td canada trust business plan

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Create a business plan

Explore the ways tailored advice from TD can help your business, today.

Starting a Business in Canada

Starting a business can be a challenging and rewarding endeavour. With the right planning, resources, and groundwork you'll enjoy a better chance of success.

Find out if your business idea will work

Clarify your idea and get it in writing

Find the money and manage your cashflow

Think about the legal stuff

TD Business Accounts, lines of credit, and more

Write a Business Plan

Clarify your idea and get it in writing.

There's a lot of work involved in  writing a business plan  but it prepares you for the even bigger task of starting a business.

It will help refine your idea, outline goals, and make it easier to explain what you hope to accomplish. This comes in handy when you're looking for money.

Download our business plan template  which addresses product and service information, competitive analyses, the financial feasibility of starting up, and more.

Why You Need a Plan

If you're pitching your idea to banks or other financial institutions for a loan, you'll need a  business plan  because people want to see that you've put serious thought into your idea.

Thinking about the details will help you make decisions about your business, and will open you up to new ideas or approaches you might not have considered.

Writing out a business plan will give you an action plan to work with, but if you need help getting started  use our interactive checklist .

Why You Need a Unique Selling Point

One of the most important aspects to consider when writing your business plan is asking  why customers would buy your product or service .

Will it be better quality? Better price? Is it backed by a guarantee? Will it have more features? Will you be able to provide outstanding customer service?

Once you establish what differentiates you from the competition, it's essential to communicate it consistently when you go to market.

Use our interactive checklist  to define your unique selling point.

Determine Demand & Profit Potential

Once you know (or are reasonably sure) that customers are likely to buy your product or service, figure out if you'll be able to make a profit.

Determine what you need in sales to cover costs plus a profit margin. Also ensure you have capacity - the physical ability to work a certain number of hours in a week or produce the required amount of product.

Use our interactive checklist  for more ideas on determining demand and profit including ways to research, test marketing, and future trends.

Tools & Calculators

Download our business plan template.

Download our start-up costs template.

Figure out your income vs expenses.

Determine your monthly interest and payments.

Products and services to help get you started

Small business bank accounts.

Discover the benefits of a TD Small Business Bank Account to meet your business needs.

See our accounts

• Business Credit Cards

Choose the cash back, travel rewards, or low interest rate credit card that fits your business needs.

See all cards

Receiving & Making Payments

Keep your cash flow moving successfully and stay on top of things.

Articles on Starting Your Business

Four Steps to Find Out if Your New Idea Will Work

Research, validate, talk to industry insiders, and test your idea to ensure it has what it takes to succeed.

Selling Online and Other Ways to Expand Your Business

Marketplaces, subscription models, drop-shipping, and freemium offers are four ways to expand your business online.

Sources of Small Business Funding

Ways to fund your business include: self-financing, partnering with another business, angel investors, grants.

Breaking Barriers — A series on women entrepreneurs

Get inspired with our first article in a series highlighting successful women entrepreneurs who have overcome challenges to build successful businesses.

Breaking barriers — Spotlighting female entrepreneurs

Get inspired with our latest article in a series highlighting successful women entrepreneurs.

Celebrate Pride with Florence Gagnon

Her journey was so inspirational it was adapted to the silver screen, but it started with a focus on her local community.

Spotlighting Female Entrepreneurs — Gloria Kim, Gloryous Productions

A series of articles that highlight various successful women entrepreneurs who bank with TD Small Business Banking. Discover their success.

Get in touch

Contact an account manager.

Talk to an Account Manager Small Business (AMSB) to discuss your business needs.

Talk to a Small Business Specialist at our Small Business Advice Centre.

See you in a bit

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Small Business Tools

• Small business loan calculator
• Cashflow improvement calculator
• Profit increase calculator
• Start your business checklist
• Cashflow forecast template
• Business plan template
• Start up costs template
• Petite entreprise calculateur de prêt
• Calculateur d’amélioration de la trésorerie
• Calculateur d’augmentation des profits
• Liste – Démarrer votre entreprise
• Prévisions de trésorerie
• Modèle de plan d’affaires
• Calculateur des coûts de démarrage

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Cross-Border Banking Frequently Asked Questions

Get the most from your cross-border banking. have a look through our frequently asked questions., expand do i need a u.s. address to open a u.s. based td account.

You can use your Canadian address.

Expand Can I view my U.S. and Canadian based TD accounts online at the same time?

You can view both accounts on the same web page through EasyWeb Internet banking. You will also have the convenience of accessing TD Bank Online Banking directly from your TD Canada Trust EasyWeb profile without having to log in a second time. You can also view your Canadian and U.S. based TD accounts while on the move with our mobile banking app.

Expand How can I pay my U.S. bills?

