{ "source": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGBankBillBusinessLoan", "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": "STGBankBillBusinessLoan", "lastUpdated": "2026-05-08T04:04:04Z", "productCategory": "BUSINESS_LOANS", "name": "Bank Bill Business Loan", "description": "A flexible term lending facility of $250,000 or more with market-linked pricing. Suitable for businesses seeking funding for; business acquisition, expansion, or investment in property, plant or equipment.", "brand": "St. George Bank", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.stgeorge.com.au/business/loans-finance/bank-bill-business-loan", "termsUri": "https://www.stgeorge.com.au/business/business-loans/bank-bill-business-loan", "eligibilityUri": "https://www.stgeorge.com.au/business/business-loans/bank-bill-business-loan", "feesAndPricingUri": "https://www.stgeorge.com.au/business/business-loans/bank-bill-business-loan" }, "features": [ { "featureType": "OTHER", "additionalInfo": "Market linked pricing, with simple interest in arrears calculation" }, { "featureType": "OTHER", "additionalInfo": "Short or long term funding aligned to the life of the underlying asset and/or to match customer cash flow" }, { "featureType": "OTHER", "additionalInfo": "Variable or fixed rate options available" }, { "featureType": "OTHER", "additionalInfo": "Flexible repayment options are available" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Business Banking Online access." }, { "featureType": "OTHER", "additionalInfo": "Automatic rollovers" }, { "featureType": "OTHER", "additionalInfo": "Variable Rate Facilities: Ability to make additional repayments without penalty" }, { "featureType": "OTHER", "additionalInfo": "Fixed Rate Facilities : Provides interest rate certainty for the duration of the fixed interest term" }, { "featureType": "OTHER", "additionalInfo": "Available repayment includes Interest Only, Interest only capitalised (Variable rates Only), Interest only in advance (Fixed rate loans only), Principal and interest with no residual, Principal and interest with a residual balance on interest only, Interest only then principal and interest, Interest only then principal and interest with residual balance and Regular fixed principal payment amounts plus interest payable" }, { "featureType": "OTHER", "additionalInfo": "Repayment Frequency : Payment periods can be set as: Monthly, Quarterly or Half-yearly" }, { "featureType": "REDRAW", "additionalInfo": "Redraw facility is available for certain draw down arrangements" }, { "featureType": "OTHER", "additionalInfo": "Supported by specialist relationship managers, locally based in metropolitan and regional centres throughout Australia" }, { "featureType": "OTHER", "additionalInfo": "Interest rates linked to the bank bill swap rate" }, { "featureType": "OTHER", "additionalInfo": "Rollover every 30, 60, 90, 120, 150, or 180 days" }, { "featureType": "EXTRA_REPAYMENTS", "additionalInfo": "Subject to terms and conditions, this product includes extra repayment features." }, { "featureType": "RELATIONSHIP_MANAGEMENT", "additionalInfo": "Relationship management is available for eligible customers." } ], "constraints": [ { "constraintType": "MIN_LIMIT", "additionalValue": "250000.00" }, { "constraintType": "OTHER", "additionalInfo": "Minimum loan term 30 days and Maximum loan term is 30 years " } ], "eligibility": [ { "eligibilityType": "BUSINESS", "additionalInfo": "New and existing business customers. The loan should be used for business and/or investment purposes" }, { "eligibilityType": "OTHER", "additionalInfo": "This product is applicable for commercial Banking Industry & Property customers" }, { "eligibilityType": "OTHER", "additionalInfo": "Applicants may be individuals, businesses, partnerships or trustees" }, { "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." } ], "fees": [ { "name": "Line Fee", "feeType": "PERIODIC", "feeMethodUType": "variable", "variable": {}, "additionalValue": "P1M", "additionalInfo": "Negotiable % p.a. This fee is calculated daily from the date of first drawdown. It is Payable in arrears on the last business day of each repayment period and depends on the facility limit." }, { "name": "Loan Service Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "40.00" }, "additionalValue": "P1M", "additionalInfo": "This fee is payable in line with the Repayment Period (i.e. monthly, quarterly, or half-yearly) and is debited from customer's nominated account (For example if quarterly repayments the fee would be $120.00 per quarter) This can be waived with TPC approval." }, { "name": "Lending Establishment Fee", "feeType": "UPFRONT", "feeMethodUType": "variable", "variable": {}, "additionalInfo": "0.6% of the facility limit / min $600" }, { "name": "Valuation Costs - Residential Property", "feeType": "EVENT", "feeMethodUType": "variable", "variable": {}, "additionalInfo": "Standard residential valuation costs for business bank are not passed onto the customer. Commercial valuation report costs will vary between each panel valuer firm. Panel firms are to be contacted for quotes for commercial property valuation reports." }, { "name": "Valuation Costs - Commercial Property", "feeType": "EVENT", "feeMethodUType": "variable", "variable": {}, "additionalInfo": "Commercial valuation report costs will vary between each panel valuer firm. Commercial Property Valuation Panel Firms are to be contacted for quotes for commercial property valuation reports. " }, { "name": "Discharge Fee", "feeType": "EXIT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "350.00" }, "additionalInfo": "Payable when we agree to discharge a security linked to the facility. Payable per LTO security. " }, { "name": "Break Cost fee", "feeType": "EVENT", "feeMethodUType": "variable", "variable": {}, "additionalInfo": "Break costs may be incurred when - Changes are made to the repayment type, or the borrower makes repayments in excess of any scheduled repayment arrangements during a fixed interest rate period, even if that repayment is required because they are in default, or the facility is paid out before the expiry of the fixed rate term, or switching all or part of a fixed rate facility to another fixed or variable rate, or if the fixed rate loan is not drawn down in full within 14 days after acceptance. Break Costs are charged in addition to any Administration Fee payable." } ] } }