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Business Loans - Greater Bank

Business Loans

A Business Loan can be a great, low cost way to finance the needs of your small business. 

Why choose one of our Business Loans?

Competitive interest rates with low fees.
You can choose fixed or variable interest, or a combination of both.
Flexibility of principal & interest or interest only repayments.
Access to redraw facility, giving you easy access to extra repayments made.
Residentially or commercially secured - great for development and construction.
Help and support from our team of Business Banking experts.

Variable Business Loan interest rates

Rates are effective as at 9am Thursday 16/07/2026 and are subject to change without prior notice.
Business Loan - Secured by Residential Property Interest Rate
Variable 8.95% p.a.
Rates are effective as at 9am Thursday 16/07/2026 and are subject to change without prior notice.
Business Loan - Secured by Commercial Property Interest Rate
Variable 9.50% p.a.

Fixed Business Loan interest rates

We also offer Fixed Business Loan Rates featuring terms from 1-5 years upon application. Complete a Business Banking enquiry today and speak to our lenders about our fixed rates.

Fees and charges 

Establishment Fee 0.25% or $600

Monthly Facility Fee

$15

 

Other Loan options available

If cash flow is a problem for your business, free up some money in the short term with one of our Business Lines of Credit.

  • Monthly facility fee means more money in your pocket.
  • Flexibility to operate dually as an everyday business transaction account.
  • Variable interest with interest charged monthly on the outstanding credit balance.
  • Easy access to your money via the app or online banking, as well as in branch.
  • You can secure your loan with a property (mortgage) or a term deposit. If you choose a term deposit, you’ll can still earn credit interest on your money while it’s being used as security.

Enjoy peace of mind and access cash with the support of Greater Bank’s Guarantee Facility.

  • Optimise negotiations without tying up your valuable capital.
  • With no minimum amount, we can help businesses large and small.
  • Term Deposits and residential property can be used as security. If you choose a term deposit, you’ll can still earn credit interest on your money while it’s being used as security.

Business loan FAQs

A business loan provides upfront funding to support longer-term business investments, such as purchasing property.

Greater Bank business loans offer competitive interest rates, lower fees, and support from dedicated Business Banking Specialists.

Terms, conditions, fees, charges and credit criteria apply.

A business line of credit can help manage your business cash flow by providing access to funds when you need them.

Greater Bank business lines of credit offer competitive interest rates, lower fees, and support from our Business Banking Specialists.

Terms, conditions, fees, charges and credit criteria apply.

Before applying, think about what you can comfortably afford and how you’ll use the loan. Consider:

  • Whether you need the funds upfront or to access them as needed
  • How much you can afford to repay
  • The value of your property or assets you can use as security
  • Any existing debts or commitments.

How much you can borrow will depend on your income, current debts, and credit history.

To get started, speak with one of our Business Banking Specialists, request a callback here.

Terms, conditions, fees, charges and credit criteria apply.

Greater Bank Business Loans allow you to borrow up to 80% for residential property security and up to 70% for commercial and light industrial properties used as security.

Terms, conditions, fees, charges and credit criteria apply.

Business banking FAQs

Terms, conditions, fees, charges and credit criteria apply.