RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.6%

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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)

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PROPERTY REPORTS

RATES FROM 5.70% (6.06%^*)

NAB Business Options Loan

An easy to understand medium to long term business loan up to $1 million, ideal for growing your business.

Category: Business Loans Last Updated March 27, 2026 Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information Customer margin may apply

Interest Rate
7.60% PA

Comparison Rate
0.00%PA*

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 Variations

Product rates and conditions will vary based on the LVR and other conditions.

7.60% (0.00%*), FROM $20000, $20000.00 - $ IO

Lending Rate Type: Variable
Interest Rate: 7.60%, Comparison Rate 0.00%
Repayment Type: Interest Only
Loan Purpose:

7.60% (0.00%*), FROM $20000, $20000.00 - $ OO IO

Lending Rate Type: Variable
Interest Rate: 7.60%, Comparison Rate 0.00%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

7.60% (0.00%*), FROM $20000, $20000.00 - $ OO P&I

Lending Rate Type: Variable
Interest Rate: 7.60%, Comparison Rate 0.00%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

Digital Banking Additional Information: Once registered for access, Customers are able to view and manage this product in the NAB internet banking platform

Extra Repayments Additional Information: regardless of BOL variant (NBL, NBC, NBR), customers are able to make extra payments into the Business Options Loan account only when the facility has a variable interest rate. If an existing Business Options Loan facility has a fixed rate and customers choose to make extra payments into the loan during a fixed rate period they will be charged for economic costs

Guarantor Additional Information: A guarantor(s) can be nominated during origination prcoess regardless of the BOL variant applied for. Bankers must refer to credit policy https://nabcts.sharepoint.com/sites/CreditPolicyHub/SitePages/Guarantees-to-Bank-Business-Lending-GUA201.aspx to determine the suitability of a guarantor and how to assess

Relationship Management Additional Information: Relationship management is available for eligible customers with a Business Options Loan facility. Customers must satisfy certain criteria (commercial lending, deposits & consumer lending) to qualify for relationship management.

Redraw Additional Information: The current redraw process for BOLs (All variants including NBL, NBC, NBR) is via banker assisted manual redraw process. The business lending products team is working on a change initiative to enable self service redraw for customers with BOLs via IB/NAB app which is aimed at Q1 FY26 delivery

Product Eligibility

Business Additional Information: Available wholly or predominantly for business purposes operating in Australia

Other Additional Information: Upon application other criteria may apply to the Business Loan

Bank Fees and Charges

Service Fee (Periodic), Amount: 30.00.

Application Fee (Upfront), Amount: 600.00. Additional Information: charged when the loan is first established (Calculated based on the initial loan amount borrowed)

Limitations & Restrictions (Constraints)

Min Limit of 20000.00 Additional Information: The ability to borrow from $20,000

Document Downloads

nab-business-lending-general-terms.pdf (275.1 KB)

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