Non-Mortgage Secured Commercial Loan

No matter the size or status of your business our dedicated Commercial Lending Team can tailor a business loan to meet your commercial finance needs.
Category: Business Loans  Last Updated April 30, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information Interest rates are available on request for this product. Rates will vary based on the circumstances of the borrower and the security being Rural, Commercial or Residential.
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

  • Other Additional Information: No monthly Access Fee on your Savings or Transaction accounts where the minimum monthly membership balance exceeds $5,000.
  • Other Additional Information: Split loans available

 Product Eligibility

  • 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.
  • Min Age - 16. Additional Information: Borrowers must be aged 16 or older to apply. Applicants under 18 years of age, but over 16 years, may only enter into a loan contract with an adult as co-applicant or guarantor.
  • Residency Status - Australian Registered Business. Additional Information: Businesses must be an Australian Registered Business.
  • Business Additional Information: This product is not available to non-business customers.
  • Other Additional Information: Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.

 Bank Fees and Charges

  • Commercial Loan Top Up Fee (Event), Amount: 200.00. Additional Information: Applies on approval of an additional borrowing for each commercial loan.
  • Agency Settlement/handing Fee (Variable), Amount: Not Listed.. Additional Information: Applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan.
  • Commerical Loan Application Fee($500-$100,000) (Upfront), Amount: 250.00. Additional Information: Applies on the approval of a Commercial Loan between the amount of $500 - $100,000
  • Default Notice Fee (Event), Amount: 30.00. Additional Information: Applies when you fail to make your contracted repayments and we are required to issue a default notice to you.
  • Commercial Loan Application Fee ($100,001+) (Upfront), Amount: Not Listed.. Additional Information: Applied on the approval of a Commercial Loan of an amount over $100,000
  • Pexa Processing Fee (Variable), Amount: Not Listed.. Additional Information: Applies when we process a settlement relating to your loan through PEXA.
  • Late Payment Notice Fee (Event), Amount: 20.00. Additional Information: Applies when you fail to make your contracted repayments by the repayment due date.

 Limitations & Restrictions (Constraints)

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