Business Interest Rates
Interest rates are determined by your individual business circumstances and therefore we do not publish a single lending rate. Your Business Banking Manager will take into consideration your needs and circumstances and provide you with competitive rate options.
Business Essentials Term Loan Special Offer*^
Interest Rates effective 30 May 2025.
* The Business Essentials Term Loan Special Offer applies to new eligible business loan applications from $20,000 to $5,000,000 from 30 May 2025 and is subject to change without notice. The offer, includes a discount of 2.20% p.a. off the Small Business Basic Mortgage Rate (currently advertised at 8.44%p.a.), and the advertised interest rate is based on residential security up to 80% Loan to Value Ratio. For variable loans secured by commercial property, an additional margin of 0.50% p.a. margin for commercial security will be applied to the Small Business Basic Mortgage Rate. For new loan applications received on or before 30 June 2025, and settled by 29 August 2025. Internal refinances excluded.
For fixed rates, speak to a Banker on 13 11 75 or your Business Development Manager. The fixed interest rate and/ or Small Business Basic Mortgage Rate interest rate offered by Suncorp Bank on the date of settlement will apply unless the interest rate is secured by paying a Guaranteed Rate Fee (Fixed Rate loans only). Offer is available for loan amounts up to $5,000,000 total business lending with Suncorp Bank and may be withdrawn at any time before a contract is entered into. An Early Payment Interest Adjustment is charged if: (i) the loan is paid out within a fixed rate period, (ii) monthly repayment exceeds the agreed maximum monthly repayment amount or (iii) the fixed rate period is varied or broken.
Advertised interest rates do not apply to loans regulated by the National Credit Code.
^ From 1 July 2024, Establishment fees of $1,000 (new term loans from $20,000 to < $1,000,000), or 0.25% of the facility limit (new term loans from $1,000,000 up to and including $5,000,000) are applicable. The applicable rate will be the rate advertised on the date of settlement of the loan. Lending secured by residential property with an LVR of over 100%, and lending secured by commercial property with an LVR of over 80% may be considered subject to Suncorp Bank's lending criteria. This offer may be withdrawn at any time before a contract is entered into. Minimum application requirements apply including satisfactory residential or commercial security and provision up to 2 years’ financial statements and tax returns for all applicants and guarantors and subject to credit approval. Pre-approvals excluded.
* The Business Essentials Term Loan Special Offer applies to new eligible business loan applications from $20,000 to $5,000,000 from 30 May 2025 and is subject to change without notice. The offer, includes a discount of 2.20% p.a. off the Small Business Basic Mortgage Rate (currently advertised at 8.44%p.a.), and the advertised interest rate is based on residential security up to 80% Loan to Value Ratio. For variable loans secured by commercial property, an additional margin of 0.50% p.a. margin for commercial security will be applied to the Small Business Basic Mortgage Rate. For new loan applications received on or before 30 June 2025, and settled by 29 August 2025. Internal refinances excluded.
For fixed rates, speak to a Banker on 13 11 75 or your Business Development Manager. The fixed interest rate and/ or Small Business Basic Mortgage Rate interest rate offered by Suncorp Bank on the date of settlement will apply unless the interest rate is secured by paying a Guaranteed Rate Fee (Fixed Rate loans only). Offer is available for loan amounts up to $5,000,000 total business lending with Suncorp Bank and may be withdrawn at any time before a contract is entered into. An Early Payment Interest Adjustment is charged if: (i) the loan is paid out within a fixed rate period, (ii) monthly repayment exceeds the agreed maximum monthly repayment amount or (iii) the fixed rate period is varied or broken.
Advertised interest rates do not apply to loans regulated by the National Credit Code.
^ From 1 July 2024, Establishment fees of $1,000 (new term loans from $20,000 to < $1,000,000), or 0.25% of the facility limit (new term loans from $1,000,000 up to and including $5,000,000) are applicable. The applicable rate will be the rate advertised on the date of settlement of the loan. Lending secured by residential property with an LVR of over 100%, and lending secured by commercial property with an LVR of over 80% may be considered subject to Suncorp Bank's lending criteria. This offer may be withdrawn at any time before a contract is entered into. Minimum application requirements apply including satisfactory residential or commercial security and provision up to 2 years’ financial statements and tax returns for all applicants and guarantors and subject to credit approval. Pre-approvals excluded.
Business Line of Credit & Overdraft-Standard Rates
Interest Rates effective 30 May 2025.
An additional margin or discount may apply depending on your circumstances. The above facilities are available to approved applicants only. Terms, conditions, fees and charges apply and are available on request. Rates are subject to change.
An additional margin or discount may apply depending on your circumstances. The above facilities are available to approved applicants only. Terms, conditions, fees and charges apply and are available on request. Rates are subject to change.
Business Lending Reference Rates - Existing Loans
Interest Rates effective 30 May 2025.
See your Letter of Offer/ Credit Contract for details as to the Reference Rate and any margin which applies to your existing Letter of Offer/ Credit Contract.
See your Letter of Offer/ Credit Contract for details as to the Reference Rate and any margin which applies to your existing Letter of Offer/ Credit Contract.
