You choose the combination of SMALLBiz products that best suit your business

With a SMALLBiz package we can offer you a tailored solution to meet your business needs, such as: 

    •      Long and short term finance^ 
    •      Pay your bills, loans and wages using Internet Banking 24/7 
    •      Convenient automatic payments

For details of our current SMALLBiz interest rates, download a copy of our SMALLBiz Interest Rate Schedule.

SMALLBiz Account

A flexible transaction account that offers an overdraft^ (if needed) to meet your cash flow requirements. You could enjoy fee free banking with our SMALLBiz Plus and SMALLBiz First packages* and best of all we don’t charge monthly account keeping fees.

For further details, download a copy of our Fees and Charges booklet.

Of course, if you don’t need to borrow money right now, we offer highly competitive interest rates on deposit funds held in your SMALLBiz account. 

SMALLBiz Investment Loan

We offer both competitive fixed and variable interest rate options. For details of our current interest rates, download a copy of our SMALLBiz Interest Rate Schedule.

Our fixed rate business loans offer you the security of knowing your repayments won't change in that time. Fixed interest rates are available for terms of 1 to 5 years, so you'll have the same interest rate whether the market rate rises or falls during this time. You can still make extra payments up to $25,000 per year during the fixed rate period to reduce the total of your loan balance. 

SMALLBiz Line of Credit

With no ongoing monthly fees, your business loan and working capital requirements can be combined into one, easy to manage account – put simply, a SMALLBiz Line of Credit^#.

With a SMALLBiz Line of Credit, you can: 

	•	Reduce your business loan term by years
	•	Have easy access to working capital with the convenience of a Visa Debit Card, cheque book, phone and Internet Banking
	•	Repay and redraw up to your limit without penalty
	•	Borrow as little as $10,000 at a competitive variable rate^

SMALLBiz Vehicle and Personal Loans

With a SMALLBiz vehicle loan, the interest rate is fixed for the life of the loan, and you can repay your loan at any time without penalty. The minimum loan amount is $10,000 and the maximum loan term is 10 years.

If you need a SMALLBiz personal loan, the minimum loan amount is $5,000 and the maximum loan term is 7 years.

And of course, there are no ongoing monthly fees on our SMALLBiz loans.

Merchant Facilities

Through a strategic alliance, we are able to provide your business with the ability to utilise Merchant Facilities.

These easy to use facilities enable your business to offer greater payment options to your customers by accepting credit and debit cards as payment for goods and services.  You will also enjoy added convenience of having the funds directly credited to your SMALLBiz Account.

If you would like more information about SMALLBiz, email us now, call us on 13 25 85, visit your local Personal Financial Centre or check out our FAQs.

^For approved applicants and subject to normal lending criteria.
*Depending on your business portfolio level, and the number and type of transactions you conduct each month.
^#SMALLBiz Line of Credit is secured by registered mortgage over property.
Full terms, conditions, fees and charges are available in our Product Guide and Fees and Charges booklets.  These booklets are available upon request, can be downloaded from our website, and will be provided at the time of acquiring the product.  Before acquiring the product you should consider if this product is appropriate for you.