---
title: "Market Rate Loan - Facility — CommBank"
description: "Business Loans from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/502592a38a0546d9a604f098b23f3a22
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-12T02:15:32.000Z
---

# Market Rate Loan - Facility — CommBank

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

**Business Loans · Negotiable rates**

A highly flexible loan with transparent pricing to support your business to grow, and repayment options to meet your cash flow cycle.

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/business/loans-and-finance/market-rate-loan.html)

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Facility usage fee — Fee charged for using the facility. Calculated on your total borrowed amount (not your total limit) | Other | Variable |
| IRRM Charges — Applicable fees vary, e.g. IRRM charges - please speak with your Relationship Manager for rates and terms to suit your needs. | Other | Variable |
| Establishment and security processing fee — Fee charged to establish or refinance a facility. This may be a dollar amount or percentage of the facility limit. This may be charged at establishment, limit increase or loan term extension | Upfront | From $1,000.00 |
| Facility line fee — Charged every 3 months · Fee charged for making the facility available. Calculated as a percentage of the total facility limit | Ongoing | Variable |
| Other fees apply — Applications for finance are subject to the Bank's normal credit approval. Full terms and conditions and applicable fees are included in the Loan Offer. Bank fees and charges may apply. | Other | Variable |
| Early Repayment Adjustment Fee — Fee charged when a customer makes a repayment on the loan prior to the scheduled reset date (irrespective of the circumstances causing the early repayment) and the Bank makes a loss due to the pre-payment | Event | Variable |

## Features

- **Digital banking** (Manage in CommBiz: View all your accounts in one place with CommBiz, keeping your banking and administration fast and straightforward.)
- **Agri Green Loan: Access agri finance for eligible new environmental projects on your farm. Features & benefits - Future-proofing: Invest in projects that can help reduce your emissions and build resilience to climate change. Specialised business support: Dedicated and tailored support when you need it, delivered in a way that works for you. Understanding agri finance: Agri finance, or agricultural finance, refers to specialised financial services and products for the agricultural sector, including farmers. Our Agri Green Loan is one of the many ways we can support our Agribusiness customers. Safeguard for future generations: Investing in sustainable practices can help you make the most of your land today and prepare for the future through projects like: Soil sequestration and development of carbon sinks, Converting degraded land to improve soil quality, Planting trees or installing shelter belts, Improving management of waste, Switching to regenerative farming practices, Deploying precision use of fertilisers. To confirm if your proposed farming project is eligible, request a callback from an Agribusiness Executive.**
- **Business Green Loan: A green lending finance solution that may help reduce your emissions, build climate change resilience and protect our natural resources. Future proofing: Invest in equipment and business practices that help improve the efficiency of your business and reduce costs. Specialised business support: Dedicated and tailored support when you need it, delivered in a way that works for you. What is green lending: Green lending refers to loans or financing provided for environmentally friendly projects or initiatives, such as renewable energy projects (e.g. solar, wind, hydro), energy-efficient buildings or fit-outs, sustainable agriculture, electronic vehicles or waste reduction and recycling initiatives. If the initiatives meet certain environmental or sustainability criteria, borrowers may be offered more competitive lending terms, such as lower interest rates.**
- **Market Rate Loan: A highly flexible loan with transparent pricing to support your business to grow, and repayment options to meet your cash flow cycle. For businesses that: Want to borrow more than $500,000, Are medium-to-large in size, Want flexibility in how they structure their loan, You'll need to speak to your relationship manager or a business banker.**
- **How a Market Rate Loan works: It's for businesses that want to have the flexibility to have multiple loans within one facility that has an overall limit starting from $500,000. It has a transparent interest rate linked to the Bank Bill Swap Bid rate (BBSY - published daily in the newspaper). Choose a rollover period between 1 and 6 months. At the end of each rollover period, your interest rate will update based on the current BBSY. Set different repayment schedules for each loan within the facility to suit your business cash flow. Get expert advice from our Global Markets specialists to help you minimise your exposure to market interest rate fluctuations.**
- **Flexibly structure your loan: The Market Rate Loan facility supports up to 25 participating entities. You can allow your entities to manage their individual cash flow requirements.**
- **Customise your repayments and security: Make interest only or principal plus interest repayments based on your business needs, and the type of investment you're making. Loans can be fully secured, partially secured or unsecured. Secure your loan with residential property, commercial property or other business assets.**
- **Manage interest rate risk: Structure your loan to flexibly manage cash flow and your exposure to market rate changes. For example, one of your loan accounts may have a 6 month reset period, while another may have a 1 month reset period. Choose to pay a fixed interest rate, or explore a range of Interest Rate Risk Management (IRRM) options offered by our Global Markets team. IRRM structured solutions are available on loan accounts of $500,000 or more.**

