Bank of us Product Details

Small, Small Bus Loan

Our small, small business loan is ideal for buying that new work vehicle or upgrading your tools. With secured, partly secured and unsecured loan options available and for loans ranging from $5,000 to

Category: Business Loans Last Updated April 13, 2026 Effective August 22, 2026

General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information The interest rate quoted for the product is based on a loan secured by an asset that is less than 2 years old. If the asset is more than 2 years or the loan is partly of fully unsecured, than an additional margin may apply. This will be determined at the time of application.

Interest Rate
6.99% PA

Comparison Rate
0.00%PA*

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

Extra Repayments

Redraw

Digital Banking

Guarantor

Product Eligibility

Min Age - 18.

Business

Residency Status Additional Information: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.

Bank Fees and Charges

Small Business Loan Application Fee (Upfront), Amount: Not Listed..

Monthly Service Fee (Periodic), Amount: Not Listed.. Additional Information: Payable on the same day, and in the same manner, as any repayment on your loan. This fee will be debited to your loan account on the last day of each month.

Special Attendance Fee (Event), Amount: Not Listed.. Additional Information: per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date.

Arrears Fee (Event), Amount: Not Listed.. Additional Information: Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day.

Insurance Collection Fee (Event), Amount: Not Listed.. Additional Information: Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf.

Evidence Retrieval Fee (Event), Amount: Not Listed.. Additional Information: Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction.

Cheque Dishonour (inward) Fee (Event), Amount: Not Listed.. Additional Information: Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.

Duplicate Statement Fee (Event), Amount: Not Listed.. Additional Information: Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request.

Limitations & Restrictions (Constraints)

Min Limit of 5000.00

Max Limit of 100000.00

Document Downloads

consumer-standard-terms-and-conditions.pdf (1.0 MB)

fees-and-charges-schedule-1-july-2021.pdf (273.1 KB)

■ ■ ■

Download our complimentary 1000-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients. Over 200 pages on advertising compliance, and a section on how to create your first ad.