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Business loans

Business Loans

 

We offer a range of flexible business loans to help you grow your business, upgrade equipment and manage cash flow. Review and compare our range of business loans and finance options.

 


Use our handy loan finder tool

In less than a minute, get help finding a suitable loan option for your business needs with our handy Business Loan Finder tool.

Simple to use tool covers credit card, finance and loan options

Optional ‘book a callback’ feature to discuss loan options.

SME Business Loans

If your annual turnover is less than $50 million, you may be eligible to apply for a loan of up to $1 million under Phase 2 of the Government’s Coronavirus SME Guarantee Scheme.

  • Available to both new and existing St.George customers
  • Multiple secured loan^ options available
  • Terms of 3 or 5 years
  • No establishment fees or monthly account keeping fees*.

Vehicle and equipment finance

Special Offer: We’ve waived the establishment fee (usually from $450) for business customers on new Vehicle and Equipment Finance applications, settled by 31 December 2020#.

Finance for all your business equipment and vehicle needs using the asset as security.

  • New vehicle or specialised equipment
  • Tailored repayments
  • Potential tax benefits1.

Small business loan

A term loan to purchase, start or grow your business.

  • Borrow from $20,000
  • Fixed or variable rate options
  • Flexible repayment structures.

Unsecured commercial overdraft

A term loan to purchase, start or grow your business.

  • Access up to $50K additional funds in your business transaction account
  • No fixed term, pay what you can, when you can - as long as the overdraft stays under the limit
  • No security required for the overdraft.

Business Maximiser

  • Seeking less than $1m
  • Solving cash flow shortages
  • Financing growth and expansion.

A business line of credit giving you flexibility to take advantage of business opportunities. Includes online access to monitor or make payments and export transactions to your accounting software.

  • Helps to cover business expenses during cash flow shortfalls
  • Borrow money up to an agreed limit and access funds as your needs change
  • Use your residential property as security to get a competitive interest rate.

Commercial overdraft

  • Seeking more than $1m
  • Financial support during cash flow shortfalls
  • Money available to an agreed limit

Provides cash flow relief to cover business expenses until you get paid. Includes online access to monitor or make payments and export transactions to your accounting software.

  • Use it to smooth out ‘dips’ in your cash flow e.g. invoices and wages
  • Reduces the impact of timing differences between incoming and outgoing money up to an agreed limit and access funds as your needs change
  • Use your residential property as security to get a competitive interest rate.

Important information

Read about changes affecting some business, equipment and automotive finance contracts entered into, renewed or varied since 12 November 2016.

Find out more

 


More for your business

 

Important information

Eligibility criteria applies. Credit criteria, fees, charges, terms and conditions apply and are available on request. Please speak to your business finance specialist to find out more.

# Establishment fee waived: Information is correct as at 4 November 2020. This offer waives the relevant establishment fee (usually from $450) on St.George Vehicle and Equipment Finance applications (excluding novated lease). This offer is only available to Business customers for business purposes and only for new applications (excludes roll-overs and refinances) for vehicles and equipment finance which are settled before 31 December 2020. Other fees and charges apply. This offer cannot be used in conjunction with any other offer and may be varied or withdrawn at any time.

^ Security supporting these loans excludes residential property or commercial/rural property that may be used for residential purposes.

* Other fees and charges may apply.

1. The taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and their interpretation. Customers must seek their own independent tax advice in relation to their individual circumstances.