Are you paying more than 5% on your business loan?

Whatever business you operate, talk to IMB Bank Business Banking Today.

Fully Drawn Commercial Loan

Achieve your business goals sooner with an IMB Fully Drawn Commercial Loan. Whether you’re looking to expand your business or acquire commercial property talk to our team of Business Banking specialists about your business needs. We offer a range of solutions to suit your needs:

  • Fixed or variable interest rates available
  • Loan may be secured by commercial, residential or industrial property

Key Features
Minimum Loan Amount $20,000
Maximum Loan Amount $5,000,000
Loan period Up to 25 Years2
Repayments Monthly, fortnightly or weekly
Interest Only available
Redraw Facility Yes (On both the fixed and variable rate commercial loan products)
Rates, fees and charges For information on interest rates, fees and charges please contact an IMB Business Relationship Manager
Statement frequency Monthly
Split Loan Yes – Free of charge
Early Repayment 2 months of interest on the original loan amount is payable if the loan is fully repaid within the first 3 years

Variable Business Loan Rates

  Interest Rate p.a.#
Fully Drawn Business Loan (Commercial Security) (rates starting from) 3.29% pa
Fully Drawn Business Loan (Residential Security) 2.99% pa
Secured Business Overdraft 7.34% pa
Unsecured Business Overdraft 10.34% pa
Business Asset Finance/Leasing Rates on application

Fixed Business Loan Rates

  Interest Rate#
  Residential Security Commercial Security
1 year 3.39% pa 3.69% pa
2 years 2.99% pa 3.29% pa
3 years 2.99% pa 2.99% pa
4 years 3.89% pa 4.19% pa
5 years 3.89% pa 4.19% pa

And our full suite of Business Banking solutions


Business Accounts



Asset Finance



Debtor Finance



Merchant Services


Payroll Facility




IMB rates current as at 08 January 2021 and subject to change. IMB lending criteria, terms and conditions, fees and charges apply. #Interest rates are indicative and may vary on settlement. A borrower margin may apply. All fixed rate loans convert to a variable rate at the end of the fixed rate term. 1. Fixed rates are indicative and may vary on settlement. A borrower margin may apply. Higher rates apply for non-residential security. 2. 25 year term only available for loans <$1m and subject to IMB lending criteria. Shorter terms available for loans >$1m and / or loans otherwise not qualifying for a 25 year term. IMB Ltd. trading as IMB Bank. ABN 92 087 651 974. AFSL/Australian Credit Licence 237 391