Beyond Bank Australia
Business Investment Loan
The Business Investment Loan gives you the freedom to grow your business and take advantage of investment opportunities when they arise whilst offering a competitive flexible interest rate with convenient access to your funds.
Business loansBank updated 23 Sept 2026
At a glance
- Fixed
- 6.84%
- Variable
- 6.69%
- Loan size
- $10,000 to $2,000,000
- Upfront fee
- $1,355
§ 01 — Rates · 14
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedBusiness Investment Loan with residential property security. Conditions apply. | Investment · P&I | 1 yr fixed | — | 6.84% | — | — |
| FixedBusiness Investment Loan with commercial property security. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received. | Investment · P&I | 1 yr fixed | — | 7.64% | — | — |
| FixedBusiness Investment Loan with residential property security. Conditions apply. | Investment · P&I | 2 yrs fixed | — | 6.94% | — | — |
| FixedBusiness Investment Loan with commercial property security. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received. | Investment · P&I | 2 yrs fixed | — | 7.74% | — | — |
| FixedBusiness Investment Loan with residential property security. Conditions apply. | Investment · P&I | 3 yrs fixed | — | 7.14% | — | — |
| FixedBusiness Investment Loan with commercial property security. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received. | Investment · P&I | 3 yrs fixed | — | 7.94% | — | — |
| FixedBusiness Investment Loan with residential property security. Conditions apply. | Investment · P&I | 4 yrs fixed | — | 7.34% | — | — |
| FixedBusiness Investment Loan with commercial property security. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received. | Investment · P&I | 4 yrs fixed | — | 8.14% | — | — |
| FixedBusiness Investment Loan with residential property security. Conditions apply. | Investment · P&I | 5 yrs fixed | — | 7.34% | — | — |
| FixedBusiness Investment Loan with commercial property security. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received. | Investment · P&I | 5 yrs fixed | — | 8.14% | — | — |
| VariableBusiness Investment Loan. New business variable rate with residential property security. Conditions apply. | Investment · P&I | — | — | 6.69% | — | — |
| VariableBusiness Investment Loan. New business variable rate with commercial property security. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received. | Investment · P&I | — | — | 7.49% | — | — |
| VariableBusiness Investment Loan with commercial property security. Variable Reference Rate. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received. | Investment · P&I | — | — | 8.19% | — | — |
| VariableBusiness Investment Loan with residential property security. Variable Reference Rate. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received. | Investment · P&I | — | — | 8.19% | — | — |
§ 02 — Fees · 15
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Default fee on Business Investment Loan - every 14th day thereafter | Event | $25 | — | This fee is payable every 14th day thereafter whilst you remain in default. |
| Default fee on Business Investment Loan - on the 8th day | Event | $20 | — | This fee is payable on the 8th day you are in default. |
| Default Notice Fee | Event | $20 | — | This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage. |
| Mortgage Discharge, Settlement or Partial Discharge Fee | Event | $350 | — | Payable whenever a mortgage is discharged or partially discharged |
| Progress Payment Fee | Event | $35 | — | This fee is payable for each progress payment we process for construction loans. |
| Rate Variation Fee | Event | $150 | — | This fee is payable each time you ask us to vary the type of interest rate (variable to fixed or vice versa) or refix your loan. |
| Redraw (online) fee | Transaction | No fee | — | Online redraw via Internet or Mobile Banking is free. |
| Redraw (staff-assisted) fee | Transaction | $35 | — | This fee is payable for each staff-assisted redraw. |
| Additional Security Fee | Upfront | $200 | — | This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property |
| Business Loan Establishment Fee | Upfront | $595 | — | Applies to residential mortgage security and maximum borrowings of $500,000. Fees & Charges for borrowings above $500,000 (or where commercial mortgage security is required) are available on request. |
| Hold Fixed Interest Rate | Upfront | 0.15% of balance | — | The amount of this fee is 0.15% of the loan amount and is payable should you wish to hold a fixed interest rate from time of loan application to settlement. The minimum and maximum amounts are intend… |
| Loan Settlement Fee (a) | Upfront | $200 | — | This fee is payable for a new loan settled |
| Loan Settlement Fee (b) | Upfront | $150 | — | This fee is payable for each loan variation or top up settled. |
| Search Fee | Upfront | $35 | — | This fee is payable for each search conducted in relation to a loan or security including ASIC search or Title search. |
| Security Handling Fee | Upfront | $175 | — | This fee is payable if you ask us to prepare documentation to note a change of your name on the title, or produce your land title. |
§ 03 — Features
RedrawExtra repaymentsDigital banking
- · Repayments: Choose between principal and interest or interest only repayments.
§ 04 — Eligibility & limits
- · Residency: Australian Citizen
- · Available to businesses
- · Amount $10,000 to $2,000,000
- · Maximum LVR 80%
- · Membership: You must be or become a Beyond Bank Australia member
- · Lending Criteria applies.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 23 Sept 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.