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Roynat Capital

Listed
Bank for working capital loans and term loansToronto, OntarioServes mid-sized businesses across Canada; specific programs and underwriting vary.
View 1 loan officer at this lender ↓
BBLL 000184Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Roynat Capital provides customized long-term debt and equity capital for mid-sized Canadian businesses, including growth, acquisitions and ownership transitions. It is a wholly owned Scotiabank subsidiary; its public offering is broader than a standard small-business loan.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Working capital loansTerm loansEquipment financingBusiness lines of creditBusiness acquisition loans
General small business
From the lender's own site and public records.

A second look at Roynat Capital

Roynat Capital provides customized long-term debt and equity capital for mid-sized Canadian businesses, including growth, acquisitions and ownership transitions. It is a wholly owned Scotiabank subsidiary; its public offering is broader than a standard small-business loan.

Roynat identifies itself as both a lender and investor and a wholly owned subsidiary of Scotiabank since 1994. Roynat and Scotiabank are affiliated providers, not independent alternatives. Confirm the contracting entity for each debt or equity component.

Published by Levr, not by Roynat Capital. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Senior term debt and asset acquisition

Asset-secured debt
Financing supported by fixed assets for purchases, acquisitions, expansion, succession, refinancing or recapitalization.
Cash-flow term debt
Underwriting relies on historical business cash flows; uses include working capital and growth investment.
Asset types
Equipment, real estate and less tangible assets such as trademarks are named uses.
Published terms
Repayment is tailored. The reviewed current pages do not publish universal debt amounts, amortization periods, rates, fees or prepayment formulas.

Provider sources: Current financing structures · Asset acquisition

Subordinated and mezzanine capital

Uses
Management buyouts, mergers and acquisitions, expansion and succession where tangible security may be limited.
Security
Roynat describes debt that may lack tangible collateral security; this does not establish that guarantees or financial covenants are waived.
Borrower focus
Mid-sized Canadian companies seeking growth or ownership transition, with a custom capital structure developed through a relationship manager.

Provider sources: Debt structures · Business lending and Canadian market

Technology and innovation banking

Products
SaaS credit lines, venture debt, acquisition financing, working-capital facilities and selective recapitalizations.
Business stage
The team works with scaling technology businesses, including venture-backed companies where growth may precede profitability.
Criteria
No universal revenue, credit-score or time-in-business cutoff is published on the reviewed technology page.

Provider sources: Technology and innovation banking

Equity and affiliation

Equity distinction
Common equity and other investment structures can support growth and transition; equity investment is not a repayable business loan.
Ownership
Wholly owned Scotiabank subsidiary since 1994.

Provider sources: Company history and lender/investor role

When it may fit

Our assessment of the published programs

  • Useful for a Canadian mid-market company comparing a structured acquisition, succession or expansion financing package.
  • Cash-flow or subordinated lending may be relevant when fixed-asset collateral does not fully support the project.
  • Technology businesses should discuss the specialist team rather than assume standard bank profitability rules apply.

What to weigh carefully

  • Debt, mezzanine capital and equity can carry different repayment, security and ownership consequences.
  • No universal pricing or approval threshold is published in these current sources.
  • A case-study down payment or funding amount is not a general program commitment.
  • Scotiabank’s separate small-business programs should not automatically be attributed to Roynat.

Questions before you accept an offer

  1. Which legal entity provides each component and is it debt, equity or convertible capital?
  2. What cash-flow history, management contribution and collateral are required?
  3. What fees, covenants, guarantees and financial reporting apply?
  4. How are early repayment, refinancing and ownership changes treated?
  5. Does the proposal involve warrants, equity dilution or investor control rights?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

BDC

Compare BDC for Canadian growth or acquisition financing and its borrower requirements.

CIBC

Compare CIBC commercial financing for a separate bank proposal.

National Bank

Compare National Bank for another Canadian commercial-financing relationship.

The lender

Type
Bank
Legal name
Not yet provided Add it
Founded
1962
Charter
Not yet provided Add it
Headquarters
Toronto, Ontario
Service area
Serves mid-sized businesses across Canada; specific programs and underwriting vary.
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
roynat.com
LinkedIn
Company page

Loan officers at this lender (1)

Each loan officer here has a profile of their own.

KA
Karim AntoniousListedDirector
Loan officer. Listed from public records. Details fill in when Karim claims the profile.
Unclaimed
Toronto, ON

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