SME Unsecured Working Capital Loan


Our SME Unsecured Working Capital Loan can help support your cash flows or provide extra working capital to help your business grow.

  • Unsecured* loans from $20,000 - $100,000
  • Loan terms of up to 5 years
  • Principal and interest repayments over the term of the loan
  • Optional 6 month initial repayment holiday, subject to approval
Interest Rate
Interest Rate
Rates Effective From 09/04/2021
Loan Approval Fee  $600
 Monthly Administration Fee $20


To be eligible for any SME Support Loan under the SME Guarantee Scheme you must:

  • Have an Australian Business Number (ABN);
  • Have an annual business turnover of up to $50 million;
  • Be making a new loan application (not an extension of an existing loan); and
  • Be applying for the loan for business purposes. SME Support Loans cannot be used to purchase residential property or a financial product; or for the provision of loans to an 'associated entity'.
SME Support Loans for Small and Medium Business
See the loans we're offering under Phase 2 of the SME Loan Guarantee Scheme to help businesses adapt and invest for the future.
How do I apply?
How do I apply?

To apply for or enquire about our SME Support Loans: 

  • Call us on 1300 301 809;
  • Enquire online; or
  • Contact your existing Business Banking Manager directly.

For more details on the Scheme visit the Department of Treasury website.  

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. 
These articles may help you

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

Enquire now

Or call 13 14 22 to speak to an expert