When you want to expand your business, take up new opportunities, refinance or manage your cash flow, our business loan options can make it happen. Using your residential property, commercial premises or both as security, you can take advantage of a range of business loans and overdrafts to meet different business and investment goals. Get the freedom to take your business in the direction you want to go.
| A single package for business, personal and investment |
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| A line of credit to cater for all your investment needs |
- The Portfolio Loan combines all your borrowing into a single line of credit giving you unbeatable flexibility and simplicity. With one overall credit limit, you can divide your Portfolio Loan into different sub-accounts for your personal, investment and business borrowings.
- The Business Maximiser allows you to do your day-to-day transactions as well as borrow money for your business requirements from the same account. By using your residential property or cash as security, you will receive a competitive interest rate.
- The Commercial Line of Credit allows you to borrow money by using commercial property or combining this with residential property as security. This line of credit allows your balances to fluctuate within an approved limit, so you don't need to reapply for a new loan each time you want to take advantage of a new opportunity.
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| An overdraft to assist with day to day cash flow |
The Commercial Overdraft is an everyday transaction account with an approved credit limit that is designed to assist you with meeting your daily cash flow or short-term capital requirements for your business. Using your residential property, commercial premises or both as security, this overdraft allows for fully fluctuating balances within the approved limit. With the peace of mind of your overdraft, you are not solely dependent on your creditors' payments
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| Less paperwork and a simplified application process for those unable to document regular income |
- The Low Doc Loan may be the answer if you are self-employed or your income fluctuates and you find it difficult to provide the usual documents to apply for a loan. It's easy to apply for and you can use it like a home loan or a line of credit for your business, investment and personal purposes.
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| Get flexibility with a full range of features |
- The Standard Variable Rate Loan offers you complete flexibility with a full range of features. Using your residential property as security you get a competitive interest rate without being locked into the one rate for a set term. So you save when interest rates go down and when your business has strong cash flow.
- The Business/Commercial Loan Variable can be secured against residential property, commercial premises or both. These loans are specific purpose loans that are used to assist with capital expenditure. Both loans are designed to give you flexibility to make extra repayments and allow you to take advantage of any fall in the variable interest rate.
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| Budget for the future with confidence with a fixed rate loan |
- Secured by residential property, the Fixed Rate Loan offers you the security of a fixed loan repayment and protects you against interest rate rises. This loan has flexible payment options, such as being able to pay your interest in advance, which may have tax benefits for your business.
- The Business/Commercial Loan Fixed can be secured against residential property, commercial premises or both. These loans are specific purpose loans that are used to assist with capital expenditure and also give you the security of always knowing what your payments will be. Your budget planning is made easier because you can forecast your cash flow without the added risk of interest rate fluctuations.
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*All applications for credit are subject to St.George normal approval criteria.
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