Business loans
First Business 3Loan
A three-year business loan built for company borrowers who need extra flexibility and fast turnarounds, with options for both residential and commercial security.
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A good fit for
Company borrowers with complex needs
Businesses that fall outside standard policy but need a workable, long-term solution.
Borrowers consolidating large or unusual debts
Including ATO debts, multiple facilities, or higher-risk commitments rolled into one loan.
Non-standard borrowers
From discharged bankrupts to non-resident borrowers, clients who can’t access traditional lending but have a viable path forward.
Features & benefits
- Borrow up to $5,000,000
- Up to 75% LVR
- Self-declared income
- Unlimited cash out available
- Unlimited debt consolidation (including tax debts)
- No postcode restrictions
- No minimum credit score
- Non-resident borrowers considered
- SMSF available
- Principal and interest or interest only (max I/O period 3 years)
Loan details
Loan purpose
Business lending, investment purchase, refinance
Loan term
Up to 3 years
Loan amount
$250,000 – $5,000,000
Maximum LVR
75%
Interest rate type
Variable interest rate
Payment type
Principal and Interest or interest only (max I/O period 3 years)
Payment frequency
Monthly, fortnightly or weekly
Security
1st mortgage over residential property or commercial property (exclusions apply)
Security locations
All locations considered
Extra payments
Permitted (with no penalty)
Broker commissions
Up front (for new to organisation clients) – 0.20% of loan amount
Trail ( paid once > $3m in active loans held) – 0.25% pa (paid monthly)
Good to know
Our business loans are classified as non-code, which means they’re regulated differently and designed specifically for business or investment purposes, rather than personal use.
Click here to view our product suitability notice.
Loan fees
Application fee
0.95%
Upfront cost payment
higher of $1,950 or 0.2% of loan amount
Risk fee
1.2%
Valuation fee
At cost
Ongoing fees
vacant land 0.2% pm; other securities 0.1% pm
Discharge fee
$880
Rates correct as of August 2025 and are subject to change at any time.
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