{ "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/56", "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": "56", "effectiveFrom": "2008-11-24T13:30:00.0000000Z", "lastUpdated": "2026-04-07T14:00:29.0117364Z", "productCategory": "BUSINESS_LOANS", "name": "Business Loan", "description": "A Business Loan is a simple, low cost way to finance small business needs, like purchasing a new vehicle. With a fixed interest rate, this Business Loan gives you security of knowing your repayments won't change.", "brand": "BYD", "brandName": "Beyond Bank Australia", "applicationUri": "https://www.beyondbank.com.au/business/lending/business-loan/", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.beyondbank.com.au/business/lending/business-loan/", "termsUri": "https://www.beyondbank.com.au/business/lending/business-loan/", "eligibilityUri": "https://www.beyondbank.com.au/business/lending/business-loan/", "feesAndPricingUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, "features": [ { "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": "EXTRA_REPAYMENTS", "additionalInfo": "Additional Repayments: make unlimited additional repayments to your loan.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "featureType": "OTHER", "additionalInfo": "Choose between variable or fixed interest rates.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" } ], "constraints": [ { "constraintType": "MAX_LIMIT", "additionalValue": "140000.00" }, { "constraintType": "MAX_LVR", "additionalValue": "1.00" }, { "constraintType": "MIN_LIMIT", "additionalValue": "5000.00" }, { "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-loan/" }, { "eligibilityType": "OTHER", "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "eligibilityType": "OTHER", "additionalInfo": "Lending Criteria applies.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "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-loan/" } ], "fees": [ { "name": "Search Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "35.00" }, "currency": "AUD", "additionalInfo": "This fee is payable for each search we conduct in relation to a loan or security including an ASIC search or Title search.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "name": "Approval / Variation Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "295.00" }, "currency": "AUD", "additionalInfo": "Applicable when you apply for new or increased credit or request a change to your line of credit contract.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "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-loan/" }, { "name": "PPSR & ASIC Search Fees", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "55.00" }, "currency": "AUD", "additionalInfo": "This fee is payable when we conduct a combined PPSR and ASIC Search and obtain certificates.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "name": "Security Administration fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "70.00" }, "currency": "AUD", "additionalInfo": "This fee is payable when we prepare a Goods Security or other security in relation to any type of Business Loan.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "name": "Additional Security Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "200.00" }, "currency": "AUD", "additionalInfo": "This fee is payable when we prepare a security such as a guarantee or a security interest over a company's asset.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "name": "Default Fee on Business Vehicle Loans and Business Loans - Unsecured - on the 8th day", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "This fee is payable on the 8th day you are in default.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "name": "Default Fee on Business Vehicle Loans and Business Loans - Unsecured - every 14th day thereafter", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "currency": "AUD", "additionalInfo": "This fee is payable every 14th day thereafter for so long as you remain in default.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" } ], "lendingRates": [ { "lendingRateType": "FIXED", "rate": "0.135", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "UNCONSTRAINED", "additionalValue": "P7Y", "additionalInfo": "Business Loan for Commercial or Business purposes, unsecured lending, flexible loan terms 1- 7 years. Conditions apply.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.078", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "UNCONSTRAINED", "additionalValue": "P7Y", "additionalInfo": "Business Vehicle Low Rate Loan Special Offer for Commercial or Business purposes. Flexible loan terms 1-7 years. Conditions apply.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" }, { "lendingRateType": "FIXED", "rate": "0.0869", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "UNCONSTRAINED", "additionalValue": "P7Y", "additionalInfo": "Business Vehicle Loan for Commercial or Business purposes, secured lending, flexible loan terms 1-7 years. Conditions apply.", "additionalInfoUri": "https://www.beyondbank.com.au/business/lending/business-loan/" } ] } }