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What can a business loan for startups be used for?

Buy more equipment
From computers and stationery to larger industry-specific equipment. Get the equipment you need. 
Set up your workspace
Whether you’re setting up a home office or leasing a retail space, we’re here to help get you up and running.
Market your startup
Attract more customers with social media marketing and build a website to grow your sales.
Tech improvements
Get set up with quality software systems so you can save time and run your business efficiently. 

Business loan for startups

  • Borrow between $10k and $50k 

  • No asset security needed1 

  • Monthly fee $02

  • Loan terms of up to 5 years

  • Flexible repayment options

Check you’re eligible

You’ll need 

  • To own a business that has operated for less than 2 years 
  • To submit a business plan as part of the application


  • A business entity or an individual 18 years and above, domiciled in Australia; and
  • Requires the funding for business or investment purposes other than investment in residential property; and
  • Meets the credit criteria and credit policy requirements under an applicable offer for this product.

Build your business plan

Write your business plan and remember to include:

  • What your business does 
  • Your target market 
  • Forecasted profit and loss or projected cashflow 
  • Your market competitors
  • Long-term business outlook
  • Any relevant industry experience and skills

How to apply

1. Select your loan amount and define its purpose 

Decide how much you need and exactly what you will use the funds for 


2. Get started with your business plan and prepare your documents 

Ensure you are eligible. Gather all your relevant documentation and then create your business plan


3. Speak to a banker 

Once you are ready speak to one of our bankers. They will guide you through the application process.


Apply by calling 13 82 66

Backing more businesses 

It's time to level the playing field. Women now represent 36% of small business owners*. We have made a $500 million commitment to back women to start-up and scale-up their business.

Apply by calling 13 82 66

Frequently asked questions 

New or existing customers can apply for the business loan for startups. 

The Detail

Terms & Conditions, Fees & Charges and Eligibility Criteria will apply.  

*According to the Organisation for Economic Co-operation and Development (OECD), women represent around 36 per cent of Australian small businesses owners. 

1. Guarantees may be required. 

2. Other fees & charges may apply.