Skip to content
The Business Loan Store
BOQ logo

BOQ Business Term Loan

Secured business term loan from $10,000 over 1 to 30 years, to buy a business, grow or expand operations, with weekly to monthly repayments.

Business LoansBusiness Acquisition Finance
Source dated 25 Sept 2026
Amount
From $10K
Term
1 yr to 30 yrs
Rate
11.02% to 12.02% p.a. + margin
Security
Secured
Enquire about this product

Product details

As published by BOQ. Details not published by the lender are marked.

Loan amount
From $10K
Rate
11.02% to 12.02% p.a. + marginBOQ business lending reference rates shown on 25 Sep 2026 (no as-at date published): Term Residential Security Base Rate 11.02% p.a., Term Other Security Base Rate 12.02% p.a. Priced from BOQ's published Business Term Loan base rates (residential security and other security) plus a customer margin. Variable or fixed; 1 to 5 year fixed base rates on request. A 0.20% margin applies above 80% LVR (residential) or 70% LVR (commercial).
Term
1 yr to 30 yrs
Security
Secured
Structure
Term loan
Fees
Application fee of 0.75% of the approved limit (minimum $750) · Monthly service fee of $25
Repayment frequency
Weekly, Fortnightly, Monthly
Early repayment
Redraw of extra repayments on variable rate loans; principal reductions of up to $10,000 every 12 months on fixed rate loans.
Restrictions
Interest-only for 1 to 5 years, or up to 10 years for eligible customers. Up to 90% LVR, subject to SME, security type and loan purpose eligibility criteria; the compare page also lists up to 80% (residential), 70% (commercial) and 60% (industrial). SME, security type and loan purpose eligibility criteria apply.
How to apply
Direct with the lender, or through us
Not published by BOQ
rate type, time trading, turnover, documents, guarantees, funding time
Suitable purposes
Buy a businessGrowth

About Business Term Loan

BOQ publishes these details for Business Term Loan: structure term loan; loan amount from $10K; term 1 yr to 30 yrs; security secured; suitable purposes buy a business, Growth. Not published by BOQ for this product: maximum LVR, time trading, turnover, documentation, funding time, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other BOQ products

  • Business Overdraft: Structure is term loan here and overdraft for Business Overdraft; BOQ publishes term (1 yr to 30 yrs) for this product but not for Business Overdraft; security is secured here and property-secured for Business Overdraft; suitable purposes is buy a business, Growth here and cash flow for Business Overdraft.
  • Commercial Hire Purchase: Structure is term loan here and hire purchase for Commercial Hire Purchase; loan amount is from $10K here and from $20K for Commercial Hire Purchase; term is 1 yr to 30 yrs here and 1 yr to 5 yrs for Commercial Hire Purchase; security is secured here and asset-backed for Commercial Hire Purchase.
  • Commercial Rate Loan: Loan amount is from $10K here and from $500K for Commercial Rate Loan; term is 1 yr to 30 yrs here and 1 yr to 5 yrs for Commercial Rate Loan; guarantees is published for Commercial Rate Loan (directors' guarantees are an accepted form of security.) but not for this product; suitable purposes is buy a business, Growth here and commercial property, Buy a business for Commercial Rate Loan.
  • Finance Lease: Structure is term loan here and finance lease for Finance Lease; loan amount is from $10K here and from $20K for Finance Lease; term is 1 yr to 30 yrs here and 1 yr to 5 yrs for Finance Lease; security is secured here and asset-backed for Finance Lease.

Want us to do the searching?

Tell us about your business. A business finance specialist can help you narrow down your options, saving you time and helping you avoid unnecessary applications.

Get matched

Getting matched does not involve a credit enquiry

More from BOQ

Business Overdraft

Variable rate business overdraft from $10,000, secured by residential or non-residential property, to manage cash flow and unexpected expenses.

Amount
From $10K
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
12.01% to 12.76% p.a. + margin
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for BOQ Business Overdraft

Commercial Hire Purchase

Fixed rate hire purchase from $20,000 over 1 to 5 years for business equipment and cars, with an optional balloon at the end.

Amount
From $20K
Term
1 yr to 5 yrs
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for BOQ Commercial Hire Purchase

Commercial Rate Loan

Commercial loan from $500,000 over 1 to 5 years for property investment or business acquisitions, secured by property, business assets or guarantees.

Amount
From $500K
Term
1 yr to 5 yrs
Security
Secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for BOQ Commercial Rate Loan

Finance Lease

Finance lease of $20,000 or more over 1 to 5 years for machinery, computers, cars and other business equipment, with 100% finance available.

Amount
From $20K
Term
1 yr to 5 yrs
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for BOQ Finance Lease

Similar products from other lenders

Invoice and trade financier

Moneytech Business Loan

Business loan from $25,000 to $500,000 over up to 36 months for cash flow, ATO debt, expansion, acquisitions and equipment, secured or unsecured.

Amount
$25K to $500K
Term
Up to 3 yrs
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
12+ months GST registration
Source dated 25 Sept 2026
Details for Moneytech Business Loan
Invoice and trade financier

Moneytech Secured Loan

Property secured business term loan from $100,000 to $2.5M on 1st or 2nd mortgages, for growth, refinance, acquisitions, stock and equipment.

Amount
$100K to $2.5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Moneytech Secured Loan
Customer-owned bank

Great Southern Bank Secured Business Loan

Secured business loan of $20,000 to $5M for buying a business or franchise, commercial property, equipment and fit outs or cash flow.

Amount
$20K to $5M
Term
Not published
Security
Secured
Rates and other criteria
Rate
7.25% to 7.75% p.a. variable
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Great Southern Bank Secured Business Loan
Bank

Suncorp Bank Commercial Term Loans

Secured term loan from $500,000 over 1 to 15 years for larger businesses, including specialised sectors such as management letting rights.

Amount
From $500K
Term
1 yr to 15 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Suncorp Bank Commercial Term Loans

Start typing to search finance types, lenders, products and guides.