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Why get a small business loan?

Invest in a business

Hit the ground running by buying an existing business or franchise or renovating your current space.

Buy new equipment  

From office supplies to bigger machinery, we've got you covered.

Build your brand 

From social media to promotional flyers, launching your brand into the market can be a costly endeavour.  

Build tech infrastructure 

From keeping track of stock to having a customer database. A loan could help you get the tech you need. 

Boost your finances 

You’ve passed the startup stage and have been trading for over a year, but need a funding boost. If you have an asset to use as security, consider our secured business loan. Or explore our unsecured business overdraft, extra cash without the need for security.  

Secured business loan

Help take the next step in your business plan with medium to long term finance options.

  • Borrow from $20k
  • Variable or fixed interest rates
  • Up to 100% LVR #

Unsecured business overdraft

Support your cash flow with access to extra funds through your transaction account. 


  • Borrow between $5K - $250K
  • Flexible payment options
  • Available only to existing customers

Loan and overdraft eligibility 

You’ll need… 

  • Minimum 1 year experience in the same or similar business
  • All statutory payments up to date
  • Clear credit report, including credit history of directors
  • A good financial history with no frequent overdue payments
  • Business and Individual Financial statements and Tax return and
  • Proof of individual income

The must-haves…

  • be a business entity or an individual 18 years and above, domiciled in Australia; and
  • require the funding for business or investment purposes other than investment in residential property; and
  • meet the credit criteria and credit policy requirements under an applicable offer for this product. 

For unsecured overdraft there’s a fast and simple online application if you already bank with us.

Other finance options for small businesses

Business loan for startups

A business loan for startups could help get your dreams off the ground.

Car and equipment finance

Flexible finance to help you get the car or equipment you’ve got your eye on.

Bank guarantee

Great for providing your suppliers and vendors with certainty of payment.

Backing more businesses

It's time to level the playing field. Women now represent 36% of small business owners^. We have made a $500 million commitment to back women to start-up and scale-up their business.

Speak to one of our bankers

Is it hard to get approved for a small business loan?

While getting approved for a business loan can be a little more complex than a personal or home loan, it might not be as hard as you think. There are several factors that affect your business loan approval. Keeping these factors in mind might help put you in a better position to get approved.


Your business trading history and experience help give lenders confidence in the sustainability of your business performance. 

Understand the differences

Get started with the basics

Take a look at our simple guide to business loans and finance, you’ll learn about: 


  • Different types of business financing to align your business needs  
  • Commonly used security for business loans such as residential and commercial property  
  • When you may be asked to be a guarantor  
  • What lenders may look for when considering a loan application 

Explore all finance options

There are times when other options such as credit cards or overdrafts might suit your business needs better. Key considerations may be: 


  • Whether you need to borrow a one-off lump sum 
  • Reoccurring expenses that put strain on your cashflow seasonally 
  • How much you need to borrow and how long to repay 
  • Fees and interest rates


Knowing the difference between a business loan, credit card and overdraft can be vital to growing your business with the most cost effective options.

Things you should know

^ According to the Organisation for Economic Co-operation and Development (OECD), women represent around 36 per cent of Australian small businesses owners. 

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice. 

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

# LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.