{
  "source": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMFixedRateSmallBusinessLoan",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "BOMFixedRateSmallBusinessLoan",
    "lastUpdated": "2026-07-09T01:04:28Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Fixed Rate Small Business Loan",
    "description": "With one of the longest business lending terms in the market, we can help you grow your business whilst optimising your repayments.",
    "brand": "Bank of Melbourne",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofmelbourne.com.au/business/business-loans/small-business-loans",
      "termsUri": "https://www.bankofmelbourne.com.au/business/business-loans/small-business-loans",
      "eligibilityUri": "https://www.bankofmelbourne.com.au/business/business-loans/small-business-loans",
      "feesAndPricingUri": "https://www.bankofmelbourne.com.au/business/business-loans/small-business-loans"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment options : Flexible repayment options."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Tax Savings: Potential tax benefits."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No business size requirement"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for making extra repayments on a variable interest rate loan "
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Choose a repayment frequency suited to your cashflow"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Provides interest rate certainty and set repayments to help with budgeting"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest can be paid monthly to help manage your cashflow"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "For more information on our fixed rates, please get in touch with our business finance specialist"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Relationship management is available for eligible customers."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "20000.00",
        "additionalInfo": "Borrow from $20,000 and above"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Loan term up to 30 years, depending on rate option chosen and security provided."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": " An individual 18 years and above"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "A business entity or an individual 18 years and above, domiciled in Australia and require the funding wholly or predominantly for business purposes"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Meets the credit criteria and credit policy requirements under an applicable offer for this product."
      }
    ]
  }
}