What sets a small business loan rate in Australia, how the main loan types compare, and the rules that apply in 2026.
A small business loan in Australia is priced from the lender's cost of funds plus a margin for risk, security, term and administration, with fees on top. Two lenders can quote the same business very different rates because they weigh security, trading history and industry differently. These guides break the price into its parts so you can see which levers you control.
Start with the overview of small business loan rates, then compare secured and unsecured loans, overdrafts and lines of credit, invoice finance and equipment finance. The fees guide covers establishment, line, early repayment and break costs. Two guides deal with the rules: which consumer protections do and do not apply to business borrowing, and government-backed finance.
Rates on this site are illustrative examples, not current market offers. The Reserve Bank's cash rate is quoted with its date and source; lender pricing changes often, so always check the offer documents you receive.
Rates, Costs and 2026 Rules
Every fee an Australian small business loan can carry, what it should cost you in dollars, how break costs work and how to turn fees into a true annual cost.
Rates, Costs and 2026 Rules
Which laws and codes apply to Australian small business loans in 2026: consumer credit exclusions, ASIC Act protections, unfair contract terms and the 2025 Banking Code.
Rates, Costs and 2026 Rules
How Australian business overdrafts, lines of credit and term loans are priced, with a worked example of limit fees versus interest and a decision checklist.
Rates, Costs and 2026 Rules
How chattel mortgages, finance leases and hire purchase compare for Australian businesses buying vehicles and equipment, with balloon payment arithmetic.
Rates, Costs and 2026 Rules
Federal and state finance programs for Australian small businesses in 2026, including exporters, farmers, Indigenous businesses and clean energy, and how to check eligibility.
Rates, Costs and 2026 Rules
How invoice factoring and invoice discounting work for Australian small businesses, how the fees add up, and when debtor finance beats an overdraft.
Rates, Costs and 2026 Rules
How property-secured, GSA-secured and unsecured business loans differ in Australia, with a worked cost comparison and a checklist for choosing security.
Rates, Costs and 2026 Rules
How Australian lenders price small business loans in 2026, from the RBA cash rate to margins, security, fees and term, with worked cost examples.
