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Business loans
We offer a range of flexible business loans to help you grow your business, upgrade equipment and manage cash flow. Review and compare our range of business loans and finance options.
Small business loan
A term loan to purchase, start or grow your business.
- Borrow from $20k
- Fixed or variable rates with flexible repayment options
- Loan to value ratios of up to 100% depending on security offered*.
Vehicle and equipment finance
Finance for all your business equipment and vehicle needs using the asset as security.
- New vehicle or specialised equipment
- Tailored repayments
- Potential tax benefits1.
Unsecured commercial overdraft
A term loan to purchase, start or grow your business.
- Access up to $50K additional funds in your business transaction account
- No fixed term, pay what you can, when you can - as long as the overdraft stays under the limit
- No security required for the overdraft.
For existing eligible St.George customers.
- Seeking less than $1m
- Solving cash flow shortages
- Financing growth and expansion.
A business line of credit giving you flexibility to take advantage of business opportunities. Includes online access to monitor or make payments and export transactions to your accounting software.
- Helps to cover business expenses during cash flow shortfalls
- Borrow money up to an agreed limit and access funds as your needs change
- Use your residential property as security to get a competitive interest rate.
- Seeking more than $1m
- Financial support during cash flow shortfalls
- Money available to an agreed limit
Provides cash flow relief to cover business expenses until you get paid. Includes online access to monitor or make payments and export transactions to your accounting software.
- Use it to smooth out ‘dips’ in your cash flow e.g. invoices and wages
- Reduces the impact of timing differences between incoming and outgoing money up to an agreed limit and access funds as your needs change
- Use your residential property as security to get a competitive interest rate.
Important information
Read about changes affecting some business, equipment and automotive finance contracts entered into, renewed or varied since 12 November 2016.
More for your business
Important information
Eligibility criteria applies. Credit criteria, fees, charges, terms and conditions apply and are available on request. Please speak to your business finance specialist to find out more.
Credit criteria, terms and conditions, fees and charges apply.
* Loan amount of up to $3m per customer, with a maximum of $3m in exposure across customer group facilities. Businesses must be operating and profitable for at least two years. Loans only available for purchase of owner – occupied non-specialised commercial property or business expansion. You should consider the increased risks associated with high loan to value ratio borrowing.
1. The taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and their interpretation. Customers must seek their own independent tax advice in relation to their individual circumstances.