AN ENTIRE TEAM OF EXPERTS BEHIND YOU AND YOUR BUSINESS
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- Ruby Atkinson
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1 AN ENTIRE TEAM OF EXPERTS BEHIND YOU AND YOUR BUSINESS OUR MISSION The mission of Desjardins Business Centre Eastern Ontario is to promote the growth of businesses located in the region of participating caisses. Our complete range of integrated financing solutions and complementary products cover all the needs of a modern business. Profitability and the sound credit risk management of the caisses is our top priority.
2 PUTTING DESJARDINS TO WORK FOR YOUR BUSINESS The Desjardins Business Centre Eastern Ontario is a valuable resource for business expertise. Our skilled staff and cooperation with caisses and Desjardins Group partners enables us to provide a comprehensive service offer. The Desjardins Business Centre Eastern Ontario is: A trustworthy partner for business growth in the region More than $500 million in financing and savings assets A membership of over 2,000 businesses A team of 10 expert Account Managers Five participating caisses: Caisse populaire d Alfred Caisse populaire de Cornwall Caisse populaire de Hawkesbury Caisse populaire de la Vallée Caisse populaire Nouvel-Horizon Nous faisons partie de la grande famille de Desjardins, 1 er groupe DESJARDINS: CANADA S LEADING financier coopératif au Canada COOPERATIVE FINANCIAL GROUP Numbers that speak for themselves 1 Best financial results in more than 110 years of history Surplus earnings of $1.582 million Total assets of $190.1 billion $81.2 million in donations and sponsorships $320 million paid back as member dividends 322 scholarships totalling more than $800,000 distributed by Fondation Desjardins Nearly 50,000 people serving millions of others 1 Over 44,600 employees across Canada Over 5,300 elected officers 5.6 million individual members and clients 422 caisses in Quebec and Ontario and 888 service outlets 43 business centres serving 400,000 businesses 2,559 ATMs Roughly two dozen affiliated companies, several of which are nationwide A cutting-edge virtual network Nous faisons partie de la grande famille de Desjardins, 1 er groupe The sixteenth safest financial institution in the world and the third in North America financier according to coopératif Global Finance s au 2012 CANADA mid-year rankings. 1 Information as at December 31 st, 2011.
3 A WINNING PARTNERSHIP Choose the Desjardins Business Centre Eastern Ontario and establish a winning partnership across the board, whether it s in the real estate, commercial or industrial sectors. Read on to discover project-financing examples that our specialists can help you develop. COMMERCIAL REAL ESTATE Our credit requirements (term, amortization period, repayment terms and rates) are adapted to your business needs for capital projects such as land purchases, factory expansions or other large scale developments.
4 RESIDENTIAL REAL ESTATE Our favourable terms let you get the most out of your real estate portfolio when purchasing a home or refinancing a residential rental property. RESIDENTIAL LAND DEVELOPMENT Take advantage of our terms and maximize your development projects and land purchases. Options such as the ability to spread out your loan according to the progress of your project give you the flexibility to complete it in phases.
5 COMMERCIAL EQUIPMENT AND ROLLING STOCK Whether you are expanding or just getting off the ground, we provide equipment financing and rolling stock so you can purchase the goods and equipment you need to grow your business or improve its financial structure.
6 SHORT-TERM FINANCING Take advantage of supplier discounts or protect yourself against the risk of cash shortages. An operating loan or a line of credit is a great solution for financing your business s day-to-day operations (merchandise, credit, salaries, etc.). The Business Freedom Solutions Line of Credit is also available for self-employed business professionals. BUSINESS OWNERSHIP TRANSFER Transferring ownership of a business is a challenging process that can take anywhere from two to five years, and sometimes longer. It s crucial to have a structured approach with clear and realistic deadlines so you don t lose sight of your goals. Whether you re transferring a business or taking one over, Desjardins has a process in place to guide you and make your project a success.
7 WE OFFER A COMPLETE RANGE OF PRODUCTS AND SERVICES: FINANCING Credit cards - Business card - BFS - Corporate Card - Purchasing card Short term - Desjardins acceptances - Bridge financing - Letters of guarantee - Line of credit - Factoring Long-Term - Specialized financing - Real estate - Options - Loans INVESTMENTS FOR BUSINESS OWNERS COVERAGE NEEDS Credit - Loan insurance - Line of credit Insurance - Credit balance insurance - Business - Variable credit insurance Life, health and travel for business people - Insurance solutions - Life insurance - Disability insurance - Critical illness insurance - Health insurance - Group insurance - Property and casualty insurance CASH MANAGEMENT AccèsD Affaires AccèsD Affaires - Telephone Business access card Cheque reconciliation and consignment Direct deposit and withdrawal LC Express Group RRSP Lock box cash service Account collection services Payroll services INTERNATIONAL SERVICES Desjardins Bank Currencies Import-Export Payment instruments - Instant credit - Money order and draft - Foreign currencies - Fund transfers
8 SUSTAINABLE PROSPERITY SINCE 1900 FOR OVER 110 YEARS, WE VE BELIEVED THAT COOPERATION CREATES SUSTAINABLE PROSPERITY. 1st among the Best 50 Corporate Citizens in Canada One of Canada s Top 100 Employers One of Canada s Top Family-Friendly Employers One of the Ten Best Companies to Work For Ranked 16th among the World s Safest Banks in the half-yearly update by Global Finance 3rd safest financial institution in North America Business hours Monday to Friday 8:30 a.m. to 4:30 p.m. Desjardins Business --- Eastern Ontario 641 Main Street Casselman ON K0A 1M0 Phone: or Fax: Heures d ouverture Du lundi au vendredi 8 h 30 à 16 h 30 desjardins.com/business Cornwall Branch 201 Montreal Road Cornwall ON K6H 1B5 Phone: or Fax: Hawkesbury Branch 480 Main Street East Hawkesbury ON K6A 2R8 Phone: Fax:
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