{ "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/54", "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": "54", "effectiveFrom": "2001-07-16T14:30:00.0000000Z", "lastUpdated": "2026-06-09T16:00:31.7101248Z", "productCategory": "BUSINESS_LOANS", "name": "Business Line of Credit (Sec)", "description": "A Business overdraft provides ongoing access to funds when you need them. Use the overdraft to combine your business loan and working capital requirement in one flexible revolving line of credit.", "brand": "BYD", "brandName": "Beyond Bank Australia", "applicationUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/", "termsUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/", "eligibilityUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/", "feesAndPricingUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, "features": [ { "featureType": "BILL_PAYMENT", "additionalValue": "BPAY available." }, { "featureType": "CARD_ACCESS", "additionalValue": "Visa Debit Card available." }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.", "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Mobile Wallet", "additionalInfo": "Load your Beyond Bank Visa Debit Card to your phone to make fast and easy transactions.", "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/mobile-wallet/" }, { "featureType": "NOTIFICATIONS", "additionalValue": "Text Me or Push Notification Alert", "additionalInfo": "Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.", "additionalInfoUri": "https://brand.beyondbank.com.au/m/3639ea02e11a40f4/original/Product-Guide-website.pdf" }, { "featureType": "NPP_ENABLED", "additionalInfo": "New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.", "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/" }, { "featureType": "NPP_PAYID", "additionalInfo": "New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts", "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/" } ], "constraints": [ { "constraintType": "MAX_LIMIT", "additionalValue": "2000000.00" }, { "constraintType": "MAX_LVR", "additionalValue": "1.00" }, { "constraintType": "MIN_LIMIT", "additionalValue": "10000.00" }, { "constraintType": "MIN_LVR", "additionalValue": "0.00" } ], "eligibility": [ { "eligibilityType": "BUSINESS", "additionalInfo": "Available for Business purposes only. Conditions apply.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "eligibilityType": "OTHER", "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "eligibilityType": "OTHER", "additionalInfo": "Lending Criteria applies.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Australian Citizen", "additionalInfo": "Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" } ], "fees": [ { "name": "Business Loan Establishment Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "595.00" }, "currency": "AUD", "additionalInfo": "Applies to residential mortgage security and maximum borrowings of $500,000. Fees & Charges for borrowings above $500,000 (or where commercial mortgage security is required) are available on request.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "name": "Default Notice Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "This fee is payable whenever we send you a default notice because you have defaulted under the contract.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "name": "Loan Settlement Fee (a)", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "200.00" }, "currency": "AUD", "additionalInfo": "This fee is payable for a new loan settled", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "name": "Loan Settlement Fee (b)", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "150.00" }, "currency": "AUD", "additionalInfo": "This fee is payable for each loan variation or top up settled.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "name": "Security Handling Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "175.00" }, "currency": "AUD", "additionalInfo": "This fee is payable if you ask us to prepare documentation to note a change of your name on the title, or produce your land title.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "name": "Additional Security Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "200.00" }, "currency": "AUD", "additionalInfo": "This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "name": "Search Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "35.00" }, "currency": "AUD", "additionalInfo": "This fee is payable for each search conducted in relation to a loan or security including ASIC search or Title search.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" }, { "name": "Default fee on Business Overdraft (Mortgage Secured)", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "currency": "AUD", "additionalInfo": "This fee is payable on the 15th day of every month whilst you are in default.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" } ], "lendingRates": [ { "lendingRateType": "VARIABLE", "rate": "0.0884", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "UNCONSTRAINED", "additionalInfo": "Business Overdraft - Mortgage Secured Line of Credit Loan for Business or Commercial purposes. Conditions apply. A margin may be added to the rate indicated that will change the actual rate received.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-overdraft/" } ] } }