What is a NAB Flex-Flow Loan?​

The NAB Flex-Flow Loan is a merchant finance solution for NAB Merchants. It’s a fast and easy way for approved NAB merchants to access up to $125,000, providing flexibility to help manage business cashflow.

Repayments are designed to match your cashflow and are made automatically through future transactions on NAB merchant facilities settled to your NAB account. It’s an unsecured loan, with no need to provide assets like property or equipment as security.

To be eligible for a NAB Flex-Flow Loan you must have been a NAB merchant with a NAB settlement account for a minimum of 12 months. Before applying, check the Eligibility for a NAB Flex-Flow Loan.

Rates and loan amounts 

Check out the rates and minimum and maximum loan amounts of our merchant loan

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Interest rate

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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.

Flexible repayments

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. 

Calculate your borrowing power and daily repayment percentage

Use our handy calculator to work out which loan amount and daily repayment percentage may suit your business.

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.

NAB merchant customers with a NAB settlement account

The NAB Flex-Flow Loan is exclusively for approved NAB merchants. During the application process we’ll need to confirm that you’ve been a NAB merchant with merchant facility transactions settling into an eligible NAB settlement account for at least 12 months. This is so we can estimate the amount of money you can borrow based on your cashflow.

For small to medium businesses

This loan is designed to help small to medium sized merchant businesses grow. Our estimate of the minimum card sales settled to your approved NAB settlement account must be at least $20,000 per annum and no more than $10,000,000.

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

Step 1. Sign into NAB Internet Banking to apply

Sign into your NAB Internet Banking to start your application. Make sure you have your NAB IDYour NAB ID is a unique number given to you when you become a NAB customer. NAB IDs are also known as NINs (NAB Identification Numbers). It’s a unique number that is different to any of your NAB BSB, account or card numbers.  handy. ​

Apply via Internet Banking in as little as 20 minutes.

Step 2. Complete the application

Complete the online application in as little as 20 minutes and receive an instant decision. When applying, we’ll ask why you’re taking out the loan. ​

Step 3. Receive funds

Once approved you can access your funds within one business day and you'll start repaying your loan through future card transactions on your NAB merchant facilities at the agreed repayment percentage. 

Help and support Common merchant loan questions

How do I repay the loan?

Loan repayments are automatically deducted daily from your merchant settlement account. The daily repayment amount is calculated as a percentage of your daily merchant sales, aligning your loan repayments to your actual cashflow. This means if sales are slow your repayments will be lower, and no repayment is deducted when you are closed or have no sales. You can select a payment percentage between 10% and 30% when you apply.

Can I change my repayment percentage or increase my loan value?

No. Once the loan contracts have been signed you cannot change the repayment percentage or increase your loan value. When you apply, make sure you select a repayment percentage that suits your cashflow.

However, you are able to make additional repayments to pay down the loan faster, but you will be unable to increase your loan or redraw once the loan has been established.

Get in touch

Request a call back

Complete our online appointment booking tool and a business banker will contact you

Contact us

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