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NAB Business Options Loan

Secured or unsecured business term loan from $20,000 with fixed or variable rates, terms up to 30 years and flexible repayment options.

Business LoansBusiness Acquisition Finance
Source dated 25 Sept 2026
Amount
From $20K
Term
Up to 30 yrs
Rate
7.85% p.a. + margin
Security
Varies
Enquire about this product

Product details

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

Loan amount
From $20K
Rate
7.85% p.a. + marginBusiness Options Prime Indicator Rate. Indicator rate effective 21 September 2026 from NAB's business lending indicator rates page; customer margin available on application. Fixed rates also offered; no fixed rate figure published.
Rate type
Variable or fixed
Term
Up to 30 yrs
Security
Varies
Structure
Term loan
Fees
Fees and charges available upon application
Repayment frequency
Monthly, Quarterly
Early repayment
Extra repayments and redraw on variable rate; no extra repayments or redraw during a fixed rate period
Documents
Financial statements, tax returns, a business plan, proof of identity and details of the business structure and operations.
Funding time
Approval typically takes from a few days to several weeks
Restrictions
Longer terms are for secured loans, typically secured by residential or commercial real estate.
How to apply
Direct with the lender, or through us
Not published by NAB
time trading, turnover, guarantees
Suitable purposes
GrowthBuy a business

About Business Options Loan

NAB publishes these details for Business Options Loan: structure term loan; loan amount from $20K; term up to 30 yrs; security varies; documentation financial statements, tax returns, a business plan, proof of identity and details of the business structure and operations.; funding time approval typically takes from a few days to several weeks. Not published by NAB for this product: maximum LVR, time trading, turnover, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other NAB products

  • Agribusiness Emissions Reduction Incentive Program: Structure is term loan here and term loan incentive program for Agribusiness Emissions Reduction Incentive Program; NAB publishes loan amount (from $20K) for this product but not for Agribusiness Emissions Reduction Incentive Program; NAB publishes term (up to 30 yrs) for this product but not for Agribusiness Emissions Reduction Incentive Program; NAB publishes security (varies) for this product but not for Agribusiness Emissions Reduction Incentive Program.
  • Business Markets Loan: Structure is term loan here and term loan (market-linked) for Business Markets Loan; loan amount is from $20K here and from $250K for Business Markets Loan; term is up to 30 yrs here and up to 15 yrs for Business Markets Loan; NAB publishes security (varies) for this product but not for Business Markets Loan.
  • Business Overdraft: Structure is term loan here and overdraft for Business Overdraft; NAB publishes term (up to 30 yrs) for this product but not for Business Overdraft; NAB publishes documentation (financial statements, tax returns, a business plan, proof of identity and details of the business structure and operations.) for this product but not for Business Overdraft; NAB publishes funding time (approval typically takes from a few days to several weeks) for this product but not for Business Overdraft.
  • Business Vehicle and Equipment Loan: Structure is term loan here and chattel mortgage for Business Vehicle and Equipment Loan; NAB publishes term (up to 30 yrs) for this product but not for Business Vehicle and Equipment Loan; security is varies here and asset-backed for Business Vehicle and Equipment Loan; documentation is financial statements, tax returns, a business plan, proof of identity and details of the business structure and operations. here and financial statements for the last two years, latest tax portal report including BAS, and recent tax returns and proof of income. for Business Vehicle and Equipment Loan.

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More from NAB

Agribusiness Emissions Reduction Incentive Program

Eligible new NAB agribusiness term loans may receive a discount for approved emissions-reduction projects.

Amount
Not published
Term
Not published
Security
Not published
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 1 Oct 2026
Details for NAB Agribusiness Emissions Reduction Incentive Program

Business Markets Loan

Business loan for amounts over $250,000 with terms from 30 days to 15 years and floating, fixed or capped rate options.

Amount
From $250K
Term
Up to 15 yrs
Security
Not published
Rates and other criteria
Rate
6.59% to 6.82% p.a. + margin
Repayments
Monthly, Quarterly
Trading
Not published
Source dated 1 Oct 2026
Details for NAB Business Markets Loan

Business Overdraft

Secured or unsecured revolving business overdraft from $20,000, subject to annual review, with interest on the daily balance used.

Amount
From $20K
Term
Not published
Security
Varies
Rates and other criteria
Rate
10.72% p.a. + margin
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for NAB Business Overdraft

Business Vehicle and Equipment Loan

Chattel mortgage for business vehicles and equipment from $20,000 with fixed rates and repayments and an optional balloon payment.

Amount
From $20K
Term
Not published
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 NAB Business Vehicle and Equipment Loan

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