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What can a business loan for startups be used for? 

Buying more equipment

From computers and stationery to larger industry-specific equipment. Get the equipment you need. 

Setting up your workspace

Whether you’re setting up a home office or leasing a retail space, we’re here to help get you up and running.

Marketing your business

Attract more customers with social media marketing and build a website to grow your sales.

Investing in tech

Get set up with quality software systems so you can save time and run your business efficiently. 

Business loan for startups  

Borrow between $10k and $50k  

No asset security needed1 

Monthly fee $02 

Loan terms of up to 5 years  

Flexible repayment options 

Check you’re eligible

You’ll need 

  • To own a business that has operated for less than 2 years 
  • To submit a business plan as part of the application 


  • 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. 

Build your business plan

Use our guide to write your plan and remember to include:

  • What your business does 
  • Your target market 
  • Forecasted profit and loss or projected cashflow 


  • Your market competitors 
  • Long-term business outlook 
  • Any relevant industry experience and skills 

How to apply

1. Select your loan amount and define its purpose 

Decide how much you need and exactly what you will use the funds for 

2. Prepare your business plan

Ensure you are eligible. Gather all your relevant documentation and then create your business plan

3. Speak to a banker 

Once you are ready speak to one of our bankers. They will guide you through the application process. 


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

Frequently asked questions 

New or existing customers can apply for the business loan for startups.

The ultimate guide to finance a startup

It’s time to turn your business idea and dreams into reality. But where do you start when it comes to finding finance? Discover how you could approach this tricky topic.

Read more

Tips and success stories to help your business

10 tips for when you start your business

Taking the leap of faith to start your own business is a big decision and there are many things to consider. Explore our 10 tips to help get your new venture off to a good start.

How to write a business plan

You've got a great idea and you're keen to get started. But for the best chance of success it's important to put together a detailed business plan that describes and establishes key aspects of your new enterprise. 

Things you should know

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

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

1. Guarantees may be required. 

2. Other fees and charges may apply.