Long and short term funding solutions for your business.
Manage short term cash flow fluctuations
Choose from either the Bendigo Business Everyday or Bendigo Business Basic Account and add an overdraft to meet your day to day business cash flow needs.
Interest & fees
|Small Business Overdrafts||Interest Rate|
|100% Residentially Secured Overdraft Rate||6.49% p.a. #|
|Non-Residential Overdraft Rate||7.79% p.a. #|
|Unsecured Overdraft Rate||12.39% p.a. #|
|Overlimit Rate*||6.00% p.a.|
|Interest on deposit funds||Schedule of Interest Rates|
A loan tailored to your needs
Bendigo Bank offers tailored term loans to meet your business needs. Your choice of a fixed interest rate or a variable interest rate, with customised repayments to suit you and your business.
Repay either by principal & interest or interest only payments.
Use your residential property or other assets for security
Fixed or variable interest options
Redraw available on variable rate facilities
Online banking, and half-yearly statements
Business Solutions Term Loan
|100% Residentially Secured||Interest Rate|
|Variable||4.79% p.a. #|
|Fixed Rate||1 year||4.10% p.a.|
|Fixed Rate||2 years||4.05% p.a.|
|Fixed Rate||3 years||4.08% p.a.|
|Fixed Rate||4 years||4.11% p.a.|
|Fixed Rate||5 years||4.17% p.a.|
You can call us on 1300 236 344 to find out further information on application fees, service fees and other fees for your small business lending.
Borrow to Invest
A flexible, interest only revolving line of credit developed exclusively for business customers. It is available for investment purposes such as shares, real estate and plant and equipment.
Revolving line of credit loan type
Online banking, Cheque book, and Monthly statements available
Fixed Rate Lock Facility
Fixed Rate Lock facility
A Fixed Rate Lock allows customers seeking a guaranteed fixed interest lending rate to protect against potential interest rate increases that may occur during their settlement period.
Business customers seeking a guaranteed fixed interest lending rate to protect against potential interest rate increases that may occur during their settlement period.
Available to business customers seeking business fixed interest term lending from Bendigo Bank and selected subsidiaries including Victorian Securities Corporation Limited.
Please note that Bendigo Bank customers with Commercial Fixed Rate term loan requirements of $500,000 or more can apply for a Forward Start Option or Deferred Start Fixed Rate via a Business Banking Manager, or call 1300 236 344.
Maximum three months from date of application.
The fee is calculated on the net amont of the facility. For loans up to $500,000 (the fee is $600 + 0.15%), for loans over $500,000 (fees available upon application).
A late fee of $250 applies for Fixed Rate Lock applications made after the initial loan application.
On application for a fixed lending rate product, from nominated Bendigo Bank account or other cash payment method.
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* The Overlimit Rate applies in addition to your overdraft rate if you exceed an approved overdraft limit.
# Interest rate quoted is indicative and applicable for new lending only.
Subject to term and conditions. Fees and charges apply. All loans subject to Bendigo Bank's normal lending criteria.