Home
Business

Business Loans and Finance

Get the right finance to manage and grow your business.

LIMITED TIME OFFER

IMB BUSINESS LOAN FROM

6.25

% p.a

VARIABLE RATE*

Rate shown is for loans with residential security and P&I repayments. Loan amounts $1M–$5M. LVR <60%.
Other rates available for 60-80% LVR or Commercial Security.

Business Loan

LIMITED TIME OFFER

IMB BUSINESS LOAN FROM

6.25

% p.a

VARIABLE RATE*

Rate shown is for loans with residential security and P&I repayments. Loan amounts $1M–$5M. LVR <60%.

Other rates available for 60-80% LVR or Commercial Security.

Similar to a mortgage, your business can borrow an amount secured by property (residential or commercial) and repay it on a predetermined schedule, with interest.


Our business banking managers can help you structure a loan in a way that suits your business and cashflow needs.

Key features

Rates & Fees

Borrow up to $2m

Equipment Finance

For your business to grow, you need the right equipment. We’ve partnered with Angle Finance to offer secured finance for equipment purchases3.


Motor vehicles or yellow goods

For any asset on wheels or tracks, from commercial vehicles (up to 4.5 tonnes) to excavators, backhoes, forklifts and mowers.


Secondary and tertiary assets

Industrial, medical, planting, printing, IT and office equipment

Key Features

  • Loans from $10,000 to $2,000,000
  • Options for all business types, including low documentation or new ABN holders
  • Flexible loan terms and payment schedules to suit your business
  • Fixed rate repayments for easy cash flow planning

Borrow up to $500k

Overdraft

A Secured or an Unsecured Business Overdraft works in conjunction with your IMB Business Transaction Account to assist you with the day-to-day working capital requirements of your business.


  • Up to $20,000 for an Unsecured Overdraft
  • Up to $500,000 for a Secured Overdraft
  • Secure with residential, commercial or industrial property

Key features

Rates & Fees

free up working captial

Performance
Guarantee

We can provide a contract retention or lease bond through our Performance Guarantee to free up your working capital for business operations. This is secured by property mortgage or funds held on deposit.

Key features

help Centre

Get help for your business, no matter what stage it’s at.

Start
Write a business plan, set up your business or hiring new employees
Run
Insure and protect your business from fraud
Finance
Financing your business growth, manage staff

business support

Dedicated Business Banking Managers

No business is like the other. That’s why we provide a dedicated Manager for our Business Banking clients. With decades of experience, they’re there for you when you need them to help your business grow.

Your security, our priority

Security is a fundamental right for our customers, and we hold it as one of our core values.

why us

IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years.

Find out more

Important Information

General  

Information current as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply and available upon request.  

Interest rates are for new applications only and they are not available for refinance of existing IMB loans. A borrower margin may apply.  

*Available for a limited time on new Fully Drawn Commercial Loan applications received from 05/09/2024 until offer is withdrawn. For loan amounts $1M-$5M with
an LVR <80% and P&I repayments. Offer is not available for non-standard securities, SMSF and D&C loans, or refinance of existing IMB loans. Different lending criteria and
establishment fees may apply to business loans with a higher LVR, interest-only repayments or for loan amounts <$1M.

Rates and Features  

1. Minimum redraw $500.  

2. Fixed interest rates are indicative and may vary on settlement. All fixed rate loans convert to a variable rate at the end of the fixed rate loan term. 

3. The information presented about Angle Finance products is factual only and is not intended to imply any recommendation or opinion by IMB about Angle Finance products. Equipment finance is provided by Angle Finance, a trading name of ACN 603 303 126 Pty Ltd, ABN 98 603 303 216. All applications are subject to Angle Finance lending criteria, terms and conditions, and must be for business purposes. IMB is not a Credit Representative for Angle Finance and is not able to give advice about Angle financial products. You should consider the relevant Angle Finance terms and conditions before deciding whether to acquire any products or services. IMB receives a commission from Angle Finance when an IMB customer purchases Angle Finance products.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.