Credit and lending

Banking and borrowing

Access capital to take advantage of the opportunities available to you while maintaining the integrity of your portfolio and financial plan.

You may be looking to fund a major purchase, invest in a new business, purchase a vacation property or diversify your investment portfolio. Whatever your goals, we can provide various customized credit and lending solutions suited to your immediate and longer-term objectives.

At RBC Private Banking, our in-depth knowledge, guidance and dedicated service will help you access the additional capital you need to expand your horizons.

Personal credit and lending

We understand your needs and goals are uniquely yours. Taking these into consideration and with the guidance of a dedicated manager and credit structures, your RBC Private Banking team will find an ideal solution for you. Our customized credit and lending solutions can help you:

  • Build your wealth by acquiring additional assets or diversifying income sources
  • Preserve your wealth by borrowing money rather than liquidating assets to make purchases and by minimizing tax liability
  • Manage your risk by diversifying asset types and mitigating fluctuations in interest rates and international currencies

Credit and lending for business owners

Today or in the future, you may want to take advantage of opportunities to grow your business, diversify assets, acquire real estate, manage cash flows or fund operations.

Credit can be a foundational tool to achieving these goals. Through your Private Banking team, we can help you access flexible credit and lending solutions that can help you take your business further.

Our specialized credit tools

RBC Private Banking also provides a sophisticated suite of credit tools in a customized structure to support your current wealth management needs and long-term objectives.

  • Investment loans supported by a pledged investment portfolio with daily mark-to-market valuations
  • Credit facilities in the name of personal holding companies
  • Credit based on a complex or unusual collateral security structure
  • Trust lending
  • Flexible financing options
  • Financial statements and cash flow analysis
  • Letters of credit
  • Financing large amounts that require comprehensive monitoring or administration
  • Foreign exchange credit lines
  • Insurance policy lending
  • Equity monetization loans
  • Revolving Funds Arrangements linking credit lines to personal accounts

Personal lending products are offered by Royal Bank of Canada and are subject to its standard lending criteria. Some conditions apply.

Let’s plan for your success


Talk with an RBC Private Banker about credit and lending solutions that can help you make the most of your opportunities.

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