Loans & Finance



NBS clients - Trevor and Mike – The Copier Company

For total flexibility combine your business loan and transactional banking into one easy to manage account.

How a Business Flexi Loan works

A maximum credit limit is applied to your Business Flexi Loan (based on NBS Lending Criteria) that you can repay, redraw or reduce at a pace that suits your needs. 

All borrowings are set at the NBS’ current variable interest rate and calculated daily (debited monthly).  With a variable rate the interest charged on your Business Flexi Loan can go up or down, depending on market changes. 

You also have the flexibility to increase repayments whenever you like, or to make lump sum payments.

Talk to one of our Lending Specialists today.

Rates & Fees

NBS Business Lending Rates
Fixed interest rates start from 6.55% p.a.
Variable and Flexi interest rates start from 6.95% p.a.

Interest rates are current from 22nd June 2022 and subject to change. 


Business Flexi
Monthly Base Fee $15.00
EFTPOS withdrawal $0.50
Other Bank ATM Transaction fees $1.50
Manual Transactions (include cash withdrawals and external transfers) $0.50
Loan Establishment Fee 1.00% (minimum 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 $30.00
Insurance Arrears Payment Fee $25.00
Rates Arrears Payment Fee $25.00
Motor Vehicle Security Variation/Security Swap Fee $30.00
Duplicate Statement Fee $5.00

Fees are subject to change.

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.