Loans and finance
Flexible finance to help meet the cash flow needs of your business.
Special offer: $0 establishment fee with a Business Overdraft*
*New limit or Top-up of up to $1m.
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.
Help for your business when you need it most
Rising fuel costs, supply pressures and global uncertainty are putting real strain on cash flow and confidence. If you’re feeling the impact, our new Rapid Response team are here to help.
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 Product Finder
Whether you're just starting out or planning your next move, we’re here to help your business explore your financial options.
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.
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.
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
Things you should know
Credit criteria, fees, charges, terms and conditions apply. Talk to your banker for more details.
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.
*Terms and Conditions for the $0 Establishment Fee Waiver Offer on Business Overdrafts
- We will waive the establishment fee for eligible new Business Overdrafts of up to $1 million, or for a limit increase of up to $1 million on an existing Business Overdraft.
Eligibility and timing
- Applications must be received and approved between 07 April 2026 and 30 September 2026 and settled within 90 days of approval.
- For Business Overdrafts, you must also have an eligible Westpac Business Transaction Account.
Exclusions
- The offer is not available for any other applications, including those submitted through third parties or brokers.
- Temporary Overdrafts are not included.
- We may withhold the offer where an application is reasonably determined by us to be fraudulent or materially misleading.
Approval
- All applications are subject to approval. Standard terms, conditions, fees, charges, and credit criteria apply.
How the fee waiver works
- We will waive the establishment fee or refund it within 60 days of settlement.
- If you believe an establishment fee has been charged in error, please contact us.
- Establishment fees may still apply to other products you request as part of your application.
- This offer cannot be used in conjunction with any other offer. We may vary or withdraw this offer at any time.