Here's what you get

  • An unsecured loan starting at $500 and up to $10,000

  • Access to training and support through NAB approved partner organisations

  • A 3 month interest free period allowing you the flexibility to get ahead with your repayments

  • Loan funds must be spent within the 3 month interest free period

  • The ability to use your loan funds via a credit card

  • Up to 3 years to repay the loan.

To be eligible for the program you must

  • Work with one our program partners to prepare your application

  • Be 18 years and over

  • Be an Australian citizen or permanent Australian resident

  • Have lived at your current address for at least 3 months

  • Not have or expect to have more than 5 full time employees

  • Not have been bankrupt in the last seven years and have no overdue or outstanding unpaid debts

  • Be able to provide your business plan and financials

  • If successful, must continue to work with the program partner for at least 12 months and complete the mentoring sessions.

rates and fees

9.99% p.a. fixed interest rate

How it worksIt's easy to apply

  • Step 1

    Choose a program partner 

    Find the program partner that works for you and prepare your application. They'll help ensure your business plan and financials are up to date.

  • Step 2

    Prepare documentation

    Complete a loan application form along with the necessary documents. You'll also need a letter of endorsement from your program partner.

  • Step 3

    Verify your business

    Before you apply, you will need to visit a NAB branch with your ID and ABN to be verified. Ask the branch staff to provide you with both a personal and business customer number. Take note of these to write on your application form.


  • Step 4


    Your program partner will send your application through to NAB.

  • Step 5

    Receive your finance

    If successful, you'll receive a NAB Microenterprise Program credit card to use for your loan in the mail.

NAB Microenterprise loan program

program partner organisations

A program partner is more than just another business. They help provide support and training, giving your business the best chance possible.

We want to give your business the best chance to succeed, that's why we ensure you're given more than just money when applying for the NAB Microenterprise Loan Program. 

Eligibility for the NAB Microenterprise Loan program may vary depending on which program partner you apply through. Feel free to contact partners and discuss your application before committing. 

Looking for the next step?

What you need to know

Still have questions?

What are the required documents?

A number of documents are required to apply for the NAB Microenterprise Program including:

  • a completed application form
  • a copy of your completed business plan
  • two years of projected financials, including written commentary and any supporting documents you may have
  • a letter of endorsement from one of our program partners
  • a copy of your most recent bank statements for all non-NAB debt
  • last two months statement of transaction listings for all non-NAB accounts
  • Equifax credit report no older than two months.

Who can I contact for further information?

If you have further questions about the NAB Microenterprise Program you can call 13 10 12 or contact one of our program partners.

Not what you need?

other options that may interest you

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NAB QuickBiz Overdraft

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Vehicle and equipment finance

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Important Information

Let's talk

We’re ready to help your business

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Sat-Sun 9am - 6pm (AEST/AEDT)

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