Growing a Small Business

Grow your business with our business banking solutions

Ready to take the next step and grow your business?

At BOQ, our Owner-Managers have years of experience growing their own businesses, therefore our banking solutions and experience can help you get there.

So if you're ready to take your small business to the next level, talk to your closest branch today.

A full suite of business banking solutions for growing businesses

Small business bank accounts

You can earn

2.20 ^{% P.A.^{^^}}

Including 1.7% Bonus Interest variable rate + 0.5% variable Base Rate¹⁵

BONUS INTEREST VARIABLE RATE FOR BALANCES UP TO $500,000

Business Performance Saver

Earn an ongoing, competitive interest rate on your business savings that rewards you for using your linked Everyday Business Account.

Earn ongoing Bonus Interest variable rate by making monthly deposits of $5,000 or more into your linked Everyday Business Account
No minimum account balance
Unlimited transfers to your linked Everyday Business Account

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Account keeping fees with $5,000 minimum balance

Our low fee business bank account

Everyday Business Account

Our Everyday Business Account is a low fee business transaction account that provides a flexible way to manage business finance and expenses.

Make business purchases worldwide wherever Visa is accepted with Business Visa Debit
Full account access via ATM/EFTPOS, Internet and Mobile Banking
Receive payments faster with a Merchant Facility through First Data

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You can earn

2.15 ^{% P.A.^{^^}}

Including 1.05% additional interest variable rate + 1.10% standard variable rate ¹⁴

ADDITIONAL VARIABLE INTEREST FOR 4 MONTHS ON BALANCES OVER $10,000

Business WebSavings Account

Make the most of your business savings with the flexibility of accessing your money anytime.

Earn additional variable interest for 4 months as an introductory offer
No monthly account maintenance fees
Unlimited transfers

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Maximise your import and export potential

International and Domestic Trade

From traditional trade products to tailored finance solutions, BOQ offers a range of trade finance solutions for your import and export business.

Manage payment and foreign exchange risk
Finance imports and exports
Establish a foreign currency account

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Small business loans and finance for updating your space or equipment

Variable loans from ¹

4.69 ^{% P.A.}

With residential security.

Flexible business financing to grow your business

Business Term Loan

Looking to buy a new business, grow your business or to expand your operations?
Our Business Term Loan can help with your business financing needs.

Choose variable or fixed loan
Fixed rates from 1-5 years available
Redraw facility available on variable interest rate Business Term Loans

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Finance your equipment without tying up your cashflow

Equipment and Vehicle Finance

Whether you want to lease your equipment, salary package your vehicle or you're looking for a short-term finance solution to grow your business, we can help with a full suite of funding options.

Spread your repayments over the life of the equipment
No capital outlay
Structure repayments to suit your cash flow

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Flexible Investment and Development Loan

Commercial Rate Loan

With a minimum loan amount of $500,000, our Commercial Rate Loan is designed for property development, property investment or business acquisitions purposes.

Suit your cashflow by choosing from four loan options
Progress draws available
Accepted security includes residential property, commercial property, business assets, directors' guarantee, fixed and floating company charge

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Flexible cash flow options to help you succeed

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

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Access an ongoing line of credit from $50,000

Business Line of Credit

Our Business Line of Credit loan offers convenience, flexibility and peace of mind. Whether you are expanding your business or you need to cover short term cash shortages, you can access additional funds when you need it, up to an approved limit.