What is a commercial loan?

Commercial loans, often referred to as business loans, can be used for funding a commercial property purchase, buying new equipment, increasing your working capital or funding other business activities.

If you're looking for a commercial property or business loan, we have a range of secured and unsecured loans for all types of businesses, from small start-ups to large established companies.

Check if a commercial loan is right for you

There are a number of reasons that commercial lending like the NAB Business Options Loan might be the right choice for your business.

  • Buying new commercial property to expand your operations.

  • Renovating your existing workplace to increase efficiency, improve safety or make extra space.

  • Buying new equipment or upgrading old equipment.

  • Securing extra capital so you can handle bills and invoices or make payroll.

Explore our commercial loan options

Compare our commercial business loan and overdraft products to find the right solution for your business. Compare interest rates, secured and unsecured options, and loan terms.

A simple, easy to understand commercial lending solution tailored to suit your business.

Features and benefits

  • Borrow from $20K

  • Flexible loan terms to suit your business needs

  • Redraw available on variable interest rate loans

  • Choose between secured or unsecured business loans

Manage your borrowing costs and protect your business against interest rate changes.

Features and benefits

  • Borrow from $250,000

  • Flexible lending repayment options

  • Flexible loan terms from 30 days to up to 15 years

  • Access online redraws and repayments easily

  • Protect against interest rate movements

  • Progressively draw down on your loan for construction purposes

An overdraft on your Business Everyday Account to help manage your cash flow and seasonal expenses.

Benefits of this overdraft

  • Flexible cash management with access to a revolving line of credit.

  • Access the additional funds directly from your NAB Business Everyday transaction account with a NAB Business VISA Debit card.

  • Choose between secured or unsecured overdrafts.

Other options to consider

Check out our other business finance solutions.

How to apply for a NAB commercial loan

Here's a quick look at how to apply and receive your commercial loan finance.

Step 1. Choose the right option

Choose the right finance to suit your needs. If you’re unsure, talk to us over the phone or in person with your local NAB business banker.

Step 2. Apply

You can apply over the phone or in person with your local NAB business banker.

Check what documents you need to apply

Step 3. Sign documents

Once the approval is sorted, we’ll send you the completed documents to sign and return.

Step 4. Receive your finance

Receive your finance once all documents are received and approved.

Commercial loans

Commercial loans

Commercial loans

Commercial loans

Other commercial loan tools and services

Useful commercial lending and cash flow calculators to help you run and manage your business.

Get in touch

Sales enquiries

Let us help with your business banking needs. Request a call back to chat with one of our business bankers.

Contact us

Explore our business banking contact information and get support with a wide range of products, services and topics. 

Visit a NAB business banking centre

Let our business banking specialists help you in person.

Terms and Conditions