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Fixed Rate Business Loan

Maximum certainty at a competitive rate.

Fixed Rate Business Loan

Maximum certainty at a competitive rate.

Get where you’re going, faster

Whether it’s to help you expand operations, better manage cash flow, or invest in vital resources to grow your business, Summerland Bank is invested in seeing local businesses thrive. Our competitive Fixed Rate Business Loan can offer much-needed stability and predictability as you ride the waves of the market.

2 years 7.24% p.a.

Fixed rate1

Fix your interest rate for up to five years and enjoy the flexibility of an added redraw facility. Designed to give you ultimate peace of mind and maximum certainty, our fixed rate loans are available on both a principal and interest or interest-only basis.


Mix and Match

Split it

Divide your business loan into two or more portions with varying interest rates, including an interest-only period during construction, to make sure you’re always getting the best deal.

Ultimate flexibility

Redraw facility

Giving you the flexibility to pay down your loan faster while still having access to additional funds when you need them.

Why a Fixed Rate Business Loan?

No nasty surprises


Your regular repayments remain consistent throughout the loan term, with interest only options available


know exactly what you’re in for, so it’s easier to budget and plan for the longer term


With clear terms and conditions, there will be no surprises during the life of your loan

Protection against rate increase

Even if market interest rates rise, your rate will stay the same

Peace of mind

the certainty of a fixed interest rate can relieve some of the stress of market volatility and reading the financial news headlines

We make things simple for you

We understand how confusing it can be to navigate financing a big purchase. Let our experienced lenders take away the stress of applying for finance.

Speak to our lending experts

Your lending specialst will carefully guide you through the application process, be prepared to share your goals and financial information so we can let you know your borrowing capacity

Application and approval

Once you have provided us with your financial information and verification documents, we will have a decision back to you lightning quick! usually within 2 business days.

Loan acceptance and funding

We make the loan acceptance process quick and easy, ensuring you can access your loan funds in time for your big purchase!

Compare business loan options

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1. Rate applicable to residential security only. A different rate applies for non-residential security properties. Contact us for more information.

This is general advice only and may not be right for you. Please read the Credit Guide before making decisions.  Terms and conditions, fees and charges apply. Copies can be obtained from one of our branches or by calling our Contact Centre on 1300 728 728

Loans Fees & Charges

Why choose Summerland Bank?

We believe in a local and personalised kind of banking, one with your best interests at heart. With our competitive range of products for businesses, grow with us by your side and in your corner.

Personalised support

Either in store or online, our friendly and experienced local team can answer any questions you may have about our loans and how we can support you to realise your potential.

No hidden fees

With no ongoing monthly fees for eligible borrowers, enjoy the benefits of a loan that helps you get where you’re going, faster.

A lender you can trust

Providing a braver banking alternative since 1964, from our early days as a credit union, now to a purpose-driven and Certified B Corp bank, you can’t spell trust without us.

Online and digital banking

Giving you safe, secure and easy-access to your accounts on the go with our user-friendly app and innovative digital banking experience. Available for both iOS and Android.

Ready to get started?

If you’re ready for a braver kind of banking, here are three ways to get started with Summerland Bank.

Contact us

Good old-fashioned customer service, the Summerland way.

Visit a branch

Find your closest Summerland Bank branch and our friendly local team will be ready to help.

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