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Market Rate Loan

The smart way to grow your business.

What is a Market Rate Loan?

A Market Rate Loan gives you transparency of your rate, with risk management options adding peace of mind.

  • Low minimum loan amount

  • Manage your risk

  • Specialist support

  • Flexible terms

How can it help me?

A Market Rate Loan helps your business grow, whether through acquisition, construction, investments and other options.

With super-flexible terms, interest rate risk management options, and a dedicated business specialist to guide you, you can borrow with confidence.


  • Borrow as little as $200,000
  • Rate based on the Bank Bill Swap Bid rate (BBSY)
  • Interest rate risk management options
  • Variable and fixed rate options
  • Principal & interest or interest only
  • Flexible repayment options
  • Online redraw available

Rates and fees

Rates vary based on the Bank Bill Swap Bid rate (BBSY).

A lending margin and fees may apply.

You can call us on 1300 236 344 to find out further information on application fees, service fees and other fees for your business lending.

Can we help you?


Have a business lending need?

At a branch

Use our branch locator to search for a branch near you.

Things you should know

Different rates will apply depending on the size of your loan, if on a variable or fixed rate term, the security being offered and full credit assessment of your application. A lending margin may apply. Rates may be changed at any time.

Subject to terms and conditions. Fees and charges apply. Full details available on application. All credit subject to Bendigo Bank's normal lending criteria. 

Target Market Determinations for products are available.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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