Indicator rates for business lending

Monday, 1 September 2025

Business finance

Customer Margin may apply.

Business options prime 7.10% p.a.
Business overdraft prime 9.97% p.a.
QuickBiz overdraft prime 8.37% p.a.
Farmer's choice prime 8.97% p.a.
Farm Prime 8.97% p.a.
Benchmark rate 9.97% p.a.
Base rate 9.97% p.a.

Business lending rate

30 day rate 5.72% p.a.
60 day rate 5.59% p.a.
90 day rate 5.49% p.a.
180 day rate
5.39% p.a.

Invoice Finance and Corporate Receivable Finance facilities indicator rates

Monday, 25 August 2025

Invoice Finance Indicator rate 9.11% p.a.
Receivable Finance Indicator rate 5.76% p.a.

Corporate Markets Loan Reset Margin

Pricing Periods of less than 3 months 0.13%
Pricing Periods of 3 months or greater 0.00%

Equipment finance

Equipment finance margin 0.49% p.a

Business credit cards

NAB Rewards Business Signature Card

Purchase 18.50% p.a.

Cash advance 21.74% p.a.

NAB Qantas Business Signature Card Purchase 18.50% p.a.
Cash advance 21.74% p.a
Purchasing / Corporate Card 12.65% p.a.
Business Card Purchase 15.50% p.a.
Cash advance 15.50% p.a.
NAB Low Rate Business Card

Facilities established after 28/03/2014

Purchase 13.25% p.a.
Cash Advance 13.25% p.a.

Interest rates for products no longer for sale

Business mortgage

Instalment loan / fully drawn advance 8.38% p.a.
Overdraft 9.97% p.a.

Commercial mortgage

Farmer's Choice Variable Rate 8.97% p.a.
Business Options Residential 8.45% p.a.
Business Options Commercial 9.40% p.a.
Business Overdraft Residential 9.97% p.a.
Business Overdraft Commercial
9.97% p.a.
Term base rate
10.23% p.a.

Commercial cards

Velocity NAB Business American Express ® Card Purchase 18.50% p.a.
Cash advance 21.74% p.a.
NAB Qantas Business Card Purchase 18.50% p.a.
Cash advance 21.74% p.a.
NAB Business Payments Card Purchase 15.50% p.a.
Cash advance 15.50% p.a.

Get in touch

Contact us

Explore our business banking contact information and get support with a wide range of products, services and topics.

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Terms and Conditions

® Registered Trade Mark of American Express Company.

All rates and underwriting fees are effective, 1 September 2025 and are subject to change at any time.

To find out more, visit nab.com.au, call into a NAB branch, or call 13 10 12. Fees and charges apply.

Full details of these and relevant terms and conditions are available on application.