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Control cash flow with a flexible line of credit.

Match your needs - Westpac Business One Loan provides a line of credit for seasonal funding needs, capital investments or business expansion.

Flexible repayment options - interest only, or principal + interest.

  • A variable base interest rate (margins apply)
  • Borrow from $250,000

Multiple ways to access funds including Online, Mobile, Tablet and Telephone Banking (when you’re registered for these services), plus ATMs (using a Business Debit Mastercard® linked to your Business One Loan account) and in branches. Optional cheque book access.

Supported by specialist relationship managers, locally based in metropolitan and regional centres throughout Australia.


Convenience and acceptance

Link a Business Debit Mastercard® to your Westpac Business One Loan for convenient access to funds at more than 3,000 Westpac, St.George, Bank SA and Bank of Melbourne ATMs, and wherever Mastercard is accepted throughout Australia and overseas.

Keeping the bookkeeper happy

  • Save time and money by exporting transactions to your accounting software
  • Opt for eStatements instead of paper and access up to 7 years of transactions.

Applying for a Westpac Business One Loan line of credit

Your Westpac Business One Loan line of credit is set up on your Westpac Business One Transaction account. You can apply to set up the account and your line of credit at the same time.


Customer is:
  • a business entity domiciled in Australia; or
  • an individual 18 years and above or strata corporation domiciled in Australia and requires the funding for business or investment purposes other than investment in residential property​.


Lending establishment, service and other fees apply.

Please send us your details and a specialist relationship manager will be in touch to discuss.


The Westpac Business One Loan variable base rate and any applicable interest rate margins are available on application.

Please send us your details and a relationship manager will be in touch to discuss your business lending needs.

Things you should know

Credit criteria, fees, charges, terms and conditions apply. Talk to your banker for product details or click on the "Enquire now" button.