Bank of us
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
Business loansBank updated 13 Apr 2026
At a glance
- Variable
- 6.99%
- Loan size
- $5,000 to $100,000
- Upfront fee
- $450
- Monthly fee
- $10
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe 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 addi… | Investment · P&I | — | — | 6.99% | — | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ARREARS_FEE | Event | $40 | — | 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. |
| CHEQUE_DISHONOUR_(INWARD)_FEE | Event | $12 | — | 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 | $5 | — | Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request. |
| EVIDENCE_RETRIEVAL_FEE | Event | $20 | — | 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 t… |
| INSURANCE_COLLECTION_FEE | Event | $40 | — | Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf. |
| SPECIAL_ATTENDANCE_FEE | Event | $300 | — | 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 charge… |
| MONTHLY_SERVICE_FEE | Periodic | $10 | Every 1 mo | 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. |
| SMALL_BUSINESS_LOAN_APPLICATION_FEE | Upfront | $450 | — | — |
§ 03 — Features
RedrawExtra repaymentsGuarantor optionDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
- · Available to businesses
- · Amount $5,000 to $100,000
§ 06 — Run the numbers
Put this product through a calculator
Published by Bank of us under the Consumer Data Right, last changed by them on 13 Apr 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.