Your Xero account makes it easy for you to apply for

  • An unsecured business loan of up to $100K

  • An unsecured overdraft with a linked NAB Business Transaction account

  • Finance for your business vehicle or equipment of up to $150K

  • Our range of business credit cards

Businesses that can apply

  • Use Xero accounting software, and have 12 months of business financial data in your Xero account

  • A valid ABN/ACN registered for at least 12 months and registered for GST

  • Have an annual turnover of at least $75K

  • Be a sole trader, partnership (up to two), company with up to five directors, or a trustee of an eligible trust†

  • Be over 18 years old and an Australian citizen or permanent resident.

NAB AND XERO

Easy

Your application can be completed in as little as 15-20 minutes.

Fast

If approved, get access to your funds within one business day from receipt of the signed contract.^

Options

A range of business finance options such as loans, overdrafts and cards.

Find the right NAB lending solution

Fast, unsecured business lending made easy, giving you access to funds to grow, run and invest in your business.

12.95
% p.a.

Fixed rate

  • If approved, get access to funds one business day after we receive all your signed paperwork. View disclaimer *
  • Fixed competitive monthly principal and interest repayments so you can budget more
  • 12, 24, 36 month loan terms giving you the flexibility you need

Easily manage peaks and troughs in your cash flow with an overdraft on your transaction account.

14.25
% p.a.

Variable rate on what you've used

1.75
% p.a.

Service fee on approved limit

  • If approved, get access to funds one business day after we receive all your signed paperwork. View disclaimer *
  • Only pay interest on what you use
  • An extension of your NAB business transaction account

Buy vehicles or equipment for your business with no deposit and no bricks and mortar security required.

5.49
% p.a.

online fixed rate for cars, utes and vans with no balloon View disclaimer 1

$ 500

upfront fees View disclaimer 2

$ 0

ongoing monthly fees

  • $0 deposit on loans approved online up to $150K
  • We can pay the vehicle or equipment supplier invoice within 1 day of receiving your signed documents
  • 1-5 year loan for new equipment, 1-3 year loan for used equipment

It's a low cost credit card to help you manage your cash flow.

$ 5K

Minimum facility credit limit

$ 60

Annual card fee (per card)

0% P.A. on purchases for 12 months
  • Enjoy 0% p.a. on purchases for 12 months on a new NAB Low Rate Business Card. View disclaimer **
  • No annual card fee for the first year. View disclaimer ^
  • NAB may vary or end this offer at any time without notice. See important  information below.

Compare the full range of Business Credit Cards

Access to funds within one business day 3

3Funds will be available the next business day from when we receive the completed contract via email. Business days are Monday to Friday, excluding weekends and Victorian public holidays.

Fast access to funds online

  • Step 1 Apply online in as little as 15-20 minutes.
  • Step 2 Have your ABN/ACN details handy as well as your NAB account number if you're already a customer.
  • Step 3 Link your Xero data for an instant answer.
  • Step 4 If approved, get access to your funds within one business day from receipt of the signed contract.^^

Help me choose the right NAB business finance option

Answer a few simple questions to see which finance option is best for your business needs.

NAB & Xero

partnering to support your business

Let's talk

We’re ready to help your business

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