When you want to expand your business, take up new opportunities, refinance or manage your cash flow, our business loan options can make it happen. Using your residential property, commercial premises or both as security, you can take advantage of a range of business loans and overdrafts to meet different business and investment goals. Get the freedom to take your business in the direction you want to go.
| A single package for business, personal and investment |
With the Business Owners' Loan Package you can tailor a single business solution for all your business, personal and investment needs. This package includes your choice of a Business Maximiser Loan, a $0 annual fee Visa Business Card for 12 months, discounted EFTPOS facilities, discounted Home and Contents Insurance cover for the first 12 months and complimentary online legal and taxation advice.
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| A line of credit to cater for all your investment needs |
- The Business Maximiser allows you to do your day-to-day transactions as well as borrow money for your business requirements from the same account. By using your residential property or cash as security, you will receive a competitive interest rate.
- The Commercial Line of Credit allows you to borrow money by using commercial property or combining this with residential property as security. This line of credit allows your balances to fluctuate within an approved limit, so you don't need to reapply for a new loan each time you want to take advantage of a new opportunity.
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| An overdraft to assist with day to day cash flow |
The Commercial Overdraft is an everyday transaction account with an approved credit limit that is designed to assist you with meeting your daily cash flow or short-term capital requirements for your business. Using your residential property, commercial premises or both as security, this overdraft allows for fully fluctuating balances within the approved limit. With the peace of mind of your overdraft, you are not solely dependent on your creditors' payments
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| Less paperwork and a simplified application process for those unable to document regular income |
- The Low Doc Loan may be the answer if you are self-employed or your income fluctuates and you find it difficult to provide the usual documents to apply for a loan. It's easy to apply for and you can use it like a home loan or a line of credit for your business, investment and personal purposes.
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| Get flexibility with a full range of features |
- The Business/Commercial Loan Variable can be secured against residential property, commercial premises or both. These loans are specific purpose loans that are used to assist with capital expenditure. Both loans are designed to give you flexibility to make extra repayments and allow you to take advantage of any fall in the variable interest rate.
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| Budget for the future with confidence with a fixed rate loan |
- The Business/Commercial Loan Fixed can be secured against residential property, commercial premises or both. These loans are specific purpose loans that are used to assist with capital expenditure and also give you the security of always knowing what your payments will be. Your budget planning is made easier because you can forecast your cash flow without the added risk of interest rate fluctuations.
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*All applications for credit are subject to BankSA normal approval criteria.
