Business Finance

Helping your cash flow flow Because your business banker works with you to understand your business, they are in the perfect position to help you manage your cash flow. This will help you avoid possible interruptions to your business and ensure things run smoothly. In fact, your business banker can provide you with finance facilities for every business purpose, from short-term overdrafts to long-term instalment loans.

Business loans

If you need a business loan, Bendigo Bank will be pleased to talk to you about a loan designed to suit your specific business needs. Our Business Solutions Principal and Interest Term Loans offer you a choice of variable or fixed interest rates with customised repayments.

Interest only

We offer personalised lending facilities to meet your business needs. You can choose from Interest Only or Principal and Interest Loans, with fixed or variable interest and customised repayments.

Commercial loans

If your business requires a commercial loan, we can offer you a loan with a fixed or variable rate of interest, or combination of both, with structured repayments that feature either interest only or principal plus interest. Maybe you have a special project in mind? Please feel free to come in and discuss it with one of our business bankers.

Business overdraft

To help your business meet its capital requirements, we offer an overdraft facility on revolving credit loans with variable interest. It's an ideal solution, assisting to smooth out short-term fluctuations in your cash flow. The overdraft can be accessed through the issue of cheques, debit card, automatic payments and funds transfer. You can make the most of your business opportunities with a line of credit that can come and go as you need it, you simply pay interest on the balance outstanding, so there's no need for a rigid fixed repayment program.

For a detailed product description on the Business Solutions Overdraft, click here.

A fast cash flow solution

Why wait weeks, or even months, for your unpaid invoices to give you cash flow for your working capital? Oxford Funding, a wholly-owned subsidiary of Bendigo Bank, pays you up to 80% of the value of your invoices immediately. Use Oxford Funding's debtor finance to grow your business, repay or reduce your overdraft, free up real estate security, or simply meet fluctuating seasonal demands.

Primary Producer Account

This account offers you the convenience of personal cheques and electronic transactions with your Bendigo Blue Debit Card, allowing your funds to be accessed anytime. If your account maintains a credit balance, competitive interest is calculated daily and paid monthly into your account. Your Primary Producer Account can also incorporate an overdraft facility. In short, it's all your banking needs in one account.

Asset purchase

This facility can help your business grow by allowing you to obtain cost-effective finance for business motor vehicles and equipment. You can choose whether you want to lease or purchase, with terms from two to five years. Payments can be customised to your cash flow and, in most cases the finance costs are tax deductible.