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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.


 

5.20% pa1
Variable Rate

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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 rate5.20% 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 facilityYes 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 
Periodic paymentsYes 
ATM/EFTPOS accessNo 
Branch accessYes 
Rate LockNo 

 

6.90% pa1
Interest Rate

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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 rate6.90% pa1
Fees
Establishment fee$800 
Annual fee$0 
Monthly fee$15 
Fixed discharge fee$0 
Features
Minimum amount$5000 
Redraw facilityNo 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 
Periodic paymentsYes 
ATM/EFTPOS accessYes 
Branch accessYes 
Rate LockNo 
BPAY®Yes 

 

 

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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%.