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Business banking made personal

Experience your own dedicated business specialist with the expertise to support your business.

Top 100 ASX listed Company
Local business specialists
Products designed for business

It’s a different approach. A personal approach.

A dedicated business specialist that has local knowledge of the community in which your business operates.

A single point of contact who takes the time to understand and provide the support your business needs. 

Access to a full range of smart banking solutions to help your business thrive.

Solutions to meet your business needs

You're starting a business

Steps to help you get started

Starting a business can be a daunting experience.
We have taken some of that stress away with helpful tools and support to get you started.

1

Use the 'Helpful tools' below

2

Find the right product

3

See summary of solutions

4

Contact one of our Business Specialists

Solutions to help you start out

We have a range of specialists who can work with you to find the right solutions to get you started. Or choose from the range of finance, insurance or transaction banking solutions below to help run your business day-to-day.

Business banker and customer looking at laptop

Managing cash flow

Ensuring your day-to-day business dealings run smoothly, we offer a competitive range of transaction and savings accounts specifically designed to help you access your money and take care of business.

Business owner and staff talking at the back of a work vehicle

Need some finance

Big, small, established or new, if you need finance, we have a range of business and commercial loans to suit your unique needs.

Business banker and customer looking at laptop and paper work

Protect my assets

We offer a comprehensive range of commercial insurance solutions across business, farm and trade activities. We can provide a range of online solutions, or provide access to our team of qualified brokers.

Wealth solutions

Wealth

Super that's good for you and your employees. Bendigo SmartStart Super® is a low cost, easy to use superannuation solution designed to keep things simple for you and your employees.

Take a moment to see who we are

We believe in being open and transparent in who we are. It's more than just words to us, it's our way of life.

FAQs

You can register for an ABN through the Australian Taxation Office website. You need to register for an ABN for certain tax purposes such as GST and pay as you go (PAYG).

We provide you with a business plan template to kick start your business. Access the Bendigo Business Plan template to kick start planning for your business.

GST is a 10% tax applied to Australian goods and services. Where your business has sales over $75,000 p.a. your business must register for GST.

If your turnover is less than this amount, you can register for GST voluntarily – and there are some good reasons for doing so. Before deciding, seek professional advice and talk to your accountant and lawyer.

To register for GST – the Australian Taxation Office and business.gov.auwebsites have an overview on registering for GST

You can access some information or purchase a detailed report about your industry through the IBIS World Industry Reports. Alternatively, once you have a relationship with us, speak to one of our Business Specialists for more information.

It’s important to check if your business has the appropriate licenses or permits. Visit the Australian Business Licence and Information Services (ABLIS) for more information.

You're buying a business

Solutions to help you buy your business

Planning to buy a business? Our expert business specialists can advise you on products and services to meet your needs, whether this is a loan, insurance, or accounts to help manage your day-to-day cash flow. We can help you realise your dream.

Business banker and customer looking at laptop

Structuring your cash flow

Ensuring your day-to-day business dealings run smoothly, we offer a competitive range of transaction and savings accounts specifically designed to help you access your money and take care of business.

Business banker and customer looking at laptop and paper work

Protect my assets

We offer a comprehensive range of commercial insurance solutions across business, farm and trade activities. We can provide a range of online solutions, or provide access to our team of qualified brokers.

Business owner and staff talking at the back of a work vehicle

Need some finance

Big, small, established or new, if you need finance, we have a range of business and commercial loans to suit your unique needs.

Wealth solutions

Wealth

Super that's good for you and your employees. Bendigo SmartStart Super® is a low cost, easy to use superannuation solution designed to keep things simple for you and your employees.

Take a moment to see who we are

We believe in being open and transparent in who we are. It's more than just words to us, it's our way of life.

FAQs

The moneysmart.gov.au website has some considerations on tax.

There is a handy Buying a Business Checklist to help you understand some of the key elements to consider when buying a business including a franchise.

You can access some information or purchase a detailed report about your industry through the IBIS World Industry Reports. Alternatively, once you have a relationship with us, speak to one of our Business Specialists for more information.

There is a handy Buying a Business Checklist to help you understand some of the key elements to consider when buying a business.

If you intend to employ staff there are some important considerations. You can access the Buying a Business Checklist for more information.

You're growing a business

Solutions to help you grow your business

You've worked hard to establish your business and build a solid foundation. Let us help you grow your business with our range of business products and services to take you to the next level.

Man working at a nursery

Expansion

If you've outgrown your existing space or the term of your lease is due, we have a range of flexible lending options available to ensure your business can continue to grow.

Domestic or International

Domestic or international

With direct access to market specialists we will help you to understand your foreign exchange risks, provide you with solutions to meet your needs and support you with news and analysis.

Protect my assets

Advice & protection

Draw on our expertise to empower your business and ensure that your finances are serving your business objectives. Protect your business with our comprehensive range of commercial insurance solutions.

Wealth solutions

Other solutions

We offer a range of other financial solutions to ensure your business can run smoothly so that you can focus on growing your business and ensuring your customers are serviced.

Take a moment to see who we are

We believe in being open and transparent in who we are. It's more than just words to us, it's our way of life.

FAQs

We recommend you seek independent advice to determine if your business is positioned to expand. You can also contact one of our Business Specialiststo discuss your ongoing needs.

The moneysmart.gov.au website has some guidance on tax.

You can access some information or purchase a detailed report about your industry through the IBIS World Industry Reports. Alternatively, once you have a relationship with us, speak to one of our Business Specialists for more information.

There is a handy Growing a Business Checklist to help you understand some of the key elements to consider when growing a business including staff.

If you are running a business in Australia and you are looking to expand overseas, there is a handy Growing a Business Checklist to help you understand some of the key elements to consider when expanding overseas. You can also see the suggested solutions listed above.

Your business is impacted by COVID-19

Support when you need it most

We understand that it’s a difficult, uncertain time for many businesses. If you need some extra support from us right now, we’re here for you.

We offer a range of financial assistance for you and your business. For more information visit our Business Banking COVID-19 support page where you’ll find the support we can provide you and your business.

Alternatively, please contact your business banking relationship manager, your local branch or complete our online form and we’ll be in contact.

Need something more tailored? Talk to a business specialist

Head Office: Bendigo Centre, Bendigo Vic 3550

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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