CommBank
Temporary Excess Business
Access additional funds directly from your business transaction account, to manage your business cash flow or unexpected expenses.
At a glance
- Pricing
- Rates on application
- Variable
- 16.43%
- Loan size
- $2,000 to no maximum
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableExcess Drawing Interest Rate. Interest rate may vary depending on individual application circumstances. Rates and fees are subject to change. Fees, charges, T&Cs and eligibility criteria apply. | — | — | — | 16.43% | — | — |
| VariableExcess Debit Interest Rate. Interest rate may vary depending on individual application circumstances. Rates and fees are subject to change. Fees, charges, T&Cs and eligibility criteria apply. | — | — | — | 17.43% | — | — |
§ 02 — Fees · 4
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Overdrawing Approval Fee | Event | $15 | — | A fee charged when you exceed your agreed Business Temporary Excess limit on a given day. Additional interest may apply on overdrawn amounts above the temporary excess limit. |
| Overdraft Line Fee | Periodic | 1.70% of balance | Every 1 mo | An Overdraft Line Fee charged monthly on your Business Temporary Excess limit or outstanding balance, whichever is highest in that period. |
| Overdraft Line Fee | Periodic | 1.70% of balance | Every 3 mo | An Overdraft Line Fee charged quarterly on your Business Temporary Excess limit or outstanding balance, whichever is highest in that period. |
| Establishment Fee | Upfront | Varies | — | A one-off establishment fee when your Business Temporary Excess is applied to your account. Other fees and charges may apply. |
§ 03 — Features
Overdraft
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $2,000 to no maximum
- · You haven't been declared bankrupt in the last 5 years.
- · You haven't been overdrawn or had your account in arrears anytime in the past 3 months.
- · You haven't had any accounts in collections in the past 6 months.
§ 06 — Run the numbers
Put this product through a calculator
Published by CommBank 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.