Rates and loan amounts
Check out the rates and minimum and maximum loan amounts of our merchant loan
Benefits of the NAB Flex-Flow Loan
Explore the benefits and features of our merchant finance loan and see how it can help your business.
Repayments change or ‘flex’ in line with your merchant sales activity. They are automatically calculated daily using an agreed percentage of merchant sales receipted each day. You choose a daily repayment percentage, between 10% and 30%, that suits your estimated cashflow. A minimum of 10% of the original loan value must be repaid every 90 days. You can make additional repayments at any time to pay down this loan faster.
One upfront fee, no interest
Enjoy the certainty of just one upfront fee which is added to the loan amount and no ongoing fees, charges or interest.
Quick decision, fast funds
Apply online in as little as 20 minutes and once approved, funds should be in your account within one business day after we receive your signed contract.
No assets for security
The strength of your business performance and your track record is all you need to apply - no physical assets are required to get the NAB Flex-Flow Loan.
Tailored loan term
The loan term is calculated based on your business data and will be unique to you. An estimated loan term takes into account the loan amount you choose, your historical sales and the repayment percentage you choose when completing the application.
Eligibility Eligibility and application requirements
Before applying check our eligibility and application requirements. All applications are subject to NAB credit assessment and approval. Terms and conditions, fees and charges apply.
If you are not a NAB merchant yet, learn more about our EFTPOS, payments and merchant solutions.
Getting started NAB Flex-Flow Loan application process
Get in touch
Request a call back
Complete our online appointment booking tool and a business banker will contact you
Visit our business banking contact page for how-to-guides and FAQs, as well as contact numbers.
Visit a NAB branch
Let our business banking specialists help you in person.
Terms and Conditions
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