{
  "source": "https://api.macquariebank.io/cds-au/v1/banking/products/BB001MBLFDA001",
  "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": "BB001MBLFDA001",
    "lastUpdated": "2026-05-01T00:01:00.001Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Fully Drawn Advance",
    "description": "Financing solution for investment and business growth.",
    "brand": "Macquarie Bank Limited",
    "isTailored": true,
    "additionalInformation": {
      "eligibilityUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
      "feesAndPricingUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
      "overviewUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
    },
    "applicationUri": "https://www.macquarie.com.au/business-banking/request-a-call.html",
    "brandName": "Macquarie",
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": "Target loan size is $1,000,000 and above.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "additionalValue": "1000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "Applies to Residential Property. Property Security LVR is dependent on location and value of Security. Loans to medical professionals with a fellowship from an Australian Medical College or healthcare businesses meeting our Health Goodwill Guidelines can receive up to an additional 10% LVR if the lending is against the residential property (excluding 'retail' borrower investments. A 'retail' borrower includes an investor in residential property that is an individual regulated under NCCP or is a company that is not a trading business or has less than 4 properties). Lending criteria apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "additionalValue": "0.80"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "Applies to Commercial Property. Dependent on location and value of Security. Loans to medical professionals with a fellowship from an Australian Medical College or healthcare businesses meeting our Health Goodwill Guidelines can receive up to an additional 10% LVR if the lending is against the commercial owner-occupied property. Lending criteria apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "additionalValue": "0.70"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking.html"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Borrowers: Individual, Company, Partnership, Trust",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Maximum Loan terms of 5 years. Term can be extended up to 10 years subject to loan purpose, security and borrower type.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Sub-accounts available. Set up multiple sub accounts to draw down on the overarching facility limit. All sub-accounts are required to be on the same interest rate and repayment type. All sub-accounts must have the same loan purpose as the overarching facility.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible repayment structures Interest Only and Fixed Principal + Interest repayment types available. Maximum Interest Only loan term of 5 years, subject to credit approval. Fixed Principal + Interest: Repayments made up of a set principal repayment amount plus interest accrued eg. Monthly repayment of $2,000 off the principal plus interest accrued for that monthly.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan Collateral Property, Business Assets.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "LVR - Business Assets LVR vary by Industry. Dependent on amortisation and asset profile. Subject to lending criteria.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Safe and secure - Macquarie Authenticator adds an extra layer of customisable security to your banking."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Manage Banking Online"
      },
      {
        "featureType": "GUARANTOR"
      }
    ],
    "fees": [
      {
        "name": "Establishment fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "additionalInfo": "Individual: $1,000. Corporate Borrowers: ≤$3m up to 0.50% of limit. >$3m available (& negotiable) on application",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "currency": "AUD",
        "variable": {}
      },
      {
        "name": "Break Cost",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "additionalInfo": "Fixed rate break cost fee may apply A break cost fee may be payable on early repayment during a fixed rate period if any of these events occur: the whole or part of a fixed rate account is repaid before the end of the fixed rate term; the repayments made are more than the minimum amount required during the fixed rate term; or the whole or part of a fixed rate account is changed to another type of interest rate, repayment type, or fixed rate period.",
        "additionalInfoUri": "https://www.macquarie.com.au/help/business/business-loans/manage-your-business-loan/business-loan-payout-and-varying-your-loan.html",
        "currency": "AUD",
        "variable": {}
      },
      {
        "name": "Registration, Government Transaction charges & third party fees",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "additionalInfo": "Registration, Government Transaction charges & third party fees may apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "currency": "AUD",
        "variable": {}
      }
    ]
  }
}