Log on

Business Loans

Whether you're expanding, investing or managing cash flow, we've got a loan for you. Enquire now to make it yours.

  • Home
  • Business
  • Business Loans

Finance that enables your growth

Every business has different goals and we’re here to help you reach yours. Whether you're expanding your operations, investing in new equipment or managing cash flow, our business loan options are designed to support your ambitions at every stage.

From commercial property finance to working capital solutions, we offer a range of flexible lending options with competitive rates and repayment terms that work for you. Backed by an experienced Business Banking team with the knowledge and experience to support you to take the next step with confidence.

At The Mutual Bank, we understand the challenges and opportunities that come with running a business and believe in building long-term partnerships that help businesses and regions to thrive. That’s why we offer lending solutions that are not only practical but also built around your long-term success. Let’s grow together.

Interest Rates

Interest rates vary depending on the loan product and your business circumstances. For the most current rates, please refer to our Business Loan Interest Rates page.

 

Calculators

Ready to plan your next step? Our easy-to-use calculators can help you estimate your repayments and understand how much you could borrow, so you can move forward with confidence.

View all our online calculators →

Ready to Grow Your Business?

Our team is here to help you navigate your business's financial journey. Partner with The Mutual Bank and take the next step in your business's success story.

  • Enquire Online

    Submit an enquiry and we'll get back to you promptly.

  • Call Us

    Speak directly with our business banking specialists at 1300 688 825.

  • Visit Us

    Find your nearest branch and discuss your needs in person.

You're gonna love us

The Mutual Bank has been supporting regional communities with trusted banking for over 135 years

We’re proudly customer owned, which means we exist to benefit you. Not external shareholders. Whether you're opening your first account or planning for the future, we’re here with genuine service, great-value products and the kind of care only a mutual can offer.

Looking for something else?

View and compare our Business Savings Accounts

Need more support? We're here to help

  • Speak to a local

    Connect to our Hunter based team in minutes during business hours.

  • Make an enquiry

    Send us your request or feedback anytime using our secure online forms.

  • Explore FAQs

    Looking for a quick answer? Browse our most frequently asked questions.

  • Secure Message

    Securely message our local Contact Centre Team through the Mutual App or Internet Banking.

  • 1 Fully secured by residential property. Interest margin may apply.
  • 2 Interest margin may apply.

*Special offer applies to those who are eligible. Available for New Business only with minimum loan amount of $250,000. Principal and Interest loans, maximum Loan-to-Value-Ratio (LVR) of 80%. Loans can only be residentially secured. Offer can be withdrawn at anytime.

We have not considered your objectives, financial situation, or needs. You should consider these things, along with the Product Disclosure Statement and our product Target Market Determinations before making any decision to acquire a product.

Eligibility criteria, conditions, fees, and charges apply to all loans.

All loans are subject to The Mutual Bank’s lending guidelines. Full details of Terms and Conditions are available on application. Fees and charges may apply. The above rates are used as a basis to determine the annual percentage rate charged on all relevant loans and may vary depending on our credit risk assessment. As a result, the rates quoted may not necessarily be the rate applicable to the loan we offer you.

The Mutual Bank

Personal

Transaction accounts
Savings accounts
Home loans
Personal loans
Credit card
Insurance

Business

Business accounts
Business savings
Business loans

Help

Contact us
Lost or stolen cards
Scams and fraud
Financial hardship
Compliments and complaints
Accessibility

About

Our values
Latest news
Community
Sponsorship

Follow us

Any advice or information on this site does not take into account your personal objectives, financial situation, or needs and you should consider whether it is appropriate for you. Please review our Product Disclosure Statement, Target Market Determinations, Terms and Conditions, Financial Services Guide, and Credit Guide before deciding to acquire a product.

Eligibility and lending criteria, conditions, fees, and charges apply to all loans. Interest rates, fees, and charges may change without notice. Information is current as at date of appearance and is subject to change. We use reasonable efforts to provide accurate and up to date information. However, mistakes may still occur from time to time, and we cannot guarantee that this website is free from any errors, inaccuracies or omissions. Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

Download our app

Apple app store Google play store

Aboriginal flag Torres straight island flag
We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which The Mutual Bank operates and where our team members reside.