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

Special offer

borrow from $20,000 to $1,000,000 at a 2.95%^ p.a. variable rate.

  • Apply by 02 April 2021

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

    View disclaimer *
  • You must hold a NAB business transaction account before 02 April 2021.​ See Important information below for full eligibility.

Here's what you get

  • The ability to borrow from $20,000 to $1 million

  • A straightforward monthly service fee

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

  • Special variable rate of 2.95% p.a. available (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

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.

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

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.

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, easy, business lending to help you cover expenses and manage your cash flow.

NAB Business Markets Loan

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

Vehicle and equipment finance

Find the right finance solution for your vehicle and equipment needs.

Let's talk

We’re ready to help your business

Have us call you
Call us
Visit a branch