About the Market Rate Loan


A convenient and flexible loan that helps you keep cash on tap and take advantage of transparent market rates. Your loan rate is set according to current market rates with a choice of interest hedging options to protect your business against rate rises.

With a Market Rate Loan, you can:

  • Access funds up to your borrowing limit when you need them
  • Make interest-only payments, then repay the principal when it suits you
  • Choose from market interest rates with 30, 60, 90, 120, 150 or 180 day rollovers
  • Manage your exposure to rate changes and protect your business against rate rises
  • Pay interest in arrears, just like a standard home loan
  • Access your account online 24/7, through NetBank or CommBiz
  • Access to a range of online management tools in CommBiz. Features include:
    • Intuitive dashboard to view loan details including the facility limit and linked accounts
    • Nominate who can access and use your loan facility
    • View upcoming loan events like the rate reset date
    • Request new loan drawdowns or increase/decrease loan balances
    • Download your transaction history and account statements
    • Consolidate accounts
  • Borrow a minimum of $500,000

Choose your loan structure

  • Access funds up to your borrowing limit when you need them
  • Structure your repayments to suit your cash flow situation
  • Choose any combination of variable, fixed or capped interest rates.

Interest rate management options

Choose an option to protect your business from interest rate rises:

  • Fix: Your interest rate is fixed for an agreed term
  • Cap: Your interest rate will never exceed your cap over the agreed term
  • Range: Your interest rate will be fixed for an agreed term, provided you keep within a set account balance

Or ask your Commonwealth Bank Relationship Manager about other interest rate options and combinations, tailored to suit your business.

Related products



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BetterBusiness loan

This loan can help fund your company growth or finance a business initiative and offer the flexibility of fixed or variable interest rates.

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Important information

As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances.

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the loan offer. Bank fees and charges may apply.