What is a commercial loan?

A commercial loan, often referred to as a business loan, is a product you can use to fund a commercial property purchase, buy new equipment, increase your working capital or fund other business activities. 

NAB offers a range of secured and unsecured commercial loans for all types of businesses from small start-ups to large established companies.

Check if a commercial loan is right for you

There are a number of reasons that commercial lending like the NAB Business Options Loan might be the right choice for your business.

  • Buying new commercial property to expand your operations.

  • Renovating your existing workplace to increase efficiency, improve safety or make extra space.

  • Buying new equipment or upgrading old equipment.

  • Securing extra capital so you can handle bills and invoices or make payroll.

Explore our commercial loan options

Compare our commercial business loan and overdraft products to find the right solution for your business. Compare interest rates, secured and unsecured options, and loan terms.

A simple, easy to understand lending solution tailored to suit your business.

Features and benefits

  • Borrow from $20K

  • Flexible loan terms to suit your business needs

  • Redraw available on variable interest rate loans

  • Choose between secured or unsecured business loans

An overdraft on your Business Everyday Account to help manage your cash flow and seasonal expenses.

Benefits of this overdraft

  • Flexible cash management with access to a revolving line of credit.

  • Access the additional funds directly from your NAB Business Everyday transaction account with a NAB Business VISA Debit card.

  • Choose between secured or unsecured overdrafts.

Applying for a NAB Commercial Loan

Here's a quick look at how to apply and receive your commercial loan finance.

Step 1. Choose the right option

Choose the right finance to suit your needs. If you’re unsure, talk to us over the phone or in person with your local NAB business banker.

Step 2. Apply

You can apply over the phone or in person with your local NAB business banker.

Check what documents you need to apply

Step 3. Sign documents

Once the approval is sorted, we’ll send you the completed documents to sign and return.

Step 4. Receive your finance

Receive your finance once all documents are received and approved.

Commercial loans

Commercial loans

Commercial loans

Commercial loans

Business loan calculators

Useful lending and cash flow calculators to help you run and manage your business.

Contact us

Call us

Call us for your general enquiries about business banking.

Request an appointment

Book a call back, an appointment, or a mobile banker who can come to you.

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

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