What the banks actually publish.
Advertised business lending rates, read live from each lender’s own Consumer Data Right feed rather than retyped by us. Secured and unsecured, updated hourly. It is a benchmark, not a quote, and the lenders who price the hardest deals are not in it.
The gap worth knowing
Between the lowest secured rate and the lowest unsecured rate in the table below. Security, structure and how the application is presented move the number far more than shopping the advertised rate does.
| Lender | Product | Security | Type | Rate from |
|---|---|---|---|---|
| Judo Bank | Judo Business Loan | Secured | Variable | 5.01% |
| Suncorp Bank | Business Essentials Loan | Secured | Fixed · 12mo | 6.64% |
| Suncorp Bank | Business Essentials Term Loan Special Offer | Secured | Variable | 6.74% |
| Great Southern Bank | Business+ Vehicle Loan | Secured | Fixed · 84mo | 6.79% |
| Bendigo Bank | Commercial Loan | Secured | Fixed · 24mo | 6.85% |
| CommBank | BetterBusiness Loan | Unsecured | Variable | 7.29% |
| NAB | NAB Business Options Loan | Secured | Variable | 7.85% |
| CommBank | Hire Purchase | Secured | Fixed · 12mo | 8.29% |
| CommBank | Equipment Loan | Secured | Fixed · 12mo | 8.29% |
| Suncorp Bank | Business Line of Credit (Commercial Business, Agribusiness and Small Business) | Secured | Variable | 9.24% |
| Great Southern Bank | Business+ Loan | Secured | Fixed · 12mo | 10.95% |
| NAB | NAB QuickBiz Loan | Unsecured | Fixed · 12mo | 12.95% |
Rates published by each lender through the Consumer Data Right (Open Banking) Product Reference Data APIs, current as at 29 August 2026. Advertised rates only. They are not offers, are not specific to your business, and the rate you are offered depends on the lender’s assessment of your application. Not every lender publishes business lending through the CDR, and non-bank and private funders are not covered by it at all. Black Mountain Financial is not a lender. ACL 570391.
The advertised rate is the easy part. Which of these will actually approve your deal, and what the non-bank market is pricing where the CDR cannot see, is the conversation worth having.
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Business loan rates, answered plainly.
- Where do these business loan rates come from?
- Directly from each lender, through the Consumer Data Right (Open Banking) Product Reference Data APIs. That is the same data the banks are required to publish, read live rather than retyped by us. The page shows when it was last fetched.
- Are these the rates I would actually get?
- No. They are advertised rates, not offers. What a lender prices for your business depends on security, trading history, servicing and how the application is presented. Treat the table as a benchmark for the market, not a quote.
- Why is the unsecured rate so much higher than the secured rate?
- Because the lender has no asset to fall back on. That gap is usually the single largest number in the table, and it is often the thing worth solving before the rate is negotiated. Offering security you had not considered can be worth more than shopping the advertised rate.
- Does this cover equipment and asset finance?
- No. The CDR covers authorised deposit-taking institutions, and most equipment and asset finance in Australia is written by non-bank financiers who do not publish through it. For asset finance the published rate tells you very little, which is why we do not publish one.
- Which lenders are missing from this table?
- Any lender that does not publish business lending through the CDR, and every non-bank and private credit funder, none of which are covered by it. Our panel is considerably wider than this table.
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