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Fixed term loan

A business loan that allows you to make scheduled repayments, making it an ideal financing solution for business growth and development.   

Loan term

Up to 5 years1.  

Flexible repayment options

Choose from interest only2 or fixed principal and interest.

Diverse range of security options

Including goodwill, real property, debtors, rent rolls, strata rolls, work in progress or a combination of these.

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Line of credit

A line of credit lets you draw against a set amount of funds when you need it, making it an ideal form of short to medium term working capital.   

Loan term

Up to 5 years.

Applicable interest

Interest is only charged on what you draw down.3

Diverse range of security options

Including real property, goodwill, debtors, rent rolls, strata rolls, work in progress or a combination of these.

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Business overdraft 

An overdraft lets you access a set amount of funds beyond the balance in your debit account, which can help you manage your short-term cashflow fluctuations.4

Pre-approved limits 

Withdraw funds up to an approved overdraft limit ($50,000 minimum).

Applicable interest

Interest is only charged on the amount that you draw down from your pre-approved limit.3

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Property-backed loans 

Borrow against the value of your residential or commercial property with property-backed loans that cater for both simple and complex borrowing structures.

For business growth 

Fund the purchase of a commercial property, investment property or expand your business with a property secured loan. 

Flexible repayment options

Choose from interest only2 or principal and interest repayments.

Loan terms to suit you1

Residential property loan terms up to 30 years and commercial property loan terms up to five years. 

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Bank guarantees

A bank guarantee provides vendors with certainty of payment. Express Bank Guarantees are available for fully cash-backed guarantees.

Improve your cash flow

Meet your business obligations while saving your cash for other purposes.

No maximum amount2

Our banking specialists will customise a guarantee that meets your requirements.

Diverse range of security options

Including real property, goodwill, debtors, rent rolls, strata rolls, work in progress or a combination of these.

 

Get started

Fill out our form so we can review your application and connect you with the right banking specialist.

Please note, we do have further criteria that the team will explore for you, and to save you time, we may reach out to you via the email address you have provided with your enquiry.

We provide lending, payment and deposit solutions to individuals and businesses in most of our key industry segments. We pride ourselves on deep industry expertise and a strong relationship model.

To offer the most value when establishing a banking relationship, we may look at the number of years’ profitable trading, directors and annual revenue. 

 
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If you are an existing client, please contact your relationship manager, or call our Client Service team on 1800 442 370.

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Frequently asked questions

Every business is different, so we take the time to get to know you before developing a tailored solution. Rates and fees can vary based on how much you borrow, the type of security provided and the product you choose. Request a call to find out more.

Macquarie Business Banking currently specialises in accounting, architecture, engineering, financial services, healthcare, insolvency, insurance, legal, real estate, strata management, surveying and technology industries.

At Macquarie we’re designed to be different. We work with businesses in industries where we have deep knowledge and experience as it allows us to tailor our services to meet their unique requirements. 

When you request a call, we’ll ask you a few quick questions so we can match you with the right industry specialist. They’ll get to know more about your business before taking you through a range of solutions. You’ll then be able to compare your options and select the solution that’s right for you.

For more information, please contact your relationship manager or request a call.

Additional information

The information on this page has been prepared by Macquarie Business Banking, a division of Macquarie Bank Limited AFSL & Australian Credit Licence 237502 ("Macquarie") for general information purposes only, without taking into account your personal objectives, financial situation or needs. Before acting on this general information, you must consider its appropriateness having regard to your own objectives, financial situation and needs. The information provided is not intended to replace or serve as a substitute for any accounting, tax or other professional advice, consultation or service.

Contact your relationship team or call 1800 442 370 to obtain a copy of our lending terms and conditions. 

1

Term can be extended up to 10 years subject to loan purpose, security and borrower type.

2

Subject to credit approval.

3

Other fees and charges as set out in your loan agreement may apply. 

4

Business overdrafts are not provided on a standalone basis, only available in addition to other products.