To qualify for the $1,000 cash back¹, follow these simple steps:

1. Read the Terms & Conditions
   Before applying, make sure you review the full offer details to understand the eligibility requirements and deadlines.

2. Apply Online
   Apply online for a $50,000 and $250,000 Business Loan or Line of Credit by October 31, 2026.

3. Open an Eligible Account¹
   If approved, open an eligible business chequing account and have your Business Loan or Line of Credit funded by November 30, 2026. Eligible accounts include the Start Me Up Business Chequing (available to new and existing business members) or the Built for More Business Chequing (available to new business members only).

4. Receive $1,000 Cash Back¹
   If all terms and conditions are met, you will receive $1,000 cash back¹ in your eligible account¹ in January 2027.

You will need to have the following information on hand:

1. Personal information:

• • Phone number
  • Email address
  • Street Address of your personal primary residence
  • 1 piece of government-issued photo ID

2. Business information:

• • Legal business name
  • Operating name
  • Business address
  • Business phone number
  • Number of employees
  • Annual Business Revenue (Last 12 months)
  • Type of Business
  • Time in Business

Additional business information that may be required:

• • Government-issued photo ID for all owners/signing authorities
  • Articles of Incorporation & Master Business License (if applicable)
  • Most Recent Business Financial Statements
  • Corporate Share Register
  • Most Recent Tax Returns & Notice of Assessments (NOAs) showing no taxes owed (Personal & Business)

3. Instant Bank Statement Review:

To streamline the application process, you’ll need your online banking login credentials for your business account. If you have accounts at multiple institutions, please login to the one where you do the majority of your business banking.

Here’s how it works:

1. 1. You’ll select the financial institution where your business account is held and securely log in using your credentials.
   2. DUCA’s trusted partner, JUDI.AI, analyzes electronic statements directly from your bank to verify your identity, business revenue, and borrowing ability.
   3. This step is secure and allows DUCA to perform an instant review, helping to speed up the loan decision process.

Rest assured, your information is protected, and the process is designed to provide a fast, hassle-free experience.

After submitting your application, a DUCA business advisor will contact you within two business days and you may be required to submit additional documentation to complete your application.

To qualify for a DUCA Business Loan or Line of Credit through our online application, you must meet the following criteria:

• Your business must be located in Ontario and have been operating for at least 24 months.^†
• Shareholders must be at least 18 years old with a good credit history.
• Your business must provide at least 12 months of bank statements showing regular transactions each month.
• The primary applicant must have a minimum credit score of 650 with no significant concerns.
• Eligible business types include Sole Proprietorships, Corporations, and Partnerships.
• Certain industries may not be eligible.
• Additional information may be required.

† If your business has been operating for less than 24 months, contact a DUCA Business Advisor to explore your financing options.

Applying is easy! Just submit a new Business Loan or Business Line of Credit application between $50,000 and $250,000 through DUCA’s secure online portal: https://duca.judi.ai/apply-online


How to apply

Our online application, powered by JUDI.AI, has four steps. These steps should be completed by one person from the business, who will be the primary applicant:

1. Personal Information: Provide your full name, phone number, email address, street address of your primary residence and date of birth.
2. Business Information: Provide your legal business name, operating name, business address, revenue, and time in business. If your business has additional shareholders, you’ll have the opportunity to add them as co-applicants during this step.
3. Bank Statement Verification: Securely connect to your existing business bank account to verify your financial information.
4. Submit Your Application: You’ll typically receive a response within minutes and a DUCA representative will contact you within 2 business days.

If approved, you’ll need to open an eligible business chequing account¹ to receive the loan funds. We’ll guide you through this step if you don’t already have an eligible account. 

For loans under $250,000, the online application process takes about 10 minutes to complete. Once submitted, you’ll typically receive a response within 2 business days. 

Yes. Your Business Loan or Line of Credit must be between $50,000 and $250,000 to be eligible for the Small Business Cash Back offer. The approved amount will depend on our analysis of your application.

There is no fee to apply for a Business Loan or Line of Credit. If your request is approved and you accept the Business Loan or Line of Credit offer, fees will apply as follows:

* PPSA stands for Personal Property Security Act. It’s a provincial registry that financial institutions use to see whether personal property (such as equipment, vehicles, or other assets) has already been used as security for a loan and, where applicable, to register loan related information.

• PPSA Search: A PPSA search checks the registry to see if there are any existing loans or claims against personal property. We may complete a search as part of responsible lending, even if your loan isn’t secured.
• PPSA Registration: A PPSA registration is completed only when a loan includes security and records that information in the registry.

A credit check will automatically be done on the primary applicant who submits the Business Loan or Line of Credit application.

If your application is approved and you wish to accept the offer, a credit check will be done on all signing officers on the business account.

1. Loan Funds

• If you already have an eligible business chequing account:¹ Once your loan or line of credit is approved and all agreements are signed, funds can be deposited into your account as quickly as two business days.

• If you don’t have an eligible business chequing account:¹ You’ll need to open one by November 30, 2026. This process may take additional time, as it involves submitting documentation and completing account setup. Once your account is active and your loan is approved, funds can be deposited within two business days.

2. $1,000 Cash Back¹

If you meet all the eligibility criteria for the Small Business Cash Back Offer, the $1,000 cash back¹ will be deposited into your eligible business chequing account¹ at the end of January 2027.

The interest rate is calculated as: Prime Rate + Risk-Based Rate. This means your interest rate will vary depending on your specific financial profile and risk assessment.

Business Loans typically follow a 5-year repayment plan. Lines of Credit remain open as long as your account is in good standing.

Once your online loan application is approved, a DUCA Business Advisor will contact you to guide you through the process of opening an eligible business chequing account.¹ This step is required by November 30, 2026 to be eligible for the $1,000 cash back.¹

To ensure a smooth process, review the list of required documents here before you begin. Once your account is set up, we’ll deposit your loan funds so you can start using them!