St. George Bank
Bank Bill Business Loan
Our most flexible loan for businesses looking to borrow more than $250,000 for acquisitions, capital investment or refinancing.
Business loansBank updated 13 Aug 2026
At a glance
- Pricing
- Rates on application
- Loan size
- $250,000 to no maximum
- Monthly fee
- $40
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Break Cost fee | Event | Varies | — | Break costs may be incurred when - Changes are made to the repayment type, or the borrower makes repayments in excess of any scheduled repayment arrangements during a fixed interest rate period, even… |
| Valuation Costs - Commercial Property | Event | Varies | — | Commercial valuation report costs will vary between each panel valuer firm. Commercial Property Valuation Panel Firms are to be contacted for quotes for commercial property valuation reports. |
| Valuation Costs - Residential Property | Event | Varies | — | Standard residential valuation costs for business bank are not passed onto the customer. Commercial valuation report costs will vary between each panel valuer firm. Panel firms are to be contacted fo… |
| Discharge Fee | Exit | $350 | — | Payable when we agree to discharge a security linked to the facility. Payable per LTO security. |
| Line Fee | Periodic | Varies | Every 1 mo | Negotiable % p.a. This fee is calculated daily from the date of first drawdown. It is Payable in arrears on the last business day of each repayment period and depends on the facility limit. |
| Loan Service Fee | Periodic | $40 | Every 1 mo | This fee is payable in line with the Repayment Period (i.e. monthly, quarterly, or half-yearly) and is debited from customer's nominated account (For example if quarterly repayments the fee would be… |
| Lending Establishment Fee | Upfront | Varies | — | 0.6% of the facility limit / min $600 |
§ 03 — Features
RedrawExtra repaymentsDigital bankingRelationship manager
- · Market linked pricing, with simple interest in arrears calculation
- · Short or long term funding aligned to the life of the underlying asset and/or to match customer cash flow
- · Variable or fixed rate options available
- · Flexible repayment options are available
- · Automatic rollovers
- · Variable Rate Facilities: Ability to make additional repayments without penalty
- · Fixed Rate Facilities : Provides interest rate certainty for the duration of the fixed interest term
- · Available repayment includes Interest Only, Interest only capitalised (Variable rates Only), Interest only in advance (Fixed rate loans only), Principal and interest with no residual, Principal and i…
- · Repayment Frequency : Payment periods can be set as: Monthly, Quarterly or Half-yearly
- · Supported by specialist relationship managers, locally based in metropolitan and regional centres throughout Australia
- · Interest rates linked to the bank bill swap rate
- · Rollover every 30, 60, 90, 120, 150, or 180 days
§ 04 — Eligibility & limits
- · Minimum age 18
- · Available to businesses
- · Amount $250,000 to no maximum
- · This product is applicable for commercial Banking Industry & Property customers
- · Applicants may be individuals, businesses, partnerships or trustees
- · A business entity or an individual 18 years and above, domiciled in Australia and require the funding wholly or predominantly for business purposes
- · Meets the credit criteria and credit policy requirements under an applicable offer for this product.
- · Minimum loan term 30 days and Maximum loan term is 30 years
§ 05 — Compare
§ 06 — Run the numbers
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Published by St.George Bank under the Consumer Data Right, last changed by them on 13 Aug 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.