Loans and Finance
NBS Business
Flexi Loan
Pictured: Phil Gibson, owner of Westimber and NBS Greymouth Branch Manager, Karen Atkison
For total flexibility combine your business loan and transactional banking into one easy to manage account
Access working capital to help your business grow
A maximum credit limit is applied to your NBS Business Flexi Loan (based on our lending criteria) that you can repay, redraw or reduce at a pace that suits your needs.
All borrowings are based on NBS' current Business Flexi Loan variable interest rate with interest charges calculated daily (and debited monthly). With a variable rate the interest charged on your NBS Business Flexi Loan can go up or down, depending on market changes.
The NBS Business Flexi Loan has a maximum loan term of three years.
A debit balance on this account is eligible as part of the Depositor Compensation Scheme (DCS). Learn what other NBS accounts are eligible.
Talk to one of our lending specialists today.
Rates and fees
| NBS Business lending rates | |
|---|---|
| 6 months fixed | 5.84% p.a. |
| 1 year fixed | 5.34% p.a. |
| 2 year fixed | 5.34% p.a. |
| Variable* | 7.49% p.a. |
| NBS Flexi Loan variable interest rate | 7.99% p.a. |
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Interest rates are current as of 3 December 2025 and subject to change at any time without notice. NBS lending criteria and specific terms and conditions apply. Margins, discounts and fees may apply. For new loans or refixes, rate may be subject to change prior to drawdown. NBS home loan rates are available for residential owner-occupied or investment property loans only. * Effective rate for new clients 3 December 2025. Effective rate for existing clients from 19 January 2026. |
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| NBS Business Flexi Loan fees | |
|---|---|
| Monthly base fee | $15.00 |
| EFTPOS withdrawal | $0.50 |
| Other bank ATM transaction fee | $1.50 |
| Manual transactions: includes staff assisted transactions and online banking transactions | $0.50 |
| Loan establishment fee | 1.00% (mimimum charge $500) |
| Loan additional funds | 1.00% of increase limit (minimum charge $250) |
| Discharge mortgage fee | $50.00 |
| Default interest rate | 10.00% p.a. above annual interest rate |
| Default administration fee | $45.00 per event |
| Unarranged excess fee | $25.00 |
| Dishonour fee | $15.00 |
| Insurance arrears payment fee | $25.00 |
| Rates arrears payment fee | $25.00 |
| Motor vehicle security variation or security swap fee | $30.00 |
| Duplicate statement fee | $5.00 |
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Fees are subject to change. |
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Terms and Conditions
All lending is subject to NBS lending criteria, as well as the terms and conditions for each specific product. These are available free of charge from any NBS branch. Establishment fees and NBS service fees may also apply.
This facility is periodically reviewed and you may be required to provide an updated valuation and income verification.