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BUSINESS LOANS

From small to jumbo
loans

scenarios business loans

Business loans

Our commercial loans are built to cover the full spectrum of borrower needs. With Prime, Near Prime and Specialist options, brokers can find the right fit quickly and confidently — including cash out and debt consolidation to help clients get ahead.

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businessloan scenario inset

What gives our business loans an edge

Longer term loans

Our business loans are designed to give company borrowers what they need — whether you’re expanding operations, buying investment property, or refinancing existing business debt.

Fast turnaround

Business opportunities don’t wait, and neither should you. Our fast turnaround business loan is built for speed and flexibility.

Big goals and complex scenarios

Need more than standard solutions? Our Specialist and Jumbo Loans are designed to make the tough deals possible.

Our business loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Business 30
(Commercial)

6.84% paUp to 80%$3,000,000Our versatile, long-term business loan. Designed for self-employed borrowers with strong income evidence and a clear path forward.More
Security type LVR Max amount Rate From
Residential security
(If non-metro reduce LVR by 5%) 		<50% $3,000,000 6.84%
<60% $3,000,000 7.14%
<70% $3,000,000 7.14%
<80% $3,000,000 7.64%
Term up to 30 years
Cost payment Higher of $1,950 or 0.2%
Establishment fee 0.95%
Legal fees at cost
Valuation fees from $880
Risk fee <60% LVR - 0.75%
70 - 80% LVR - 1.25%
Ongoing fees 0.1% per month
Interest only loans 0.30% buffer applied
Jumbo Loans > $2M n/a

First Business 3
(Commercial)

7.64% paUp to 75%$5,000,000A three-year business loan designed to help company borrowers secure funding quickly.More
Security type LVR Max amount Rate From
Residential security
(House & town house max 75%, unit max 70%) 		<50% $5,000,000 7.64%
<60% $5,000,000 7.84%
<75% $5,000,000 8.44%
Commercial property
(if not leased reduce LVR 5%) 		<50% $5,000,000 7.84%
<70% $5,000,000 8.24%
Residential land <60% $3,000,000 9.49%
Term up to 3 years
Cost payment Higher of $1,950 or 0.2%
Establishment fee 0.95%
Legal fees at cost
Valuation fees from $880
Risk fee 1.20%
Ongoing fees Land - 0.2% per month; Other - 0.1% per month
Interest only loans Standard rates apply
Jumbo Loans > $3M LVR reduced by 5% and 0.50% interest rate
buffer applied

First Business Jumbo
(Commercial)

7.84% paUp to 65%$10,000,000A jumbo size non code loan, designed to provide company borrowers with interest only, fast funding.More
Security type LVR Max amount Rate From
Residential security <50% $10,000,000 7.84%
<60% $10,000,000 8.34%
<65% $10,000,000 8.94%
Commercial property <50% $10,000,000 8.34%
<60% $10,000,000 8.74%
Residential land <45% $5,000,000 9.99%
Term min 6 months, up to max 3 years
Cost payment 0.2% of loan amount
Establishment fee 0.95%
Legal fees at cost
Valuation fees at cost
Risk fee 1.30%
Ongoing fees Land - 0.2% per month; Other - 0.1% per month
Interest only loans Standard rates apply
Jumbo Loans > $3M n/a
Loans $10M - $25M will be priced upon application

Rates correct as of October 2025

Compare
loan solutions

Quickly compare flexible options designed to deliver the right outcomes for your customers.

Loan ComparisonDownload Product Guide

How brokers win with First Federal

Real examples of how we’ve helped brokers move loans from scenario to settlement.

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Case Study

Self-employed borrower approved with alt doc

More
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Case Study

Debt consolidation to reduce repayments

More

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