Business affected by COVID-19? See what support options are available.

Special offer

Enjoy certainty of repayments and a discounted fixed rate of 2.45%^ p.a. fixed for 3 years

  • Apply by 30 June 2021

  • Borrow from $20,000 to $1,000,000

    View disclaimer *
  • You must hold a NAB business transaction account before 30 June 2021.​ See Important information below for full eligibility.

Here's what you get

  • The ability to borrow from $20,000

  • A straightforward monthly service fee

  • Loan terms up to 30 years available (subject to qualifying criteria)

  • Special all-up 3-year fixed rate of 2.45%^ p.a. (subject to eligibility criteria)


  • The choice of principal and interest, interest only, or a combination of the two when choosing your repayment type

  • Redraw extra funds you’ve paid into your loan if you’re on a variable interest rate

  • Repayment cycles to suit your business needs, with monthly, quarterly, half-yearly or annual options available

  • Ability to lock in a great low rate providing price certainty for interest and repayments throughout the fixed period

benefits for your business


Flexible interest rate options help match your business needs.


Great for purchasing an existing business, funding expansion or investing to grow.


Monthly, quarterly, half-yearly or annual repayment cycles available.

Standard rates and fees

Rates and fees
Loan amount Variable rate
$20,000 to $350,000 Variable rate from 4.50% p.a.
$350,001 to $1,000,000 Variable rate from 4.00% p.a.
$1,000,000 + Variable rate rates available on application

Above variable rates are subject to lending criteria, where a lending margin may apply.

Feature comparison

Feature comparison

Variable rate

Fixed rate 

Features: Variable

  • Make additional repayments and reduce the interest paid over the life of the loan
  • Redraw additional repayments if you’ve paid ahead and need the cashflow


Fixed rate 

Features: Fixed

  • Lock in your rate for a period to help plan cash flow and protect against rate rises
  • During the fixed rate period, your rate won’t change
  • Your rate will automatically switch to a variable rate at the end of the fixed rate period
  • Additional repayments and redraw are not permitted during the fixed rate period

Features: Business Options Loan – Principal & Interest (Both Fixed & Variable)

  • Taylor repayments to your cash flow with monthly, quarterly, half-yearly or annual options available
  • Loan terms up to 30 years available*
  • Combine with an Interest Only period to help manage your cash flow

Features: Business Options Loan - Interest Only

  • Free up cash flow by paying only interest during the loan term
  • Repay the balance of the loan at the end of the term
  • Option to choose a fixed interest rate for a period to help plan your cash flow and protect against rate rises
  • Option to pay fixed rate interest in advance, giving you the certainty to plan and time your cash flow
  • Loan terms up to 5 years available

What to consider before applying

  • Loan purpose and amount – make sure you’ve considered your financial position and know how much you need to borrow, but more importantly, how much you’ll be able to repay.
  • Security – we’ll need to secure your loan using property or some other asset. Make sure you have the details of your security handy when completing the application.
  • Credit check – we’ll ask for your consent to perform a credit check as part of the online application.
  • Banking history – if you’re an existing customer, providing details of a NAB business account may enable us to streamline your application and provide a quicker decision.
  • Documents – see what documents you’ll need to apply Business finance applications | The documents you'll need - NAB

Once you’ve submitted your online application, we’ll call you within one to two business days with a decision or to discuss your application further.

If you don’t want to apply online or want to know more:

  • contact your NAB Business Banker
  • call us on 13 10 12 from 8am to 8pm Monday to Friday, or 9am to 6pm on weekends (AEST/AEDT)
  • request a call back.

Get started with your new NAB Business Options Loan

Other options for your business

NAB QuickBiz Loan

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

NAB Business Markets Loan

Manage borrowing costs and protect your business against interest rate changes.

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We're ready to help you

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