Loans and finance

Flexible finance to help meet the cash flow needs of your business.

Special offer: $0 Overdraft set up. Job done

For a limited time, save with no establishment fee.*

Pay no establishment fee when you add an overdraft to a business transaction account. Offer is available for applications received and approved between 16 June 2025 and 31 December 2025.

Limited time offer. Credit and eligibility criteria. T&Cs, fees and charges apply. Westpac Business transaction account required. Excludes Temporary Overdrafts. Maximum limit up to $1Million for new Business Overdraft and Top-up.
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I want to ...

Discover your borrowing power in 10 minutes

  • Want to borrow between $10k and $5m? 
  • Looking for a business loan, business overdraft or vehicle and equipment finance?

We can help. Just have these documents handy:

  • Latest annual financial statements or business tax return
  • 12 months' business activity statements from the ATO
  • Signed copy of your lease agreement (only required for property investments)

 

Enquire now to book in your 10 min borrowing power chat or if you just need to talk through your business needs.

 

Enquire now

Why choose our loans and finance?

Business lending experts

Lean into the support of our lending experts. They're here to help. 

Flexible features and competitive rates 

Take control with tailored rates and features to suit your business.

Backing businesses big and small

We don't just help the big guys. From startup to established, we've got you covered. 

Popular choices

Business loan

Grow your business, buy property or refinance other debt.

  • Borrow from $10k
  • Redraw available for secured loans
Explore business loan

Business overdraft

Access extra funds when your business transaction account drops below $0.

  • Only pay interest on what you use            
  • Repay anytime
Explore business overdraft

Car and equipment finance

Get the vehicle or equipment that your business needs.

  • Borrow $15k - $250k
  • Get potential tax benefits
Find out more

Support to start or develop a business

Startup your ambition

Is it time to turn your side hustle into a real business? Or branch out on your own? A business loan for startups could help get your dreams off the ground.

Business loan for startups

OR

Grow your business

You've passed the startup stage and have been trading for over a year but need a funding boost. Explore our small business loans to achieve your goals.

Small business loans

What customers have said about their borrowing experience

"We were over the moon and very appreciative of the speed with which we were able to get an approval" (Lawn Mowing business, VIC)

 

"I was extremely satisfied with how quick we were able to apply and receive our funds. It took away a lot of stress out of our expansion" (Film Producer, QLD)

 

"Applying was really easy and meant we were able to purchase the property knowing we had the funds" (Bedding retailer, VIC)

Source: Westpac business lending applicants 2023.

Keep exploring

More cash flow support

Business finance articles

Help when you need it

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Submit your details and we'll be in touch.

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Give us a call

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8:30am - 6pm, Mon - Fri (Sydney time)

Things you should know

Credit criteria, fees, charges, terms and conditions apply. Talk to your banker for more details.

 

* Business Overdraft Establishment Fee Waiver: Offer comprises waiving of the relevant establishment fee for any new Business Overdraft, or increase to an existing Business Overdraft, where the application is received and approved between 16 June 2025 and 31 December 2025. Maximum limit up to $1Million for new Business Overdraft and Top-up.

 

Any tax information described is general in nature and it is not tax advice or a guide to tax laws. We recommend you seek independent, professional tax advice applicable to your personal circumstances.