Business Loans

Let us help you reach your business goals with one of our business loan products, designed with small and medium businesses in mind.

Property & equipment loans

Fully Drawn Loan

Our Fully Drawn Loan could help you with most business needs such as purchasing a property, buying a business or longer term working capital requirements.  

Equipment Loan

Finance new or used equipment for your business with a flexible Equipment Loan. Borrow $20,000 to $500,000 with variable or fixed interest rate options available.

Self Managed Super Fund Loan

Purchase residential or commercial property on commercial terms with our Self Managed Super Fund (SMSF) Fully Drawn Loan. 

Working capital

Overdraft Facilities
Our Business Overdraft Facility covers you by providing a flexible line of credit in conjunction with a Business Cheque Account.
Line of Credit
A flexible form of finance, allowing you to decide when to make principal reductions, plus the ability to re-use these funds at any time during the term of the facility.
Business Visa Credit Card
With a Business Visa Credit Card, you can access a credit card with up to 40* days interest free and the option to add on multiple cardholders to help keep track of your business expenses.
Real stories by real customers

"Heritage Bank has made business a lot easier for us, with the facilities that they've tailored to suit our needs."

Jamie from Orchy Ice & Coldstores Toowoomba 
Research tools
Guide to starting a business
How to open a business account
Tips on applying for a business loan
Business loan interest rates
More interest rates
Budget planner
Savings calculator
Term deposit calculator

Our Business Banking Specialists are available to answer any of your questions, so you can choose the product that best suits your needs. They can also help with setting up your business account, internet banking and lots more.  Tap here for live assistance.