{
  "source": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/SmallBusiness",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "GUARANTOR"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa."
      }
    ],
    "fees": [
      {
        "name": "SMALL_BUSINESS_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "450.00"
        },
        "currency": "AUD"
      },
      {
        "name": "MONTHLY_SERVICE_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Payable on the same day, and in the same manner, as any repayment on your loan. This fee will be debited to your loan account on the last day of each month."
      },
      {
        "name": "SPECIAL_ATTENDANCE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender   s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date."
      },
      {
        "name": "ARREARS_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day."
      },
      {
        "name": "INSURANCE_COLLECTION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf."
      },
      {
        "name": "EVIDENCE_RETRIEVAL_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction."
      },
      {
        "name": "CHEQUE_DISHONOUR_(INWARD)_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.",
        "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf"
      },
      {
        "name": "DUPLICATE_STATEMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0699",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "The interest rate quoted for the product is based on a loan secured by an asset that is less than 2 years old. If the asset is more than 2 years or the loan is partly of fully unsecured, than an additional margin may apply. This will be determined at the time of application."
      }
    ],
    "productId": "SmallBusiness",
    "lastUpdated": "2026-04-13T22:20:02.000+10:00",
    "productCategory": "BUSINESS_LOANS",
    "name": "Small, Small Bus Loan",
    "description": "Our small, small business loan is ideal for buying that new work vehicle or upgrading your tools. With secured, partly secured and unsecured loan options available and for loans ranging from $5,000 to",
    "brand": "BNE LTD",
    "brandName": "Bank of us",
    "applicationUri": "https://bankofus.com.au/home-loan-pre-approval?refer=home-loans",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://bankofus.com.au/home-loans",
      "termsUri": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf",
      "eligibilityUri": "https://bankofus.com.au/home-loans",
      "feesAndPricingUri": "https://bankofus.com.au/home-loan-interest-rates"
    }
  }
}