At a glance

Loan terms and interest payment options
$ 500,000 
Minimum loan amount
$ 50 
Monthly service fee

Why choose our Commercial Rate Loan?

Our Commercial Rate Loan gives you access to competitive market interest rates where you can set your repayment term, choose between a variable or fixed interest rate, and your interest period.

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Minimum loan amount of $500,000

Our Commercial Rate Loan is designed for property development, property investment or business acquisitions purposes.

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Loan security options

Accepted security includes residential property, commercial property, business assets, directors' guarantee, fixed and floating company charge.

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Choose a loan that suits your cash flow and business requirements

  • Variable Commercial Rate Loan
  • Interest Capitalised Variable Commercial Rate Loan
  • Fixed Commercial Rate Loan
  • Interest Prepaid Commercial Rate Loan
scheduling calendar

Loan flexibility

Scheduled Principal Reductions, Progress Draw and Redraw are offered on Variable Commercial Rate Loans and Interest Capitalised Variable Commercial Rate Loans.

Interest rate terms 

Loan terms 

Interest rate options Loan terms
Variable 1, 2 and 3 months
Interest Capitalised Variable 1, 2 and 3 months
Fixed 1, 2, 3, 4 and 5 years
Interest Prepaid 1 year
Interest rate Interest rates are set daily for each facility type and each interest period.

Interest payment options

Interest payment options Loan terms
Variable 1, 2, and 3 months in arrears
Interest Capitalised Variable 1, 2 and 3 months in arrears
Fixed Monthly in arrears
Interest Prepaid Yearly in advance

For Variable Commercial Rate Loan and Interest Capitalised Variable Commercial Rate Loan the interest payment date must match the interest period option.

Interest rates for the Commercial Rate Loan are available at any BOQ branch.


At BOQ, we keep our fees to a minimum. Any fees we do have we’ll show you up front so there are no surprises.

Fee type Fee
Application Fee  0.75% of the approved limit applies (minimum $750).
Monthly Service Fee  $50.00 per month

A full list of fees can be found in our Fees and Charges Guide below.

Important information

Ready to apply?

Whether you’re ready to apply or you’d like to know more, one of our business specialists will be happy to help and provide more information.

Enquire now

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Free up your cash flow spent on insurance premiums

Insurance Premium Funding

Pay your annual insurance premiums through flexible repayments, allowing your working capital to stay in your business.

  • Easy monthly instalments
  • 6 to 12 month options
  • Release cash flow to invest back into your business

Manage your cashflow and cover expenses

Business Overdraft

You can't always predict when an unexpected expense will arise, or when you need to cover shortages in your cash flow. Our Business Overdraft gives you access to a minimum of $10,000, up to an approved limit.

  • Attach to your BOQ Business Transaction Account for access when you need it
  • Interest only charged on funds utilised
  • Access your overdraft via EFTPOS, online banking, direct debit, in branch or via cheque