Banking solutions for managing your business

Many BOQ Owner-Managers have been managing their own small businesses for years, so we understand the day-to-day challenges you face.

Whether it's cash flow keeping you up at night or you're struggling to track your transactions, we're here to help ease the burden.

Our small business banking solutions include business bank accounts, small business loans, business financing options and payment solutions to help you succeed.

Get in touch with our business banking managers who have real small business experience!

A full suite of business banking solutions for managing small businesses

Small business bank accounts

Our low fee business bank account

Everyday Business Account

Manage your transactions with ease - all for a low monthly fee.

  • Free branch, ATM and cheque deposits
  • Free Direct Debits and Direct Credits
  • Easy account access through ATM/EFTPOS, Internet and Mobile Banking

Grow your business transaction account

Business Management Account

Earn interest on monthly balances over $50,000 with our premium business transaction account.

  • Easy access in branch, EFTPOS, ATMs and Online Banking
  • Worldwide access with a Visa Debit Card
  • No account maintenance fee when you have an approved overdraft

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

ADDITIONAL 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 interest for 4 months as an introductory offer
  • No monthly account maintenance fees
  • Unlimited transfers

Small business loans and finance to update your business

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 3.99% p.a.
  • Redraw facility available on variable interest rate Business Term Loans

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

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

Flexible cash flow options to help you succeed

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

Merchant and payment solutions to get you started

Merchant Solutions

Accept card payments from your customers... anywhere, anytime.

  • Online
  • In store
  • Over the Phone
  • On the Go

Payment Solutions and Billing

Solutions for customer payments and the processing of large amounts of transactions.

  • BPAY Billing for easy collection
  • Direct Debit Facilities to get paid automatically
  • Direct Credit Facilities to assist with salary payments or large quantities

Small business insurance solutions

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

Protect your business and its assets

Business Insurance

Choose your own cover against fire, theft, accidents or public liability claims.

  • Tiered cover options
  • One package with a monthly premium
  • Fast and easy claims process