Business Line of Credit

Flexible and accessible finance for your business, with the ability to draw on funds when you need them most. Enjoy multiple access methods and 24/7 visibility through internet and mobile banking.
Category: Business Loans  Last Updated April 29, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information Contact Regional Australia Bank for details interest rate details. Rates will vary based on the individual circumstances of each borrower.
Interest Rate
0.00% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Digital Banking Additional Information: Bank 24/7 wherever you are and whenever you want with RAB mobile and internet banking.
  • Free Txns Additional Information: 6 Free Over the Counter (Branch) transactions per month.
  • Npp Enabled Additional Information: This account can be used to send an NPP payment.
  • Unlimited Txns Additional Information: ATM, Internet, Mobile & Phone Banking transactions. No withdrawal fees at Regional Australia Bank ATMs. Transactions at other financial institutions’ ATMs may incur a fee.
  • Notifications Additional Information: Track payments with SMS and email alerts.
  • Bill Payment Additional Information: Automatic payments can be scheduled to pay your bills and/or split your pay into designated savings accounts.
  • Npp Payid Additional Information: This account can be used as the target of an NPP PayID.
  • Other Additional Information: Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.

 Product Eligibility

  • Other Additional Information: Minimum Deposit of 40% is required for mortgages secured by rural property.
  • Other Additional Information: Minimum Deposit of 35% is required for mortgages secured by commercial property.
  • Other Additional Information: Minimum Deposit of 20% is required for mortgages secured by residential property.
  • Other Additional Information: Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
  • Business Additional Information: This product is not available to non-business customers.
  • Other Additional Information: As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.
  • Other Additional Information: Unsecured commercial overdraft also available.

 Bank Fees and Charges

  • Commercial Fees & Charges Apply (Variable), Amount: Not Listed.. Additional Information: Contact our Commercial Lending Team for details

 Limitations & Restrictions (Constraints)

  • Min Limit of 500.00 Additional Information: A minimum overdraft amount of $500 applies to this product.