---
title: "Commercial Loan — Cairns bank"
description: "Business Loans from Cairns bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/cairns-bank/products/L4_COMMERCIAL_LOAN
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-05T09:21:37.000+10:00
---

# Commercial Loan — Cairns bank

> Business Loans from Cairns bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans · Cairns Bank**

Secured loan for commercial purposes, including the purchase of the commercial premises for business or investment purposes and overdraf facitlies

## At a glance

- **From:** 7.74% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.74% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ACCOUNT_KEEPING_FEE | Ongoing | $12.00 |
| ARREARS_FEE — For loans in arrears two month or more | Ongoing | $25.00 |
| ADDITIONAL_REDRAW_FEE — Payable in respect of each redraw in a month after the first free redraw | Event | $20.00 |
| BANK_CHEQUE_FEE — Payable for each cheque from a Bank (other than Cairns Bank) you request | Event | $12.00 |
| CORPORATE_CHEQUE | Event | $10.00 |
| DISCHARGE_PREPARATION_FEE — When the balance is repaid in full and a Form 3 is prepared | Event | $60.00 |
| DISCHARGE_SETTLEMENT_FEE — When required to attend at settlement | Event | $100.00 |
| VARIATION_OF_LOAN_CONTRACT_FEE — Payable when you apply to vary a loan contract | Event | $200.00 |
| SUBSEQUENT_DEALING_FEE — When you apply for consent to a subsequent dealing with the mortgaged property | Event | $200.00 |
| INWARD_DISHONOUR_FEE — If a cheque received by the Credit Provider is dishonoured this fee will be debited to your account.  After that debit is made, this fee is payable as part of the balance | Event | $20.00 |
| COMMERCIAL_LOAN_APPLICATION — Minimum Fee of $500 | Upfront | 0.5% of balance |

## Features

- **Overdraft available**
- **Redraw facility**

## Eligibility

- **Business customers**
- **Individuals only**
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $5,000.00

## Data provenance

- Published by Cairns bank under the Consumer Data Right
- Product ID: `L4_COMMERCIAL_LOAN`
- Last updated by the provider: 4 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/cairns-bank/L4_COMMERCIAL_LOAN
- Provider page: https://www.cdrcompare.au/brands/cairns-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000075

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/cairns-bank/products/L4_COMMERCIAL_LOAN) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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