IMB Bank
Fully Drawn Commercial Loan
IMB’s Fully Drawn Commercial Loans are designed with flexibility to help you achieve your business goals, whether it’s to establish your business or grow your investments. IMB’s commercial loan options include fixed or variable interest rates or a combination of both.
Business loansBank updated 22 Sept 2026
At a glance
- Fixed
- 6.74%
- Variable
- 6.69%
- Loan size
- $20,000 to $5,000,000
- Monthly fee
- $30
§ 01 — Rates · 13
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1 year fixed rate - Residential Security | — | 1 yr fixed | — | 6.74% | — | — |
| Fixed1 year fixed rate - Commercial Security | — | 1 yr fixed | — | 7.24% | — | — |
| Fixed2 year fixed rate - Residential Security | — | 2 yrs fixed | — | 6.84% | — | — |
| Fixed2 year fixed rate - Commercial Security | — | 2 yrs fixed | — | 7.34% | — | — |
| Fixed3 year fixed rate - Residential Security | — | 3 yrs fixed | — | 6.84% | — | — |
| Fixed3 year fixed rate - Commercial Security | — | 3 yrs fixed | — | 7.34% | — | — |
| Fixed4 year fixed rate - Residential Security | — | 4 yrs fixed | — | 6.99% | — | — |
| Fixed4 year fixed rate - Commercial Security | — | 4 yrs fixed | — | 7.49% | — | — |
| Fixed5 year fixed rate - Residential Security | — | 5 yrs fixed | — | 6.99% | — | — |
| Fixed5 year fixed rate - Commercial Security | — | 5 yrs fixed | — | 7.49% | — | — |
| VariableResidential Security | — | — | 1–80% LVR | 6.69% | — | — |
| VariableCommercial Security | — | — | 1–80% LVR | 6.85% | — | — |
| VariableCommercial Security. No monthly fee. Available via third party and broker channels only. | — | — | 1–80% LVR | 6.95% | — | — |
§ 02 — Fees · 2
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Monthly Fee | Periodic | $30 | Every 1 mo | — |
| Application fee | Upfront | 0.50% of balance | — | Percentage of the facility limit |
§ 03 — Features
RedrawExtra repaymentsGuarantor optionInstant paymentsDigital bankingFraud protection
- · Direct Credit is available on this account type.
- · Receive only
- · Receive Electronic Funds Transfers (EFT) to this account type.
- · IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- · IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
- · Split loan available.
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $20,000 to $5,000,000
- · Maximum LVR 80%
- · Lending criteria, terms and conditions apply
§ 06 — Run the numbers
Put this product through a calculator
Published by IMB Bank under the Consumer Data Right, last changed by them on 22 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.