Tips on applying for a business loan
Head of Business Banking Charlton Nevis, gives his tips on how to prepare yourself before applying for a business loan.
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Our Business Overdraft Facility can give you flexible access to additional cash flow in conjunction with a Business Cheque Account.
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| Interest Rate | ||
| Residential Security | ||
| Non-residential Security | ||
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| Interest Rate | ||
| Indicator Rate Business Overdraft | ||
| Indicator Rate Residential Business Overdraft | ||
| Indicator Rate Non-Residential Business Overdraft | ||
| Monthly fee | $30.00 |
| Application Fee | Available upon application |
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Heritage Online Security Token to authorise batch payments |
$50 per token, every 3 years. Includes replacement tokens |
Transaction Type |
Fee Per Transaction |
| Direct credits and debits | Free |
| EFTPOS |
Free |
| Visa debit and Visa payWave | Free |
| Counter cash deposits, withdrawals, transfers and BPAY® | Free |
| Heritage ATM withdrawals, transfers and balance enquiries | Free |
| Cheque deposits | Free |
| Presented cheques |
Free |
| Overseas ATM or counter withdrawals (Visa) | $5.00 plus overseas currency conversion fee |
| Bank@Post Transactions* | $3.00 |
| *Bank@Post transactions are free for members for which a residential postcode recorded by Heritage is within the range 0000 to 3999 or 4311, 4312, 4313, 4360, 4361 and 4385 to 9999. |
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Tips on applying for a business loan
Why separate your business and personal accounts
Dealing with cash shortfalls
Our specialists will help you find the right product and support you through every step of the purchase.
Or call 13 14 22 to speak to an expert