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Commercial Loan

What is commercial loan ?

Commercial loans, also known as business loans, can be used to finance the purchase of a commercial property, the purchase of new equipment, the expansion of working capital, or the financing of other business activities.

If you need a commercial property loan or a business loan, we have a variety of secured and unsecured loans for all types of businesses, from small start-ups to large established corporations.

Determine whether a commercial loan is appropriate for you

  • Purchasing new commercial property in order to expand your operations.

  • Renovating your current workplace to improve efficiency, safety, or to make more space.

  • Purchasing new equipment or upgrading existing equipment.

  • Obtaining additional funds so that you can pay bills and invoices or make payroll.

Explore our commercial loan options

Business Options Loan

A simple medium to long-term loan that is ideal for expanding your business. The loan can be secured or unsecured, with repayment and loan term options that are flexible.

What is a Business Options Loan?

  • A straightforward and adaptable business loan that can assist you in purchasing an existing business, funding expansion, or investing to grow.

  • Suitable for sole proprietorships, partnerships, trusts, and registered companies.

  • Ideal for businesses looking to borrow a specific amount and repay it over a set period of up to 30 years.

  • There are both secured and unsecured business loan options available.

Benefits of a business loan

Flexible loans and repayments

Redraw when you need to

For your repayments, you can choose between principal and interest, interest only, or a combination of the two. Give your company options for variable and fixed interest rates, as well as monthly, quarterly, half-yearly, or annual repayments.

If you choose a variable interest rate loan, you can make extra payments whenever you want and redraw them whenever you want.

Loan term and security options

Choose the loan term that best fits your company's needs and cash flow. Secured loans have longer terms available. As security, businesses typically provide residential or commercial real estate.

Business Overdraft

Manage your company's cash flow and unexpected expenses with an overdraft linked to your NAB business transaction account, and you can access your funds at any time.

Benefits of a Business Overdraft

Flexibility

There is no set repayment schedule within your approved limit, and funds are available at any time.

Easy access

Convenience

A revolving credit line (subject to annual review).

Access to cash via our ATM network using your linked NAB Business Visa Debit card and the ability to link a variety of NAB accounts to your overdraft.

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