Westpac Business Loan

Secured business term loan from $10,000 with variable or fixed rates, for uses such as buying a business, capital investment, property or refinancing.

Business Loans Commercial Property Finance Business Acquisition Finance Refinance & Debt Consolidation

From lender's website, 25 Sept 2026

Amount: From $10K
Term: Not published
Rate: From 7.91% p.a. variable
Security: Secured

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Product details

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

Loan amount: From $10K
Rate: From 7.91% p.a. variableStarting variable rate on the product page; matches the Small Business Loan Rate of 7.91% p.a. on Westpac's business lending rates page, effective 1 September 2026. Rates vary with loan term and security type. Fixed rates available for up to 5 years; no fixed rate figure published.
Rate type: Variable or fixed
Term: Not published
Security: Secured
Structure: Term loan
Fees: Monthly service fee from $143 (accrues monthly, payable quarterly in arrears) · Establishment and other fees apply (confirmed in the finance offer)
Repayment frequency: Not published
Early repayment: Extra repayments and redraw on variable rate; no extra repayments or redraw during a fixed rate period
Time trading: Not published
Turnover: Not published
Documents: ID, financial statements, proof of individual income for directors and shareholders, personal and business expenses, latest annual financial statements or business tax return, 12 months of ATO BAS, and a signed lease for property investments.
Guarantees: May be required
Funding time: Not published
Restrictions: 100% LVR option: up to $3m per customer, businesses operating and profitable for at least two years, only for owner-occupied non-specialised commercial property or business expansion.
How to apply: Direct with the lender, or through us
Suitable purposes: GrowthCommercial propertyBuy a businessRefinance

Sources and freshness

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

westpac.com.au/business-banking/loans-finance/business-loan/Obtained 25 Sept 2026, verified 25 Sept 2026
westpac.com.au/business-banking/loans-finance/business-loans-interest-rate/Obtained 25 Sept 2026, verified 25 Sept 2026

How we source product data

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.
Eligibility.: Meeting published criteria does not guarantee approval. Lenders also consider credit history, conduct of accounts, industry, security and the purpose of the loan.
Commercial relationships.: Where we have a commercial relationship with a lender, it is shown on that lender's profile. Appearing on our homepage or in results does not by itself mean a commercial relationship exists.

All disclosures