Features & benefits

Tailor your loan

Secure your loan with residential, rural and commercial property or cash. Unsecured loan options are also available.

Repayment type

Select between interest only or principal and interest repayments and set a frequency to match your cash flow needs.

Loan term & security

  • 1 to 30 years when residential security is used 
  • 15 years when commercial security is used

Interest rate options

Variable rate

  • A variable rate loan is open to interest rate changes which means you could benefit from downward interest rate movements
  • Make extra repayments with the ability to redraw anytime through NetBank, CommBiz and the CommBank app

Fixed rate

  • Have certainty of each repayment
  • Avoid interest rate rises during the fixed period
  • Switch to variable rate at the end of any fixed rate period

Rates & fees

Rates and fees differ based on the type of security you provide for your loan, your loan amount and other factors. We'll confirm what they are in your Letter of Offer. Fees include:

  • Loan establishment fee
  • Monthly loan service fee
  • Other fees apply

 See our business loan rates

Rate name
Interest rate
Variable Rate​ - residentially secured (Residential Equity Rate)*
Variable Base Rate*
Fixed rate*
Speak to one of our business bankers
*Interest rate margin applies


A BetterBusiness Loan may be suitable for:

  • Businesses of any size, including sole traders, partnerships, trusts and registered companies
  • Groups or individuals using the lending facility for business purposes

How to apply

  1. Request a call back or call 13 1998 to speak to one of our business bankers
  2. Discuss and choose the loan structure that suits you best
  3. Supply your ID documents and forms for your application

You may be asked for different documents to help us better understand your current situation, such as financial statements, proof of individual income, bank statements and identification (if you aren't an existing CommBank customer). Here's some more about documents you may need

Other loan options

Business overdraft

Choose from our range of business overdrafts, based on your business needs. Whether you’re a large or small business – we’ve got the right solution for you.

Tell me more

Car & equipment finance

Finance for $10,000 or more for eligible vehicles and equipment.1

Tell me more

Things you should know

1. 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. 

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. View our Current Terms and Conditions for Business Finance (PDF 522kb) and Financial Services Guide (PDF 59kb) and consider them before making any decision about this product.

Terms and conditions issued by Commonwealth Bank of Australia ABN 48 123 123 124 for CommBiz and NetBank are available on our website at commbank.com.au, from any of our branches or by phoning us on 13 2221, and should be considered before making any decision about these products. For current interest rates, visit commbank.com.au/business/rates-fees.