You can pay your U.S. bills easily and conveniently from your U.S. based TD Bank account online with free TD Bank Online Banking and Bill Pay.

Expand Can I make a deposit to my U.S. based account while I am in Canada or to my Canadian based account while I am in the U.S.?

No matter where you are, you can perform a no-fee wire transfer over the phone between your Canadian and U.S. based TD accounts by calling the TD Cross-Border Banking Support Line

Expand Can I access my Canadian based account from a TD Bank location in the U.S.?

You can withdraw funds from your TD Canada Trust Canadian dollar account through any TD Bank ATM. Note that TD Bank staff in the U.S. are not able to access your Canadian based TD accounts and vice versa. However, we can help you set up your accounts for online viewing.

To register for this service you will need to visit a TD Canada Trust branch or TD Bank store.

For your protection, TD Canada Trust and TD Bank staff will need to verify your identity to add this service as well as confirm your full account details in order to process your request. Please be prepared to provide the following information based on your location.

Expand How long do transactions take in the U.S.?

In the U.S., transactions may take a few days before they are posted to your account:

• 1-3 days for ATM or debit transactions
• 5-7 days for bill payments processed by merchants

Expand Legal

TD Bank is TD Bank, N.A., a wholly-owned U.S. subsidiary of The Toronto-Dominion Bank. Member FDIC. Accounts issued by TD Bank, N.A. are not insured by Canada Deposit Insurance Corporation. 1 TD Bank, N.A. is located in the United States and its support line, stores, products and services are primarily serviced in English.  

Collapse Find out more about TD Cross-Border Banking

Get the convenience you’ve come to expect in canada while in the u.s..

Call 1-877-700-2913 anytime to get advice on TD Cross-Border Banking.

Visit us in person to talk about how TD Cross-Border Banking can help you.

• Find a location in the U.S.
• Find a location in Canada

TD Cross-Border Banking Resources

Take a look at more useful cross-border banking information.

• TD Cross Border Banking Benefits
• Order foreign currency

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• Small Business

• British Selected

TD Basic Business Plan

One cost-effective, flexibility way to conduct your business banking.

• Monthly fee $5.00

Transactions included per month

Deposit items included period month 1

See more fee-related information back

Here's what you get

• Anywhere banking Deposits through TD Mobile Deposit
• Comfortable deposits All debit and credit card Point-of-Sale Terminal deposits that are electronically credited to ampere TD Canada Trust general chequing account
• Free services Includes free online actions to cheque images, archived for seven years

Account Pricing

Additional related fees

Not sure whichever service plan is right by you?

Try our choose tool

Discover which Service Plan best matches your businesses needs.

You might also breathe interested into:

Business credit memory.

Elect a TD Business Credit Card with benefits and countenance that can help her grow and administrate their business.

TD Merchant Solutions

Use TD Distributor Solutions since straightforward advice and payment solutions yourself can count on to stay pace in is growing practice.

Deposit cheques from your post

TD Remote Bail Get and TD Mobile Deposit are fast, easy and convenient ways go deposit cheques 3 .

Open my account

Contact an account manager.

Talk to an Account Manager Small Business (AMSB) to speak your business demands.

Talk to a Small Business Specialist at our Small Business Tips Centre.

Bond Insurance

Your deposits may be insurable by the Canada Deposit Insurance Corporation.

See them in a bit

You are now leaving our website the entering a third-party website over which we take no control.

TD Bank Grouping is not responsible fork the content of the third-party sites hyperlinked from this sheet, nor do they guarantee oder endorse the information, recommendations, products or services offered switch third party sites. A cost-effective, flexible way to conduct your business banking · Monthly fee $5.00 · Transactions included per month. 5 · Deposit items included per month 5 ...

Third-party sites may have distinct Privacy and Security policies other TD Bank Group. You should review the Data also Security policies of any third-party website before you provide personal or confidential information.

TD Personal Banking

• Personal Home
• My Archives
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• Youth Billing
• Graduate Account
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• Aeroplan Miles
• Travel Fees
• None Annual Fee
• U.S. Dollar
• Saving and Invest
• GIC & Terminology Deposits
• Mutual Fund
• TFSA - Tax-Free Savings Your
• RSP - Reaching Savings Planning
• RIF - Retirement Income Options
• RESP - Education Savings Plan
• RDSP - Disability Savings Plan
• Precious Metals
• Journey Medical Insurance
• All Commodity
• New To Canada
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Other TD Businesses

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1  Make items are cheques (including credit images through TD Remote Deposit Capturing and TD Mobile Deposit), money orders, drafts additionally all other clearing items.

2  Cash Deposits are paper currency or coins, circular to the nearest dollar.

3  Subject to eligibility requirements, applicable fees and technology and device capabilities.

Interac  is a registered trade-mark of Interac Corp. Used under licence.