Business Loans

Let us help you reach your business goals with one of our business loan products, designed with small and medium businesses in mind.

Equipment & Property Loans
SME Equipment Loan 3 Year Fixed
3.29 % PA
Rate for new lending & re-fixes
Motor Vehicle Equipment Loan

Finance a new or used car for your business with a flexible Motor Vehicle Equipment Loan. Borrow $20,000 to $100,000 with variable or fixed interest rate options available.

SME Equipment Loan
Our SME Equipment Loan can be used to replace, upgrade or purchase additional plant & equipment, with fixed interest rate options and an optional balloon repayment structure and loans of up to $500,000.
SME High LVR Fixed Rate Loan
Purchase new commercial property or borrow against existing commercial property for business purposes, up to 80% LVR.
Fully Drawn Loan

Our Fully Drawn Loan could help you with most business needs such as purchasing a property, buying a business or longer term working capital requirements.  

Working Capital
Working Capital
SME Unsecured Working Capital Loan
Our SME Unsecured Working Capital Loan can support your business cash flow or provide extra working capital to help your business grow, with unsecured loans up to $100,000.
Overdraft Facilities
Our Business Overdraft Facility covers you by providing a flexible line of credit in conjunction with a Business Cheque Account.
Line of Credit
A flexible form of finance, allowing you to decide when to make principal reductions, plus the ability to re-use these funds at any time during the term of the facility.

Funding for Organic Farming - Grants open now

We partner with Woolworths to administer the lending and financial aspects of the $30 million Woolworths Organic Growth Fund, which offers interest-free loans and grants to conventional and organic growers who want to build their organic farming business. Grants applications are now open until 18 June 2021.

Learn more

Real stories by real customers

"Heritage Bank has made business a lot easier for us, with the facilities that they've tailored to suit our needs."

Jamie from Orchy Ice & Coldstores Toowoomba 
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