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Small Business Loans

Long and short term funding solutions for your business.

Overdraft

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.

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Assist in the management of short term business cash flow fluctuations.
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Up to $750,000 borrowing

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At-call access and monthly statements
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Access via online banking, in branch or Debit card
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Interest & fees

 

Small Business Overdrafts Interest Rate
100% Residentially Secured Overdraft Rate 6.69% p.a. #
Non-Residential Overdraft Rate 7.99% p.a. #
Unsecured Overdraft Rate 12.59% p.a. #
Overlimit Rate* 6.00% p.a.
Interest on deposit funds Schedule of Interest Rates

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.

Term Loan

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.

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Repay either by principal & interest or interest only payments.
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Use your residential property or other assets for security
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Fixed or variable interest options
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Redraw available on variable rate facilities
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Online banking, and half-yearly statements

Interest Rates

 


Business Solutions Term Loan 
100% Residentially Secured Interest Rate  
Variable 4.99% p.a. #
Fixed Rate 1 year 4.99% p.a.
Fixed Rate 2 years 4.94% p.a.
Fixed Rate 3 years 4.94% p.a.
Fixed Rate 4 years 5.19% p.a.
Fixed Rate 5 years 5.29% 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.

Investment Facility

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.

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Revolving line of credit loan type
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Online banking, Cheque book, and Monthly statements available

Interest Rates

Business Investment Facility Interest Rate  
100% Residentially Secured  7.09% p.a. #
Non-Residential Secured 8.09% 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.

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.

Ideal Market

Business customers seeking a guaranteed fixed interest lending rate to protect against potential interest rate increases that may occur during their settlement period. 

Eligibility

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 BENDIGO (1300 236 344).

Duration

Maximum three months from date of application.

Fee

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. 

Fee debited

On application for a fixed lending rate product, from nominated Bendigo Bank account or other cash payment method.

 

Not sure which product is for you?

Try our product selector.

Can we help you?

Online

Send us an online enquiry for all your questions

Phone

Call us today 7am to 11pm (AEST)

1300 236 344

At a branch

Find your nearest Bendigo Bank branch

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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.

Need something more tailored? Talk to a business specialist

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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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