--- title: "Market Rate Loan — 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/d7c55e295f504692a54360f0d2092c24 source: "CDR Compare" language: en-AU last_updated: 2026-08-30T02:15:32.000Z --- # Market Rate Loan — 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. ## At a glance - **From:** 0% (Market linked) ## Apply Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/business/loans-and-finance/market-rate-loan.html?ei=MRL#apply) ## 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% | — | — | ## Fees | 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 | ## Features - **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.** - **Flexibly structure your loan : You can allow your entities to manage their individual cash flow requirements.** - **Manage interest rate risk : Structure your loan to flexibly manage cash flow and your exposure to market rate changes** - **Manage interest rate risk : For example, one of your loan accounts may have a 6 month reset period, while another may have a 1 month reset period.** - **Manage interest rate risk : Choose to pay a fixed interest rate, or explore a range of Interest Rate Risk Management (IRRM) options offered by our Global Markets team.** - **Manage interest rate risk : IRRM structured solutions are available on loan accounts of $500,000 or more.** - **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.** - **Customise your repayments and security : Loans can be fully secured, partially secured or unsecured.** - **Customise your repayments and security : Secure your loan with residential property, commercial property or other business assets.** - **Digital banking** (Customise your repayments and security : View all your accounts in one place with CommBiz, keeping your banking and administration fast and straightforward.) - **What are the features of Agri Green Market Rate Loan?Discounted finance for eligible new environmental projects on your farm. Other rates, fees,charges, lending criteria and T&C's apply.** - **What are the features of Business Green Market Rate Loan?Discounted finance for eligible new projects or assets.Other rates, fees, charges, lending criteria and T&C's apply.** ## Eligibility - **Business customers** (Eligible 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.** ## Constraints - **Minimum limit** — $500,000.00 ## More information from CommBank - [Overview](https://www.commbank.com.au/business/loans-and-finance/market-rate-loan.html?ei=btn_MRL) - [Terms & conditions](https://www.commbank.com.au/important-info/business/business-finance.html?ei=gsa_generic_business-finance-terms-and-conditions) - [Fees & pricing](https://www.commbank.com.au/business/loans-and-finance/market-rate-loan.html?ei=MRL#rates) ## Data provenance - Published by CommBank under the Consumer Data Right - Product ID: `d7c55e295f504692a54360f0d2092c24` - Last updated by the provider: 30 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/d7c55e295f504692a54360f0d2092c24 - 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/d7c55e295f504692a54360f0d2092c24) — product data published by Australian data holders under the Consumer Data Right. 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