Market Rate Loan

Business LoansNegotiable ratesData Sharing Status

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

Interest Rates

Type	Rate	Comparison	Applies To
Market linked Rates and fees differ based on the type of security you provide for your loan, your loan amount and other factors. We'll confirm what they are in your Letter of Offer. 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.	0%	—	—

Fee	Type	Amount
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
Line fee Charged monthly · Rates and fees differ based on the type of security you provide for your loan, your loan amount and other factors. We'll confirm what they are in your Letter of Offer.	Ongoing	Variable
Loan establishment fee Rates and fees differ based on the type of security you provide for your loan, your loan amount and other factors. We'll confirm what they are in your Letter of Offer.	Upfront	Variable
Other fees apply Rates and fees differ based on the type of security you provide for your loan, your loan amount and other factors. We'll confirm what they are in your Letter of Offer.	Other	Variable
Usage Fee Rates and fees differ based on the type of security you provide for your loan, your loan amount and other factors. We'll confirm what they are in your Letter of Offer.	Other	Variable

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.
How a Market Rate Loan works: It has a transparent interest rate linked to the Bank Bill Swap Bid rate (BBSY - published daily in the newspaper)
How a Market Rate Loan works: 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.
How a Market Rate Loan works: Set different repayment schedules for each loan within the facility to suit your business cash flow.
How a Market Rate Loan works: 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.

Business customersEligible businesses include: Medium to large sized Australian businesses and not-for-profit organisations.
Applications for finance are subject to the Bank's eligibility and suitability criteria and normal credit approval process.
Eligible businesses include: You must meet the Bank's lending policies and credit risk requirements.
Eligible businesses include: You must use the loan for business purposes only.
You're more likely to be approved if: You have a minimum 30% deposit as well as cash reserves to demonstrate that you can operate the busines for at least the first 3 months.
You're more likely to be approved if: You haven't been declared bankrupt in the last 5 years.
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're more likely to be approved if: You haven't had any accounts in collections in the past 6 months.

Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID d7c55e295f504692a54360f0d2092c24 · View on CDR.gov.au