Business Loan

Now it’s easier than ever to start, grow or restructure an Indigenous small business in Australia. With our Business Loan Package, we’ll assist you with working capital requirements, purchase of existing businesses, plant and equipment, and other commercial assets. So you can start planning your business future right now.

Loan amount $10,000 – $5,000,000
Loan repayment options Monthly Principal and Interest reducing, with an Initial Interest Only Period followed by monthly Principal and Interest reducing, Balloon Repayments, Seasonal Repayments
Loan term Maximum 20 years
Fees Nil application and line service fees
Variable interest rate Competitive variable rate interest rates
Security Minimum security requirements of general security agreement, director’s guarantee and specific security agreement over tangible assets (where applicable).
Cash flow To meet cash flow requirements of your business including: cover timing differences in debtor/creditor payments, up front contract costs or to purchase business assets.
Flexible repayments Initial interest only period to assist the business, structured to suit the purpose and cash flow of the business. For example, seasonal repayments are available for agricultural or seasonal weather affected businesses to meet cash flow fluctuations.
Commercially viable business model.
Other standard IBA Policy and Credit criteria apply.
 Flexible loan terms structured to suit the purpose and cash flow of the business


View our Business loan flyer (PDF 87KB)

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