## Eligibility

- **Business customers** (Eligible businesses include: Medium to large sized Australian businesses and not-for-profit organisations. You must use the loan for business purposes only. You must meet the Bank's lending policies and credit risk requirements. You're more likely to be approved if: You haven't been overdrawn or had your account in arrears anytime in the past 3 months, You haven't been declared bankrupt in the last 5 years, You haven't had any accounts in collections in the past 6 months, You have a minimum 30% deposit as well as cash reserves to demonstrate that you can operate the business for at least the first 3 months.)
- **Applications for finance are subject to the Bank's normal credit approval. Full terms and conditions and applicable fees are included in the Loan Offer. Bank fees and charges may apply.**
- **Eligibility Conditions for Agri Green Loan: You can apply if you: Are a registered Australian business that is a sole trader, partnership, trust, limited or proprietary limited company, Have a cash balance or loan balances of more than $1 million, Have a demonstrated farming related income, Are applying to finance an eligible environment project - speak to us to see if your plans are eligible. You're more likely to be approved if: You haven't been overdrawn or had your account in arrears anytime in the past 3 months, You haven't been declared bankrupt in the last 5 years, You haven't had any accounts in collections in the past 6 month, Your business doesn't have a tax debt or tax arrears with the Australian Taxation Office (ATO). This product is only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank's eligibility and suitability criteria and normal credit approval processes. The Agri Green Loan may be subject to verification of the environmental improvement of which the funds are used for. Environmental project eligibility for the Agri Green Loan is assessed as part of the Bank's eligibility criteria and normal credit approval processes. In order to qualify you must demonstrate the use of the loan proceeds towards an eligible purpose.**
- **Business Green Loan: How do I qualify: To qualify for our Business Green Loan, you must use your loan for an eligible asset or project such as: Renewable energy e.g. solar, wind, hydropower and batteries, Clean transport e.g. electric vehicles and charging, Energy efficient assets e.g. highly efficient motors, lighting, heating and cooling, Green building upgrades e.g. low e-glazing, insulation and air source heat pumps, Circular economy adapted products e.g. recycling, refurbishment and composting, Environmentally sustainable management of living natural resources and land use, Sustainable water and wastewater management including water efficiency and groundwater pollution prevention. This product is only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank's eligibility and suitability criteria and normal credit approval processes. Business Green Loan is a BetterBusiness Loan or Market Rate Loan and you should refer to the Current Terms and Conditions for Business Finance and consider these before making any decisions about the Business Green Loan. Full terms and conditions, interest rates and fees are included in the loan offer. Rates are subject to change. Bank fees and charges may apply. We may approve other assets or projects depending on your business. Speak to your Business Banker or request a callback to discuss any proposals.**

## Constraints

- **Minimum limit** — $500,000.00 (The facility has an overall limit starting from $500,000.)

## More information from CommBank

- [Overview](https://www.commbank.com.au/business/loans-and-finance/market-rate-loan.html)
- [Terms & conditions](https://www.commbank.com.au/important-info/business/business-finance.html?ei=gsa_generic_business-finance-terms-and-conditions)
- [Eligibility](https://www.commbank.com.au/business/loans-and-finance/market-rate-loan.html)
- [Fees & pricing](https://www.commbank.com.au/business/loans-and-finance/rate-fee-definitions.html#market)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `502592a38a0546d9a604f098b23f3a22`
- Last updated by the provider: 12 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/502592a38a0546d9a604f098b23f3a22
- Provider page: https://www.cdrcompare.au/brands/commbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/502592a38a0546d9a604f098b23f3a22) — 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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