Business Loans
Grow with business loans and lines of credit
Our range of business lending can help you reach the next stage — from building a fleet and improving cash flow to renovating premises and buying equipment.
Business lending options
Commercial Property Loans
Buying premises, renovating a property or refinancing existing commercial real estate can be one of the more durable investments a business makes — we'll help you strengthen the position rather than stretch it.
Whether you're looking at commercial premises, residential rental property or multi-unit dwellings, our commercial property loans provide:
- Fixed- and variable-rate options
- Standard 5-year term with 20-year amortisation
- No early repayment penalties
Business Lines of Credit
Managing cash flow, payroll or working capital? A line of credit may suit better than a term loan. For shorter-term needs — overdraft cover, building inventory, absorbing an unexpected cost — it connects you to the amount you need to close the gap and reconcile cleanly.
- Secured business lines starting at $10,000
- Overdraft protection for a business checking account
- APR 17.90% on a checking line of credit
Business Vehicle Loans
Whether you need a car for client meetings or a van for hauling, vehicle finance gets the right set of wheels under the business without tying up working capital.
- No fees
- No early repayment penalties
- Available for purchases and refinancing
Business Secured Term Loans
Take a growth opportunity, make renovations, supplement cash flow or fund a one-off cost, secured against an asset or deposit you already hold.
- Loans starting at $25,000
- No early repayment penalties
- Competitive rates and terms
Why choose Navy Federal for your business loan?
Rates worth comparing
We price on the strength of the business rather than a standard tariff, and we'll tell you plainly where you sit.
Decisions in days
Most unsecured applications get an answer within two business days once we have your accounts.
A named contact
Commercial lending comes with someone who knows your file, not a queue and a reference number.
Ready to apply for a business loan?
Start with a conversation. We’ll tell you what we’d need, roughly where you’d price, and whether a term loan or a line of credit actually fits the situation — before you fill anything in.
Business resources and support
It isn't required, but it helps considerably. Holding the account means we can see trading activity directly, which usually shortens the decision and reduces the documents we ask for.
Prefer to talk it through? Speak to our business lending team.