Business loan

Variable rate with residential security

Principal and interest
Interest rate:

4.94 % p.a. 1

Business loan

Variable rate with residential security

Interest only
Interest rate:

5.29 % p.a. 1

Business loan

Variable rate with commercial security

Principal and interest
Interest rate:

5.94 % p.a. 1

Business loan

Variable rate with commercial security

Interest only
Interest rate:

6.94 % p.a. 1

Features and benefits


Ability to make extra repayments without penalty and redraw payments in advance as you need it.


Deposit your money into a 100% offset facility which allows you to reduce the interest on your loan.


Borrow up to 100% of the security value depending on the type of security.


Monthly fee

This will be automatically applied to your loan each month.


Application fee

Additional fees may apply for non-standard applications. Valuation, legal and other fees may apply.


Online redraw fee

If you'd like us to process a redraw for you a $30 fee will apply.

10 years

Maximum loan term

Spread your loan over terms from 1 - 10 years depending on your needs.

How to apply

You can apply over the phone or by visiting one of our financial services stores. One of our Business Specialists will guide you through the process.

You can apply if you:

  • Are a sole Proprietor, a Partnership, Company, or Trust (other structures may be eligible)
  • Proprietors/directors/partners are all over 18 years of age
  • The business has positive financials
  • Are not bankrupt
  • Are an Australian company or a company registered in Australia
  • Have not had credit bureau defaults in the last 5 years

You will need to have been in business for a minimum of 2 years and will need to provide the following:

  • Business plan detailing business management experience, and
  • 12 month cash flow forecast
  • Your last 3 years' financial statements
  • Copies of interim business financial figures
  • Copies of personal taxation returns for all business partners or directors
  • The current value of any personal assets and liabilities of all business partners and directors
  • Balances of any existing business loans/lines of credit
  • You may need to provide a copy of your Australian Taxation Office (ATO) Tax Portal Activity Statement and ATO Tax Portal Itemised Account (no more than 3 months old).

Fees and charges

Refer to our latest fees and charges schedule for more information about fees and charges.

Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is current as at 01/05/20 and subject to change without notice.

Community First Credit Union LimitedABN 80 087 649 938 | AFSL and Australian credit licence 231204 | BSB 512-170