Commercial Rate Loan
Fund your next project with access to a flexible commercial property loan{sub-heading}
At a glance
Why choose our Commercial Rate Loan{yellow-border}
Whether you are looking to buy a new business, grow your business or to expand your operations, our Commercial Rate Loan can help with your business financing needs{sub-heading}
Minimum loan amount of $500,000
Our Commercial Rate Loan is designed for property development, property investment or business acquisitions purposes.
Loan security options
Accepted security includes residential property, commercial property, business assets, directors' guarantee, fixed and floating company charge.
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
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 {yellow-border}
Loan terms
Interest payment options
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.
Fees{yellow-border}
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.
A full list of fees can be found in our Fees and Charges Guide below.
Important information{yellow-border}
For important information on our Commercial Rate Loan, view the Terms and Conditions below.
Business Lending Facility General Conditions
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Business Lending Supplementary Terms and Conditions
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Business Banking Guide to Fees and Charges
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Handy Tools{yellow-border}
Loan Repayment Calculator
Find out what your loan repayments will be based on your loan term
Ready to apply?{yellow-border}
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.
You might also be interested in:
Business Term Loan
Tailored business financing, designed to expand your service
At BOQ, we make it our business to understand yours. If you’re looking to expand your business, we’re the kind of bank to make it happen.
- Loan-to-Value Ratio up to 90%*
- Loan terms up to 30 years*
- Redraw facility available on variable interest rate loans (subject to conditions)
Business Overdraft
Manage your cashflow and cover expenses
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