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Business Lending

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A range of business loans and overdraft solutions to help manage your cash flow and help achieve your business growth aspirations.

Business Loans
Business Overdrafts
Equipment finance

5.20% pa¹
Variable Rate

Our business loans allow you to purchase or refinance for business purposes using your residential property or other assets for security.

Principal and Interest or Interest Only options
option of fixed or variable rate
redraw facility

Business Loan Features:

Business loan
Best Interest Rate
Variable interest rate	5.20% pa¹
Fees
Establishment fee	$800
Annual fee	$0
Monthly fee	$15
Fixed discharge fee	$0
Early break fee	$0
Features
Minimum amount	$5000
Maximum Amount
Maximum term (years)	15
Redraw facility	Yes
Loan repayment insurance	No
Additional repayments accepted	Yes
Additional repayments fee	$0
Periodic payments	Yes
ATM/EFTPOS access	No
Branch access	Yes
Rate Lock	No

6.90% pa¹
Interest Rate

Attached to your Business Account, our overdraft solutions help manage your day-to-day cash flow and investment needs.

to assist in the management of short-term business cash flow fluctuations
interest calculated on the amount drawn down - not your available credit limit
continuing credit facility
draw up to the maximum credit limit at any time
an investment facility option to purchase shares, real estate, plant and equipment

Business Overdraft Features:

Business overdraft
Best Interest Rate
Variable interest rate	6.90% pa¹
Fees
Establishment fee	$800
Annual fee	$0
Monthly fee	$15
Fixed discharge fee	$0
Features
Minimum amount	$5000
Redraw facility	No
Loan repayment insurance	No
Additional repayments accepted	Yes
Additional repayments fee	$0
Periodic payments	Yes
ATM/EFTPOS access	Yes
Branch access	Yes
Rate Lock	No
BPAY®	Yes

Apply Now Make an Appointment

If you’re looking to buy new vehicles, equipment or technology for your small business, our equipment finance solutions can help you preserve your capital and manage your cash flow.

Choose from the expand options below to find out more about each of these finance solutions.

Equipment Loan

You own the asset and purchase it with a loan, using the equipment as security.

Usually no deposit is required.
As you own the asset, you may be entitled to claim GST input tax credits, depreciation and interest expenses.
Flexible and tailored repayment structures depending on your cash flow needs.
A balloon payment can be included at the end of the term.

Finance Lease

We purchase and own the asset and lease it to you for an agreed period. You may make an offer to purchase the asset at the end of the term.

100% finance of the purchase price.
We own the asset and normally the entire rental payment is tax deductable for you.
Flexible and tailored repayment structures depending on your cash flow needs.
A mandatory residual at the end of the term means you will benefit from lower rental instalments.

Asset purchase

We purchase and own the asset, and you buy it from us in instalments over an agreed period. Upon final payment ownership of the asset transfers to you.

Usually no deposit is required.
We own the asset however you may be entitled to claim GST input tax credits, depreciation and interest expenses.
Flexible and tailored repayment structures depending on your cash flow needs.
A balloon payment can be included at the end of the term.

Novated Lease

Works like a finance lease and is designed specifically for employee motor vehicles that form part of a salary package arrangement.

100% finance of the purchase price.
We own the vehicle and at the end of the term you may make an offer to purchase.
Repayments made by your employer out of your pre-tax salary.
A mandatory residual at the end of the term means you will have lower rental installments.

As the taxation and accounting treatments of various finance products may vary, we recommend you seek independent expert advice before choosing an option.

Business account

A transaction account to help businesses manage cash flow and provide ease of access to funds.

Find out more

Payment and merchant services

A range of point-of-sale solutions to give your customers more ways to pay.

Find out more

View all accounts

Find out about other account options available.

Find out more

Phone us on 1300 361 761 and ask to speak to a small business banking specialist to find out more or to get a quote today for your small business finance needs.

Related information:

Things you should know:

Terms and conditions apply and fees and charges are payable. Lending criteria apply. Full details available on application. Some loan services require a separate application and are subject to assessment.

¹ Rates quoted with residential security and where the loan to value ratio is less than 80%.

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Business Lending

Business Lending

Business account

Payment and merchant services

View all accounts

What are you looking for?

Apply

Calculators

Rates & Fees

Business Lending

Business Lending

Business account

Payment and merchant services

View all accounts

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