Whether you've won a new tender, developed a new product or invested in your marketing or brand, there are many ways in which you can expand. If growing your business matters to you, we’re here to make it happen.

IF IT'S FINANCIAL BACKING YOU NEED, WE'RE HERE TO HELP

Whether it's a fast, easy loan under $100K or a bespoke, tailored solution to work with your cash flow, our lending options could suit your needs.


NAB QuickBiz Loan

Fast, unsecured business lending made easy, giving you access to lump sum funds to grow, run and invest in your business.

12.95
% p.a.
$5K-$100K

Borrow between

  • Fast access to lump sum finance without using assets as security
  • Fixed repayments for easier budgeting
  • No upfront or ongoing fees
  • 12, 24 or 36 month loan term offering flexibility

NAB QuickBiz Overdraft

Fast, unsecured business lending made easy, giving you access to cash flow to grow, run and invest in your business.

14.25
% p.a.

Current variable interest rate

$5K-$50K

Borrow between

  • Fast access to cash flow without using assets as security
  • No set monthly repayments and only pay interest on your outstanding debit balance
  • 1.75% p.a. service fee on your approved limit, charged monthly

NAB Low Rate Business Card

Manage your everyday business purchases with a low rate business card.

0
%

On purchases for the first 12 months *

$0

Annual card fee for the first year **

$5K-50K

Borrow between

  • Up to 55 days interest free on business purchases with a low rate card (excludes cash advances)1
  • Reconcile expenses easily with transaction data feeds direct to MYOB or Xero
  • Attach multiple cards and set individual credit limits under one facility

OTHER SOLUTIONS TO SUPPORT YOU AND YOUR BUSINESS

NAB Connect

Our internet banking solution for business. Flexible to use at the office, from home or on the go.

Payments and merchants

Merchant facilities are often overlooked, make sure you're set up to take payments from day one.

Business cards

Manage your business cash flow and day to day spending with a range of business cards to match your needs.

“Over these past 12 months, we've ordered well over a hundred thousand pairs of FRANKiE4s. Without NAB financially backing us, we would not have been able to afford this incredible growth that our business has experienced.”

- Caroline McCulloch, FRANKiE4 Footwear, Brisbane, QLD

IF IT'S TIPS AND TOOLS YOU NEED, WE'RE HERE TO HELP

Five ways to grow locally

Heading overseas isn’t the only way to grow. Here are 5 ways to consider pumping up your revenue on home ground.

How to reduce costs

Improving the way you operate your business to increase cash flow.

Essential tips for cash flow forecasting

Good cash flow management will help ensure your business runs smoothly and it gives you the insight to keep on top of your business' financial health.

How to write a business plan

It's important to have a plan to help you achieve your goals. To make this easier, we've created a business plan guide and template.

Important Information

All NAB QuickBiz finance options are subject to credit assessment and approval

For the NAB QuickBiz Loan and NAB QuickBiz Overdraft, funds will be provided within 1 business day upon receipt of signed contracts. For the NAB Low Rate Business Card, cards will be posted once unconditional approval is provided and should arrive by post approximately 3 business days later. Business days are Monday to Friday, excluding weekends and VIC public holidays.

Instant answer online and funding subject to credit assessment and verifications.

This loan is only available for loans which are wholly or predominantly for business purposes. This loan cannot be used to make payments to the Australian Tax Office.

Your business must have been in operation for at least 12 months and have a valid Australian Business Number (ABN).

You need to be at least 18 years or older to apply and hold an Australian citizenship or permanent residency.

Your business and residential address must be in Australia.

This loan is only available for sole traders, business partnerships with 2 or less individual partners, companies with 5 or less directors borrowing in their own right or an eligible discretionary trust. It is not available for joint borrowers who are not partnerships, or partnerships where one or more partner is a company.

Eligible trusts include the following:

  • your trust must be a non-government discretionary trust
  • your trust has a valid Australian Business Number (ABN) and has been registered for at least 12 months.
  • your trust must have been established in Australia
  • the beneficiaries of your trust are individuals
  • your trustees can only be one of:
    • a company with no more than five directors
    • up to two individuals
  • if the trustee is a company shares in the company must be beneficially held.

