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Great Southern Bank Business+ Unsecured Loan

Unsecured fixed rate business loan of $20,000 to $50,000 over 1, 2 or 3 years, applied for online, for working capital, stock, equipment or ATO debts.

Business LoansWorking Capital FinanceTax & ATO Finance
Source dated 25 Sept 2026
Amount
$20K to $50K
Term
1 yr to 3 yrs
Rate
10.95% p.a. to 20.95% p.a. fixed
Security
Unsecured
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Product details

As published by Great Southern Bank. Details not published by the lender are marked.

Loan amount
$20K to $50K
Rate
10.95% p.a. to 20.95% p.a. fixedRates current as at 15 May 2026 and subject to change. The rate offered depends on your personal circumstances and credit history (rate schedule bands from Exceptional to Below Average).
Rate type
Fixed
Term
1 yr to 3 yrs
Security
Unsecured
Structure
Term loan
Fees
Establishment fee of $495 · Service fee of $20 per month
Early repayment
Early payout costs apply if the whole or part of the loan is repaid during a fixed rate period, calculated from movements in wholesale swap rates
Time trading
1+ year trading
Turnover
$75K+ annual turnover
Documents
ID, a recent tax return (within the last 18 months) and details of business liabilities
Guarantees
If the business is a company, all directors must provide a guarantee
Funding time
Paid into your Business+ Account within one minute of signing
Restrictions
Sole traders and companies owned by individuals only; not available to companies owned by another company, partnerships, trusts, self-managed super funds or tax residents outside Australia; must have an ABN; applicants 18+ and Australian residents
How to apply
Direct with the lender, or through us
Not published by Great Southern Bank
repayment frequency
Suitable purposes
Cash flowStockEquipmentTax debtRefinance

About Business+ Unsecured Loan

Great Southern Bank publishes these details for Business+ Unsecured Loan: structure term loan; loan amount $20K to $50K; term 1 yr to 3 yrs; security unsecured; time trading 1+ year trading; turnover $75K+ annual turnover. Not published by Great Southern Bank for this product: maximum LVR. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Great Southern Bank products

  • Business+ Unsecured Overdraft: Structure is term loan here and overdraft for Business+ Unsecured Overdraft; loan amount is $20K to $50K here and $10K to $50K for Business+ Unsecured Overdraft; Great Southern Bank publishes term (1 yr to 3 yrs) for this product but not for Business+ Unsecured Overdraft; documentation is iD, a recent tax return (within the last 18 months) and details of business liabilities here and iD, most recent tax return (within 18 months), business income and expense details and the two most recent BAS for Business+ Unsecured Overdraft.
  • Business+ Vehicle Loan: Structure is term loan here and vehicle loan for Business+ Vehicle Loan; loan amount is $20K to $50K here and $10K to $250K for Business+ Vehicle Loan; term is 1 yr to 3 yrs here and 1 yr to 7 yrs for Business+ Vehicle Loan; security is unsecured here and asset-backed for Business+ Vehicle Loan.
  • Secured Business Loan: Loan amount is $20K to $50K here and $20K to $5M for Secured Business Loan; Great Southern Bank publishes term (1 yr to 3 yrs) for this product but not for Secured Business Loan; security is unsecured here and secured for Secured Business Loan; Great Southern Bank publishes time trading (1+ year trading) for this product but not for Secured Business Loan.

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