Updated August 2026 · Verified against TD Bank Group guidelines
✓ First-Timer Friendly Not Applicable Est. 2023
Program Private Active

TD Black Entrepreneur Credit Access Program

TD Bank Group
Maximum Funding
No dollar limit published. Benefits are terms-based:...
Ongoing program (launched February 2023; no posted application deadline or in...
Visit Official Program →
Difficulty
Moderate
Payment
Not Applicable
Trend
Stable
First-Timers
Friendly ✓
Co-Funding
Varies
TD Black Entrepreneur Credit Access Program provides up to No dollar limit published. Benefits are terms-based: interest-only for select term loans up to 12 months on request, and set-up fees waived on new credit and credit-increase requests under $50,000. A TD credit-access program for businesses that are 50% or more Black-owned. Applications are accepted on an ongoing basis.
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Eligibility & Details

What this program funds and who can apply

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Program Description

A TD credit-access program for businesses that are 50% or more Black-owned. It is not a standalone loan: it applies across TD credit products (including lines of credit), offering holistic credit adjudication with a secondary specialized-committee review, interest-only payments on select term loans for up to 12 months on request, and waived set-up fees on new credit and credit-increase requests under $50,000, plus support from TD's Black Community Business Development team.

Eligibility Requirements

  • Business is 50% or more Black-owned
  • Applicant must attest to eligibility
  • Must undergo TD's holistic credit review
  • Specialized committee review may be required
Provinces
All Provinces
Industries
All
Business Stage
Startup Growth Established

Quick Assessment

Difficulty
Moderate
Competition
Moderate
First-Timer
Friendly

Funding Details

Amount
No dollar limit published. Benefits are terms-based: interest-only for select term loans up to 12 months on request, and set-up fees waived on new credit and credit-increase requests under $50,000.
Type
Program
Level
Private
Deadline
Ongoing program (launched February 2023; no posted application deadline or intake window)

Program Scorecard

Competition, effort, and approval at a glance

Competition
Moderate
Deadline
Ongoing
Approval
Varies
Accessibility
--/5
Competition
--/5
Approval Rate
--%
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What's in this Playbook

Everything you need to win TD Black Entrepreneur Credit Access Program

Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.

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How to Win

Insider tips, common pitfalls, and what successful applicants look like

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Insider Tip

Ask your dedicated Account Manager or the TD Black Customer Experience team for the current terms, and request referrals to Black Opportunity Fund or FACE for additional support.

Evaluation Criteria

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Application Playbook

Step-by-step process, required documents, and expenses

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Application Steps

1 Confirm you meet the ownership test TD states that to take part in the Program, businesses must attest to their eligibility, which includes being 50 percent or more Black-owned.

Required Documents 5

✓ Proof of Black ownership (50% or more)
✓ Eligibility attestation

Intake Periods

Deadline Notes

Ineligible Organizations

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Funding Stack Strategy

Compatible programs, clawback risk, and combined funding potential

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Stacking partner data not yet available.

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Clawback Risk

Not-applicable Risk

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How TD Black Entrepreneur Credit Access Program Compares

Side-by-side with similar programs

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Frequently Asked Questions

Quick answers to the questions founders most often ask about TD Black Entrepreneur Credit Access Program

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How much money can I get through this TD Program?
TD publishes no dollar limit, because this is not a standalone loan. The Program applies across various TD credit products, including lines of credit — the amount is whatever you qualify for on that product.
What does the Program give me that I would not get otherwise?
Holistic credit adjudication that evaluates qualitative aspects of your business, with a secondary review by a specialized credit review committee where necessary; interest-only payments on select term loans for up to 12 months on request; and set-up fees waived on new credit requests under $50,000.
How does TD check that my business qualifies for the Program?
By attestation. TD states that to take part in the Program, businesses must attest to their eligibility, which includes being 50 percent or more Black-owned.
Who do I contact at TD to take part in the Program?
TD's Black Community Business Development team. Use 'Request a call' or 'Find a Regional Manager' on TD's Black Entrepreneurs page — Regional Managers are embedded in the communities they serve and can recommend the right products and TD specialists.
Does TD connect me to anything beyond its own credit products?
Yes. TD's Black Customer Experience Team can make connections to organizations TD supports through funding, including the Black Opportunity Fund, the Federation of African Canadian Economics (FACE), and regional organizations.

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