We get what it takes to open your new business 

Opening a small business is a big deal. It can seem daunting, but it's also one of the most exciting things you can do.

As one of the few banks in Australia with branches run by small business owners, we've been there too. With our practical know-how and experience in small business banking, you can rely on us to help your new business get up and running successfully.

Our small business banking solutions:

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

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

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 when you meet Bonus Criteria
  • Simply deposit $5,000 or more and do 5 or more eligible transactions on your linked Everyday Business Account
  • No minimum balance required

Small business loans and finance

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

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