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.

Business Loans Business Acquisition Finance Commercial Property Finance

From lender's website, 25 Sept 2026

Amount: $20K to $5M
Term: Not published
Rate: 7.25% to 7.75% p.a. variable
Security: Secured

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Product details

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

Loan amount: $20K to $5M
Rate: 7.25% to 7.75% p.a. variable7.25% p.a. variable with residential security; 7.75% p.a. variable with commercial security only. Rates current as at 27 May 2026 and subject to change, for principal and interest and interest only loans, for approved business applicants for commercial purposes only. Fixed rates for 1, 2, 3 and 5 years: 7.09% to 7.39% p.a. (residential security), 7.59% to 7.89% p.a. (commercial security only).
Rate type: Variable or fixed
Term: Not published
Security: Secured
Structure: Term loan
Fees: Loan establishment fee of $750 · Securities administration fee of $235 · No account keeping fee · No redraw fee
Repayment frequency: Not published
Early repayment: Unlimited extra repayments on variable rate loans with free redraw; an early payout cost may apply if a fixed loan is terminated during the fixed rate period
Time trading: Not published
Turnover: Not published
Documents: Completed application form, proof of income (financial statements and/or payslips) and proof of property ownership
Guarantees: Not published
Funding time: Indicative decision within 48 hours of application in most cases
Restrictions: Borrow up to 80% of residential property value or up to 70% of acceptable commercial property value; available to sole traders, partnerships, companies, trusts, co-operatives and incorporated associations
How to apply: Direct with the lender, or through us
Suitable purposes: GrowthBuy a businessCommercial propertyEquipmentCash flow

Sources and freshness

Version 2, effective 25 Sept 2026. Second-pass check against the lender website.

greatsouthernbank.com.au/business-banking/loans-finance/secured-business-loanObtained 25 Sept 2026, verified 25 Sept 2026
greatsouthernbank.com.au/__data/assets/pdf_file/0030/384384/RC2083687_COMMERCIAL_LENDING_SCHEDULE_OF_FEES_241129.pdfObtained 25 Sept 2026, verified 25 Sept 2026

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Important information

About rates and fees.: Business finance is priced individually. Rates shown are the lender's published starting or indicative rates, not guaranteed rates. Where a lender does not publish a rate we still list the product and show how it is priced: "Rate available on application", "Risk-based pricing" (the lender says the rate depends on your risk or credit profile) or "Individual assessment" (the lender tailors pricing to each customer). Your rate and fees are confirmed by the lender after assessment.
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