Revolving Line of Credit

Redrawable short to medium term working capital for business activities.
Category: Business Loans  Last Updated May 1, 2026  Effective June 3, 2026

 General Lending Rates

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 Product Features

  • Extra Repayments
  • Bill Payment
  • Other Additional Information: Maximum Loan terms of 5 years.
  • Other Additional Information: Sub-accounts available. Set up multiple sub accounts to draw down on the overarching facility limit. All sub-accounts are required to be on the same interest rate and repayment type. All sub-accounts must have the same loan purpose as the overarching facility.
  • Other Additional Information: Flexible repayment structures Interest Only and Fixed Principal + Interest repayment types available. Maximum Interest Only loan term of 5 years, subject to credit approval. Fixed Principal + Interest: Repayments made up of a set principal repayment amount plus interest accrued eg. Monthly repayment of $2,000 off the principal plus interest accrued for that month.
  • Other Additional Information: Loan Collateral Property, Business assets
  • Other Additional Information: LVR - Business Assets LVR vary by Industry. Dependent on amortisation and asset profile. Subject to lending criteria.
  • Redraw Additional Information: Redraw of funds is available.
  • Unlimited Txns Additional Information: Unlimited transactions permitted, up to the specified limit.
  • Relationship Management
  • Fraud Protection Additional Information: Safe and secure - Macquarie Authenticator adds an extra layer of customisable security to your banking
  • Digital Banking Additional Information: Manage Banking Online
  • Guarantor

 Product Eligibility

  • Business
  • Min Age - 18.
  • Other Additional Information: Borrowers: Company, Partnership, Trust

 Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: Not Listed.. Additional Information: Corporate Borrowers: ≤$3m up to 0.50% of limit. >$3m available (& negotiable) on application
  • Line Fee Or Unused Limit Fees (Periodic), Amount: Not Listed.. Additional Information: Line fee or unused limit fees may apply and are available on application.
  • Registration, Government Transaction Charges & Third Party Fees (Event), Amount: Not Listed.. Additional Information: Registration, Government Transaction charges & third party fees may apply.

 Limitations & Restrictions (Constraints)

  • Min Limit of 1000000.00 Additional Information: Target loan size is $1,000,000 and above.
  • Max Lvr of 0.80 Additional Information: Applies to Residential Property. Property Security LVR is dependent on location and value of Security. Loans to medical professionals with a fellowship from an Australian Medical College or healthcare businesses meeting our Health Goodwill Guidelines can receive up to an additional 10% LVR if the lending is against the residential property (excluding 'retail' borrower investments. A 'retail' borrower includes an investor in residential property that is an individual regulated under NCCP or is a company that is not a trading business or has less than 4 properties). Lending criteria apply.
  • Max Lvr of 0.70 Additional Information: Applies to Commercial Property. Dependent on location and value of Security. Loans to medical professionals with a fellowship from an Australian Medical College or healthcare businesses meeting our Health Goodwill Guidelines can receive up to an additional 10% LVR if the lending is against the commercial owner-occupied property. Lending criteria apply.

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