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Are you an existing Westpac customer?

What is the purpose of your finance?

How long has your business been trading for?

How long has your business been trading for?

How long has your business been trading for?

How long has your business been trading for?

Are you willing to provide security?

Are you willing to provide security?

Are you willing to provide security?

Are you willing to provide security?

What is the equipment or vehicle age?

Will the vehicle or equipment purchase be from a dealership or private sale?

How long would you like the loan term to be?

How long would you like the loan term to be?

How long would you like the loan term to be?

Things you should know

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly. A variable rate may go up or down during the term of the loan so your repayments will vary as the rate changes. Your business will benefit from any interest rate decrease. Alternatively, if rates increase, you may need to speak to your lender about increasing your monthly repayment.

2. This example repayment is based on a $15 monthly Loan Service Fee included. The example provided is a loan secured by residential property for illustrative purposes. All other security types (e.g. commercial property or business assets) attracts a $40 Loan Service Fee, meaning the monthly repayment will be greater.

3. For customers with a Westpac Live account. Online Banking Terms and Conditions apply

Terms and conditions, additional fees and charges may apply. Government taxes such as GST may alter the amounts quoted above. Obtain your own tax or financial advice to see if a product suits your needs. Any calculation made using the Business Loan Finder is only a guide and is not an offer of finance.

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly. A variable rate may go up or down during the term of the loan so your repayments will vary as the rate changes. Your business will benefit from any interest rate decrease. Alternatively, if rates increase, you may need to speak to your lender about increasing your monthly repayment.

 

Westpac IPF Terms and Conditions (PDF 173KB)

Westpac IPF Direct Debit Request Service Agreement (PDF 401KB)

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly.

2. Only Australian or United Kingdom licensed insurers / underwriters are acceptable.

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly. A variable rate may go up or down during the term of the loan so your repayments will vary as the rate changes. Your business will benefit from any interest rate decrease. Alternatively, if rates increase, you may need to speak to your lender about increasing your monthly repayment.

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly. A variable rate may go up or down during the term of the loan so your repayments will vary as the rate changes. Your business will benefit from any interest rate decrease. Alternatively, if rates increase, you may need to speak to your lender about increasing your monthly repayment.

2. To be eligible for a Westpac Business Overdraft, you must hold an eligible Westpac Business transaction account in the same name.  Terms and conditions, fees and charges apply with respect to the eligible Business transaction account. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement before deciding. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly. A variable rate may go up or down during the term of the loan so your repayments will vary as the rate changes. Your business will benefit from any interest rate decrease. Alternatively, if rates increase, you may need to speak to your lender about increasing your monthly repayment.

2. To be eligible for a Westpac Business Overdraft, you must hold an eligible Westpac Business transaction account in the same name.  Terms and conditions, fees and charges apply with respect to the eligible Business transaction account. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement before deciding. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Altitude Business Rewards Terms and Conditions (PDF 2MB)

Altitude Business Credit Cards Conditions of Use (PDF 151KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 67KB)

Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.

Find out what information you need to provide to become a customer.

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly. A variable rate may go up or down during the term of the loan so your repayments will vary as the rate changes. Your business will benefit from any interest rate decrease. Alternatively, if rates increase, you may need to speak to your lender about increasing your monthly repayment.

2. Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month.

3. Earning and redeeming Altitude reward points: You can earn and redeem Altitude rewards points as set out in the Altitude Business Rewards Terms and Conditions (PDF 2MB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Altitude reward points do not expire while you remain an Altitude card holder. You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The terms and conditions of the relevant frequent flyer programs also apply. A joining fee may apply for these frequent flyer programs. Availability of award flights may be limited.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB) / Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.

5. The account holder (primary cardholder) is liable for all transactions on this card and their own card.

Mastercard is a registered trademark of Mastercard International Incorporated.

Altitude Business Rewards Terms and Conditions (PDF 2MB)

Altitude Business Credit Cards Conditions of Use (PDF 151KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 67KB)

Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.

Find out what information you need to provide to become a customer.

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly. A variable rate may go up or down during the term of the loan so your repayments will vary as the rate changes. Your business will benefit from any interest rate decrease. Alternatively, if rates increase, you may need to speak to your lender about increasing your monthly repayment.

2. Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month.

3. Earning and redeeming Altitude reward points: You can earn and redeem Altitude rewards points as set out in the Altitude Business Rewards Terms and Conditions (PDF 2MB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Altitude reward points do not expire while you remain an Altitude card holder. You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The terms and conditions of the relevant frequent flyer programs also apply. A joining fee may apply for these frequent flyer programs. Availability of award flights may be limited.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB) / Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.

5. The account holder (primary cardholder) is liable for all transactions on this card and their own card.

Mastercard is a registered trademark of Mastercard International Incorporated.

BusinessChoice Cards Terms and Conditions (PDF 236KB)

BusinessChoice Rewards Platinum Card Qantas Business Rewards Terms and Conditions (PDF 85KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 67KB)

Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.

Find out what information you need to provide to become a customer.

1. A margin may apply depending on the type of security provided, the purpose for which the finance is required or the term of the facility. Interest is calculated daily on the balance used, and charged monthly. A variable rate may go up or down during the term of the loan so your repayments will vary as the rate changes. Your business will benefit from any interest rate decrease. Alternatively, if rates increase, you may need to speak to your lender about increasing your monthly repayment.

2. Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month.

3. Qantas Business Rewards membership: A business must be a Qantas Business Rewards Member to earn Qantas Points for the business. A one-off joining fee usually applies (currently $89.50 including GST), however businesses that are not members of Qantas Business Rewards program at the time of application for a BusinessChoice card facility will be offered complimentary membership upon approval of a new Westpac BusinessChoice Rewards Platinum Mastercard credit card facility. Qantas Business Rewards membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions available at qantas.com/business.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB) / Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.

Mastercard is a registered trademark of Mastercard International Incorporated.

1. Valiant is an independent 3rd party service provider that may be able to help you find a funding solution with another lender in the Valiant Marketplace. Valiant is an online marketplace that has arrangements with many business lenders and uses technology to check which lenders may be able to fulfil your funding needs. Valiant is independent of Westpac Group and by referring you to Valiant please note that Westpac Group acts only as an introducer and does not guarantee or support any service or products offered by Valiant and their panel of lenders. Services or products offered by Valiant and their panel of lenders may be subject to Terms and Conditions, fees and charges.

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

Find out what information you need to provide to become a customer.