Local businesses backed by local expertise

For the past 100 years, we’ve been supporting businesses in local communities like yours to grow and thrive.

We’re committed to building a brighter business future for you, your customers and community.

Let our specialised and experienced team in your area show you what’s possible. 

We can help your business move forward with lending that works for you.

Need funds fast? CommBank offers eligible businesses conditional 24 hour lending approval.¹

BetterBusiness Loan

A simple loan to help you manage or grow your business. Flexible repayment options include interest only, principal and interest, or a combination.

Vehicle & Equipment Finance

With $0 upfront deposit and no monthly fees, there are no surprises, hidden fees or charges with our simple business vehicle and equipment finance pricing.2

Stream Working Capital

A fully digital cash flow solution that lets you access the funds you need quickly, using your customers unpaid invoices as loan security.3

We understand what it takes to do business in regional communities

We know that not all businesses are the same. That’s why we have industry specialist teams and products designed to support your business goals.

Business Banking 

Whether you’re a small or commercial business with complex requirements, our Local Business Bankers can help tailor solutions based on your business needs. 

Agribusiness Banking

Australian farmers are resilient, innovative and adaptable. Our Agribusiness specialists have strong connections to the farming community. Many of our team grew up on farms and some still farm today. We have a deep understanding of the Ag Industry because we’re a part of it.

Helping businesses achieve their goals

We understand that there’s no other business quite like yours. That's why our team of Business Banking specialists can tailor a solution unique for your business needs.

See how we've helped other businesses like Flourish plants, achieve their business goals.4

Elaine, owner of Flourish Plants

“We’ve introduced lots of automation to allow us to meet market demand and expand the business,” Elaine says.

However, access to cash quickly is key to support business growth. CommBank’s team of specialists took the time to understand Flourish Plant’s unique business needs and aspirations, to assess the expected costs and value of the efficiencies from investments.

Elaine says, "Our banker takes an active interest in the business and has a really intimate understanding of what we are trying to achieve.”

Smart banking tools to fuel your business

Make light-work of your business banking with tools with Australia’s number 1 banking app.5

Track spend, predict your bills and payments while enjoying cash-flow tools to help you make smarter business decisions. Plus, stay ahead of the competition and turn insights into action with DailyIQ.6 Optimise your cash flow, enhance performance and grow your customer base.

Things you should know

  • As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Current Terms and Conditions for Business FinanceTerms and Conditions for Asset Finance and Financial Services Guide. Rates are subject to change. For current interest rates, visit business banking rates and fees. Fees, charges and Terms & Conditions apply.

    1. A lending decision within 24 hours is subject to the Bank's eligibility and suitability criteria. These products are only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank’s eligibility and suitability criteria and normal credit approval processes. 

    2. These products are only available to approved business customers and for business purposes only. Customers seeking finance under the SME Recovery Loan Scheme need to meet eligibility criteria of the Government SME Recovery Loan Scheme Rules including, impacted by Coronavirus or other eligible criteria, be a small to medium sized business with an annual turnover of less than $250 million in the financial years 2019-20, 2020-21 and/or 2021-22 and have an ABN. Under the Scheme Rules businesses are able to borrow up to a maximum of $5 million across all lending products and finance providers. To qualify for the advertised rates the amount financed must be between $20,000 and $250,000 for equipment and vehicles fixed for 2 or 3 years. Other terms and rates available. Only available for Equipment Loan, Hire Purchase and Finance Lease. Refinancing of existing finance facilities, sale/hire backs allowed with Equipment Loan only. Applications for finance are subject to the Bank's eligibility and suitability criteria and normal credit approval processes. Must be funded by 30 June 2022. Rates are subject to change. Fees, charges, terms and conditions apply. Full Government SME Recovery Loan Scheme Rules can be found at https://treasury.gov.au/coronavirus/sme-recovery-loan-scheme

    3. This information is prepared without taking into account your individual and/or business needs and objectives. Credit provided by the Commonwealth Bank of Australia. This product is only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank’s eligibility and suitability criteria and normal credit approval processes. The minimum value of nominated invoices is $15,000 per month. A minimum facility limit of $50,000 or more applies to Stream Working Capital. We will require your consent to access your accounting software to assess your application and manage your account going forward. Full terms and conditions, interest rate, establishment fee and line fee are included in the Loan Offer, you should consider these before making any decisions about these products. Bank fees and charges may apply. To use Stream Working Capital you'll need to open or switch to a Stream Working Capital Transaction Account if your application is approved. Fees and charges for this account are in addition to those associated with any existing business transaction product. For the Stream Working Capital Transaction Account view our CommBank Business Savings and Transaction Accounts Terms and ConditionsFinancial Services Guide (PDF), the Electronic Banking Terms and Conditions (PDF) and the Target Market Determination, you should consider these before making any decisions about these products. Bank fees and charges may apply. View our current interest rates Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.

    4. The testimonial provided is authentic based on a CBA customer’s experience.

    5. The Forrester Digital Experience ReviewTM: Australian Mobile Banking Apps, Q3 2020. Forrester Research does not endorse any company included in any Digital Experience ReviewTM report.

    6. Daily IQ has been prepared as a research tool for general informational purposes only and should not be relied on to make business decisions or for account reconciliation. The information may be incomplete or not up to date and may contain errors and omissions. Any projections and forecasts are based on a number of assumptions and estimates, including future events and contingencies, which may be inaccurate.