---
title: "Fully Drawn Commercial Loan — IMB Bank"
description: "Business Loans from IMB Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/imb-bank/products/BL-3-1
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-29T00:00:00+10:00
---

# Fully Drawn Commercial Loan — IMB Bank

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

**Business Loans**

IMB’s Fully Drawn Commercial Loans are designed with flexibility to help you achieve your business goals, whether it’s to establish your business or grow your investments. IMB’s commercial loan options include fixed or variable interest rates or a combination of both.

## At a glance

- **From:** 6.69% (Variable)

## Apply

Applications are handled by the provider: [Apply at IMB Bank](https://www.imb.com.au/business-banking-loan-enquiry)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Residential Security) | 6.69% | — | <80% LVR |
| Fixed · 1 year (1 year fixed rate - Residential Security) | 6.74% | — | — |
| Fixed · 2 years (2 year fixed rate - Residential Security) | 6.84% | — | — |
| Fixed · 3 years (3 year fixed rate - Residential Security) | 6.84% | — | — |
| Variable (Commercial Security) | 6.85% | — | <80% LVR |
| Variable (Commercial Security. No monthly fee. Available via third party and broker channels only.) | 6.95% | — | <80% LVR |
| Fixed · 4 years (4 year fixed rate - Residential Security) | 6.99% | — | — |
| Fixed · 5 years (5 year fixed rate - Residential Security) | 6.99% | — | — |
| Fixed · 1 year (1 year fixed rate - Commercial Security) | 7.24% | — | — |
| Fixed · 2 years (2 year fixed rate - Commercial Security) | 7.34% | — | — |
| Fixed · 3 years (3 year fixed rate - Commercial Security) | 7.34% | — | — |
| Fixed · 4 years (4 year fixed rate - Commercial Security) | 7.49% | — | — |
| Fixed · 5 years (5 year fixed rate - Commercial Security) | 7.49% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly Fee — Charged monthly | Ongoing | $30.00 |
| Application fee — Percentage of the facility limit | Upfront | 0.5% of balance |

## Features

- **Redraw facility**
- **Digital banking** (Internet Banking and Mobile Banking App.)
- **Notifications** — IMB Alerts (IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.)
- **Direct Credit is available on this account type.** — Direct Credit
- **Receive only** — Scheduled Payments
- **Receive Electronic Funds Transfers (EFT) to this account type.** — Receive Electronic Funds Transfers
- **IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.** — Branch
- **IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm** — Phone Banking Operator Assisted
- **Split loan available.** — Split loan
- **Real-time payments (NPP)** (This account type is enabled to recieve Osko payments, via the New Payments Platform (NPP) only. Osko is the faster way to receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can  be paid in a matter of seconds)
- **Extra repayments** (Unrestricted additional repayments for variable loans)
- **Extra repayments** (Up to 12 months repayments in advance without penalty for fixed loans)

## Eligibility

- **Business customers**
- **Lending criteria, terms and conditions apply**

## Constraints

- **Minimum limit** — $20,000.00
- **Maximum limit** — $5,000,000.00
- **Minimum LVR** — 0%
- **Maximum LVR** — 80%

## More information from IMB Bank

- [Overview](https://www.imb.com.au/business/business-loans)

## Data provenance

- Published by IMB Bank under the Consumer Data Right
- Product ID: `BL-3-1`
- Last updated by the provider: 28 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/imb-bank/BL-3-1
- Provider page: https://www.cdrcompare.au/brands/imb-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000096

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/imb-bank/products/BL-3-1) — 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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