The Finance Algorithm

Business loans

Published business lending rates and fees. Most are priced on application.

430 business loans from 119 banks and lenders, read every night from what each one publishes under the Consumer Data Right.

Business banking rates gathers overdrafts, loans, savings, term deposits and cards for businesses, with each institution's best and the median.

Go to every business loan

Every institution's best rate, today

As published on 7 November 2026
Big four: Westpac 8.16%, NAB 8.10%Everyone else, 47 in all

Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.

What are the lowest business loan rates today?

As of 7 November 2026, the lowest business loan rate is 6.33%, from SCCU's BUSINESS LOAN, while the typical best across 47 institutions is 7.89%.

Each institution counts once, at its best product anyone can apply for, so the typical figure is the middle one: half do better, half worse. Pick a rate to see every product behind it.

RateBest anywhereTypical institution
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

Business loans, lowest rate first

As of 7 November 2026, the lowest advertised business loan rate open to anyone is 5.10% fixed, from Central Murray Credit Union Limited's SMSF LOAN, with a comparison rate of 6.82%. 3 other business loans offer the same rate.

ProductRatelowest firstLoan sizeUpfront feeOngoing fee
Central Murray Credit Union Limited SMSF LOAN 5.10%fixed6.82% comparison---
Central Murray Credit Union Limited SMSF LOAN 5.10%variable7.30% comparison---
Central Murray Credit Union Limited SMSF LOAN 5.10%fixed for 1 year6.82% comparison---
Central Murray Credit Union Limited SMSF LOAN 5.10%variable6.82% comparison---
Police Credit Union Limited Commercial Vehicle Fixed Loan 6.49%fixed for 7 years-$295-
Queensland Country Bank Specialised Fixed 6.49%fixed for 1 yearFrom $10,000$50$450 a year
Queensland Country Bank Specialised Variable 6.49%variableFrom $10,000$50$450 a year
Queensland Country Bank Specialised Variable I.O. 6.49%variableFrom $10,000$50$450 a year
SCCU BUSINESS LOAN 6.54%fixed for 1 yearAlso 6.33% variable---
Coastline Business Interest Fixed 6.59%fixed for 3 years-$5-
Queensland Country Bank Specialised Fixed I.O. 6.69%fixed for 1 yearFrom $10,000$50$450 a year
Queensland Country Bank Commercial Loan - Secured 6.74%variableFrom $10,000$150$5 a month
Great Southern Bank Business+ Business+ Vehicle Loan 6.79%fixed for 3 years$10,000 to $250,000$595$8 a month
Police Credit Union Limited 1yr fixed Secured Commercial Term Loan 6.80%fixed for 1 year-$500-
The Mutual Bank Business Mortgage Loan 6.84%fixed for 1 yearAlso 7.24% variableFrom $200,000--
Police Credit Union Limited 2yr fixed Secured Commercial Term Loan 6.95%fixed for 2 years-$500-
Australian Mutual Bank Variable Interest Only Commercial Lending 6.99%variable$1,000 to $10,000,000$250-
Bank of us Small, Small Bus Loan 6.99%variable$5,000 to $100,000$450$10 a month
IMB Bank Fully Drawn Commercial Loan 6.99%fixed for 1 yearAlso 6.94% variable$20,000 to $5,000,000-$30 a month
Latitude Personal and Motor Loans Latitude Commercial Asset Loan 6.99%fixed for 1 year8.82% comparisonFrom $10,000-$16.50 a month
Beyond Bank Australia Business Loan 7.04%fixed for 7 years8.05% comparison$5,000 to $140,000$35-
Police Credit Union Limited 3yr fixed Secured Commercial Term Loan 7.10%fixed for 3 years-$500-
Beyond Bank Australia Business Investment Loan 7.14%fixed for 2 yearsAlso 6.94% variable$10,000 to $2,000,000$595-
Greater Bank Business Term Loan - Fixed 3 Year secured by Residential Property 7.19%fixed for 3 yearsFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 1 Year secured by Residential Property 7.24%fixed for 1 yearFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 2 Year secured by Residential Property 7.24%fixed for 2 yearsFrom $1,000$180$15 a month
Police Credit Union Limited 4yr fixed Secured Commercial Term Loan 7.25%fixed for 4 years-$500-
Police Credit Union Limited 5yr fixed Secured Commercial Term Loan 7.25%fixed for 4 years-$500-
Cairns bank Commercial Loan 7.29%fixed for 2 yearsFrom $5,000--
Greater Bank Business Term Loan - Fixed 3 Year Interest Only secured by Residential Property 7.29%fixed for 3 yearsFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 1 Year Interest Only secured by Residential Property 7.34%fixed for 1 yearFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 2 Year Interest Only secured by Residential Property 7.34%fixed for 2 yearsFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 4 Year secured by Residential Property 7.34%fixed for 4 yearsFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 5 Year secured by Residential Property 7.34%fixed for 5 yearsFrom $1,000$180$15 a month
Liberty Financial Residential SMSF loan 7.35%variable7.75% comparison$100,000 to $10,000,000$0-
A-Auswide Bank BUSINESS TERM LOAN 7.39%fixed for 1 yearAlso 8.98% variable--$20 a month
Central West Credit Union Ltd Business Car Loan - New Vehicle 7.40%variable7.82% comparison-$150-
Greater Bank Business Term Loan - Fixed 4 Year Interest Only secured by Residential Property 7.44%fixed for 4 yearsFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 5 Year Interest Only secured by Residential Property 7.44%fixed for 5 yearsFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 3 Year secured by Commercial Property 7.49%fixed for 3 yearsFrom $1,000$180$15 a month
Great Southern Bank Commercial 1 Year Fixed - Residentially Secured IO 7.50%fixed for 1 year$20,000 to $5,000,000$750-
Great Southern Bank Commercial 1 year fixed - Residentially Secured P&I 7.50%fixed for 1 year$20,000 to $5,000,000$750-
Great Southern Bank Commercial Variable - Residentially Secured IO 7.50%variable$20,000 to $5,000,000$750-
Great Southern Bank Commercial Variable - Residentially Secured P&I 7.50%variable$20,000 to $5,000,000$750-
Greater Bank Business Term Loan - Fixed 1 Year secured by Commercial Property 7.54%fixed for 1 yearFrom $1,000$180$15 a month
Greater Bank Business Term Loan - Fixed 2 Year secured by Commercial Property 7.54%fixed for 2 yearsFrom $1,000$180$15 a month
Resimac Asset Finance Commercial Motor Vehicle Finance 7.54%fixed for 7 years$5,000 to $450,000-$4.95 a month
Summerland Business Loan 7.54%fixed for 1 yearAlso 8.84% variableFrom $30,000$800$8 a month
Australian Mutual Bank Fixed Principal & Interest Commercial Lending 7.59%fixed for 1 year$1,000 to $10,000,000$250-
Greater Bank Business Term Loan - Fixed 3 Year Interest Only secured by Commercial Property 7.59%fixed for 3 yearsFrom $1,000$180$15 a month

341 of 430 business loans match these filters. 89 with restricted eligibility (staff, profession, age, green or business-only) are hidden.

Published by each institution under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.