Indicator rates for business lending

Monday, 6 October 2025

Business finance

Customer Margin may apply.

Business options prime7.10% p.a.
Business overdraft prime9.97% p.a.
QuickBiz overdraft prime8.37% p.a.
Farmer's choice prime8.97% p.a.
Farm Prime8.97% p.a.
Benchmark rate9.97% p.a.
Base rate9.97% p.a.

Business lending rate

30 day rate5.71% p.a.
60 day rate5.56% p.a.
90 day rate5.51% p.a.
180 day rate
5.50% p.a.

Invoice Finance and Corporate Receivable Finance facilities indicator rates

Monday, 25 August 2025

Invoice Finance Indicator rate9.11% p.a.
Receivable Finance Indicator rate5.76% p.a.

Corporate Markets Loan Reset Margin

Pricing Periods of less than 3 months0.13%
Pricing Periods of 3 months or greater0.00%

Equipment finance

Equipment finance margin0.49% 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 CardPurchase 18.50% p.a.
Cash advance 21.74% p.a
Purchasing / Corporate Card12.65% p.a.
Business CardPurchase 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 Rate8.97% p.a.
Business Options Residential8.45% p.a.
Business Options Commercial9.40% p.a.
Business Overdraft Residential9.97% p.a.
Business Overdraft Commercial
9.97% p.a.
Term base rate
10.23% p.a.

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Terms and Conditions

® Registered Trade Mark of American Express Company.

All rates and underwriting fees are effective, 6 October 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.