The Finance Algorithm
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Commercial Loan

Business loans for values-aligned businesses

Business loansBank updated 28 Oct 2026

At a glance

Pricing
Rates on application
Monthly fee
$25

Fees

12 fees published, grouped by when they're charged.

While you hold it2

  • Overdraft Administration Fee

    Charged annually

    $50 a year
  • Secured overdraft fee

    Charged monthly

    $25 a month

When particular things happen1

  • Mortgage Discharge Fee

    Payable when you discharge the mortgage. Statutory government registration fees will still apply.

    $275

Other fees9

  • Bank guarantee facility

    Annual fee of 1.5% of the guarantee amount.

    From $0
  • Establishment Fee

    An establishment fee will apply

    From $0
  • Line Fees

    A fee that may be charged for having the facility

    From $0
  • Progress Draw Fee

    A fee may apply per profressive draw down. Please contact Bank Australia for more information.

    From $0
  • Quantity Surveyor Fee

    Payable when a Quantity Surveyor is required.

    From $0
  • Secured commercial loans/overdrafts establishment fee

    The establishment fee is calculated as 0.5% (min $100) of the loan amount plus valuation fee and Bank Australia solicitor fees for preparing the security and loan documents.

    From $0
  • Solicitor Fee

    Certain applications for commercial credit require the use of a solicitor to facilitate. Additional fee's will apply and are payable to the solicitor used by Bank Australia. Please contact us for mor…

    From $0
  • Unsecured commercial loans/overdrafts establishment fee

    The establishment fee is calculated as 0.5% (min $100) of the loan amount

    From $0
  • Valuation Fee

    A valuation fee will apply. The fee's vary based on the property being valued.

    From $0

Features

None published.

Eligibility and limits

None published.

Published by Bank Australia under the Consumer Data Right, last changed by them on 28 Oct 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.