Applying for Business Loan or Business Overdraft

"Real people, real service...that's doing business our way"

Whether you have an amount in mind or you just want to know how much you can borrow - our Business Loan Consultants can provide you with an obligation-free pre-loan assessment. They can answer any questions you may have and tell you about the interest rates and benefits of a Wide Bay Australia loan.

They can also tell you:

How much you may be able to borrow based on the required deposit - generally, we can lend up to 75% of valuation*. Consideration will be given to your income and assets (real estate, motor vehicles, shares, superannuation etc) and living expenses and liabilities (other loans, tax debts etc).
About our lending criteria - including the valuation, location and type of property you are considering purchasing, as well as your savings, employment and credit history.
The monthly payments you will have to make - based on a given loan amount provided for a certain loan term and calculated at a particular interest rate.
About the fees and charges you might expect to pay in establishing and managing your loan - including any insurance premiums and government charges.

After a pre-loan assessment your Business Loan Consultant can help you submit a formal Application for Credit.

Along with your completed Application form or On-line Application we may also need:

Documentation verifying the information in your application.
An independent valuation on the property being offered as security

If your Application and other requirements meet our lending criteria - you will be made an offer which contains the full terms and conditions of the proposed loan.

If you accept this offer, we will advance the loan funds in order for you to complete your transaction.

This is not an offer to lend - all loans are subject to terms and conditions. Fees and charges are payable. Full details are available on application. Loans are only available to approved applicants offering security in approved property in Australia.
** Under our current commercial lending policies – we require approved commercial/rural security and we are unable to accept applications for Unsecured loans; Loans with security over leasehold properties eg. hotels, motels; ‘Balance sheet’ lending; Loans for ‘start up’ business ventures or rural enterprises (where income to service the loan will derive from that venture) or enterprise; or Loans for property development where the security involves the development property only with valuation based on completed blocks/units etc.