Any shareholders of companies listed in the application must be individuals, and not companies.

If you are an existing NAB Customer, you must have operated all accounts in accordance with the terms of those accounts.

Your business must be registered for GST and have a turnover of at least $100,000 p.a

If you have an existing NAB Business Credit Card or a NAB QuickBiz Overdraft and require additional funds:

  • you can apply for an additional NAB Business Credit Card facility or NAB QuickBiz Overdraft facility 6 months after your most recent NAB Business Credit Card or NAB QuickBiz Overdraft facility establishment date.
  • you can apply for an additional NAB QuickBiz Loan 90 days after your most recent NAB Business Credit Card or NAB QuickBiz Overdraft facility establishment date.

If you already have an existing NAB QuickBiz Loan you can apply for an additional NAB QuickBiz Loan, NAB QuickBiz Overdraft or NAB Business Credit Card 90 days after your most recent NAB QuickBiz Loan facility establishment date.

If you are an existing NAB Customer, you can only apply for this product if you have less than $1m in existing business lending with NAB and less than $100k in unsecured business lending with NAB (inclusive of this application).

NAB may have other options which suit your business better if you do not meet the conditions for this loan. You can contact us on 13 10 12 to discuss.

NAB QuickBiz Loan

The interest rate of 12.95% p.a. applies from drawdown date of your NAB QuickBiz loan until the end of your loan term. Minimum monthly repayments must be made by the due date each month.

Standard product information

This loan is available only as a fixed interest rate principal and interest loan for a 12, 24 or 36 month term with monthly repayments. Variable rate loan and interest only loans are not available. Economic costs may be payable if you terminate early. If this does not work for you, we have other loan options that may better suit your needs.

You must have an Australian bank account, in the same name as your business, to receive your funds.

The NAB QuickBiz Loan has no upfront or ongoing fees but economic costs may apply if you choose to pay the loan off before the end date of the contract.

NAB QuickBiz Overdraft

The overdraft is available as a variable interest rate only. Debit interest is calculated on the daily outstanding balance and is charged to the account on the last banking day of the month. A QuickBiz Overdraft service fee applies and is charged to the account on the last banking day of each month. Fees and charges may apply to your linked transaction account.

You can only borrow up to $50,000 in total limits across both a NAB QuickBiz Overdraft and NAB Business Credit Cards (applied for online).

The NAB QuickBiz Overdraft is only available as a new facility. It can’t be applied to existing NAB business overdrafts.

NAB Low Rate Business Card

* Introductory interest rate

Offer commences on 26 February 2018. To be eligible for the introductory interest rate offer, you must be approved and issued with a NAB Low Rate Business Card by 17 June 2018. The special introductory interest rate of 0% p.a. on purchases applies for 12 months from the date your account is opened by NAB. At the end of the 12 months, any purchase amounts owing will attract the interest rate for purchases then applicable to your account which is equal to the NAB Low Rate Business Card indicator rate for purchases and is available at nab.com.au and is subject to change. Minimum monthly repayments must be made by the due date each month.

** Annual fee waiver

Offer commences on 26 February 2018. To be eligible for the annual card fee waiver, you must be approved and issued with a NAB Low Rate Business Card by 17 June 2018. The annual card fee waiver will apply to each card issued and used within one year of opening your account and will apply for 12 months from the day of use. The annual card fee will be charged to the card in the statement period following the anniversary of first use of the card, which is currently $60 and is subject to change.

1 Interest free days on business purchases

If you pay your account in full by the due date each month. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office, purchases of travellers cheques and transactions for gambling or gaming related purposes).

Tailored Business Loans

Lending criteria and terms and conditions apply (available on application).

Rates, fees and charges

Business Banking Fees – A guide to fees and charges

Let's talk

We’re ready to help your business

Have us call you
Call 13 70 03

Mon-Fri 8am – 8pm (AEST/AEDT)
Sat-Sun 9am – 6pm (AEST/AEDT)