Business loans to suit your needs
We have business lending solutions for different stages and types of businesses.
No physical assets required for security and fast access to funds.
Borrow from:
$5,000 - $250,000
An easy to understand medium to long-term business loan, ideal for growing your business.
Borrow from:
$20,000
Own your next vehicle or equipment straight away with no upfront deposit or monthly fees.
Borrow from:
$20,000
Our specialist business loans
As a specialised business, you need finance options that are tailored for your industry and unique business needs.
NAB Flex-Flow Loan
A fast, flexible loan designed for NAB Merchants to match your cash flow and keep your business running smoothly.
NAB Business Markets Loan
Manage borrowing costs and protect your business against interest rate changes.
Bank guarantee
Guarantee payments to your landlord or business partners and hold onto your cash until the contract is complete.
Help me choose the right business loan
Start by answering a few simple questions with our helpful product selector tool.
Australia’s largest business lender
We have a team of bankers, specialists and support staff assisting businesses across Australia.
Tailored lending that works for you
We can help you find the right loan and borrowing structure to suit your business needs.
Support for regional business
We have 650 regional and agribusiness bankers in more than 120 locations around Australia.
Getting started Common business loan questions
What is a business loan?
A business loan is an arrangement where a business is provided funding, usually by a financial institution. In exchange for the funding, the business agrees to repay the borrowed money over the loan term, together with interest rates and fees. Business loans can be secured or unsecured, have variable or fixed interest, have different term lengths and may offer repayment terms which can be tailored to your circumstances.
We offer a variety of business loans to help make it easier to find a loan that works for you.
How fast is the approval process?
This depends on the type of business loan you are applying for. If you need a business loan quickly, the NAB QuickBiz unsecured business loan could be an ideal solution, with the ability to borrow small amounts between $5,000 and $250,000. The application process takes 15-20 minutes and once approved, you may be able to access funds within one business day.
Is it difficult to get a business loan?
Obtaining a business loan depends on your business’s financial health, credit history and the type of loan you’re applying for. If you already have a solid business plan, financial documentation and good credit, the process will be easy. NAB offers flexible loan options for businesses at all stages, including loans for small businesses, with a simplified application process.
Get in touch
Sales enquiries
Let us help with your business banking needs. Request a call back to chat with one of our business bankers.
Contact us
Explore our business banking contact information and get support with a wide range of products, services and topics.
Visit a NAB business banking centre
Let our business banking specialists help you in person.
Terms and conditions
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NAB QuickBiz Loan
This loan is available only as a fixed interest rate principal and interest loan for a 12, 24, 36, 48 or 60-month term with monthly repayments. The NAB QuickBiz Loan interest rate applies from the drawdown date of your NAB QuickBiz Loan until the end of your loan term. 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.
These products are issued by National Australia Bank Limited ABN 12 004 044 937.
Lending criteria and terms and conditions apply (available on application).
- Rates, fees and charges
- Business Banking Fees – A guide to fees and charges
- Business lending general terms (PDF, 342KB)
NAB recommends you consider the Product Disclosure Statement or other disclosure document, available from NAB, before making any decisions regarding these products. These products are issued by National Australia Bank Limited ABN 12 004 044 937.
NAB Business Markets Loan
Lending criteria and terms and conditions apply (available on application).
- Rates, fees and charges
- Business Banking Fees – A guide to fees and charges
- Business lending general terms (PDF, 342KB), opens in new window
Target Market Determinations for these products are available at nab.com.au/TMD.
NAB Business Options Loan
Economic costs and fees may apply if you swap from a fixed to a variable interest rate before the end of a fixed rate period, or if you make additional repayments during a fixed rate period.
Lending criteria and terms and conditions apply (available on application).
NAB recommends you consider the Product Disclosure Statement or other disclosure document, available from NAB, before making any decisions regarding these products. These products are issued by National Australia Bank Limited ABN 12 004 044 937.
- Rates, fees and charges
- Business Banking Fees – A guide to fees and charges
- Business lending general terms (PDF, 342KB)
Target Market Determinations for these products are available at nab.com.au/TMD.
Lending criteria and terms and conditions apply (available on application).
The tax comments provided in this document are of a general nature and do not take into account any particular person’s objectives, financial situation or needs. The tax benefit information is based on present taxation laws and regulations, which may be subject to change. NAB recommends that you seek independent tax advice before making any decision based on this information, including in respect of the tax consequences arising from the use of any NAB Equipment Finance solution as they apply to your particular circumstances.
These products are issued by National Australia Bank Limited ABN 12 004 044 937.