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Business finance solutions
Business Finance Solution
As your business grows and opportunities arise, St.George Institutional and Business Bank can deliver the right finance solutions, rather than simply handing you an off-the-shelf package.
Whether you're looking to restructure or expand your business, overhaul the way you manage your cash flow or you simply need a hand managing your debtors, our Relationship Managers work to make your life easier and add genuine value to your business.
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Business Umbrella
Business Maximiser
Commercial Overdraft
Fixed Rate Loans
Variable Rate Loans
Construction Loan
Bank Guarantee and Performance Bonds
Commercial Line of Credit
Bank Bills
Cashflow Finance
BusinessVantage Visa Card
Corporate MasterCard
Equipment Finance
Car Finance
International Trade Finance
Business Umbrella
Business Umbrella is a new flexible loan mix that can give you access to approved credit instantly. From Business Loans to Bank Guarantee and Trade Finance Facilities, it has got your business lending needs covered in one.
To find out more call 133 800 or click here for more information.
Business Maximiser
The St.George Business Maximiser is the line of credit that works with you, to help you get ahead. One of the advantages is that you can pay off your business debt faster.
Even when you've paid off your loan, it will keep on working as a flexible credit limit that you can use to take advantage of any other opportunities that might arise.
This is an all in one lending account. It allows you to do your day-to-day transactions, as well as borrow money for your business all from the same account. By using your residential property as security, the Business Maximiser allows you to borrow money at lower rates.
At a glance
- Allows you to combine your working accounts and loan accounts into one
- Save interest by depositing your income directly into your account
- Keep your credit limit open for new opportunities
- Fifteen free transactions a month
- Access your funds in a variety of ways including cheque, online, telephone banking or in a branch
- Link your account to Business Banking Online for access 24 hours, 7 days a week*
- Variable interest rate
You can use the Business Maximiser for all your banking, with no fixed monthly repayments required. To find out more call 1300 781 605 or email us for more information.
*Subject to systems availability
Commercial Overdraft
Fluctuating cash flows can make it difficult to manage everyday expenses. An overdraft gives you the flexibility to draw extra money when you need it.
Our Commercial Overdraft is an everyday transaction account with an approved facility limit that allows fully-fluctuating balances within this limit.
With a pre-approved credit limit, an overdraft can put you in the driving seat to manage fluctuating cash flows and help in a variety of common business situations.
At a glance
- Reduce timing differences between payment of creditors and receipt of money from your debtors
- Pay interest only on the funds you use
- Variable interest rate
- Fluctuating balance with no set repayments
- Access your funds in a variety of ways including cheque, online, telephone banking or via a branch
A Commercial Overdraft can generally be secured by a mortgage over residential or commercial security and in some cases, other supporting security. To find out more call 1300 781 605 or email us for more information.
Fixed Rate Loans
A fixed rate loan is a way for you to obtain finance for your business, with the added security of always knowing what your payments will be. It makes budgeting easier, because your cash flow forecasting and planning can be completed without the added pressure of managing fluctuations in the interest rate.
Our fixed rate loans are available as both Business Loans and Commercial Loans. With a Business Loan, you can use your residential property as security and access lower rates, whereas a Commercial Loan allows you to use various security options.
At a glance
- Various repayment options including paying your interest in advance
- Interest rate and payments fixed for the term of the loan, eliminating the risk of interest rate volatility
A fixed rate loan can be structured on an interest only basis or principal and interest fully amortising basis. Please contact your Relationship Manager, or call 1300 781 605 or email us for more information.
Variable Rate Loans
If you're looking for a more flexible interest rate option then a variable rate loan could be just the answer. That's because over the life of your loan, you might benefit from a downward movement in interest rates. At St.George, we have variable rate loans available as both Business Loans and Commercial Loans. The difference being that with a Business Loan you can use your residential property as security to access lower rates. With a Commercial Loan, you can choose from a variety of security options.
At a glance
- Flexible repayment terms
- Interest rates aligned to market movement
- You can make additional repayments, without incurring penalties
A variable rate loan can be structured on an interest only basis or principal and interest fully amortising basis. To find out more call 1300 781 605 or email us for more information.
Construction Loan
Our Construction Loan offers flexible finance options to suit the needs of property developers.
When negotiating property deals, timing and local knowledge can make all the difference. Our property finance specialists will work with you to create and implement customised finance solutions from the ground up. Our team includes local lenders whose expertise can provide valuable insights for both developers and investors, including knowledge of regulatory and statutory matters.
At a glance
- An 'Approval in Principle' property loan can help ensure you never miss an opportunity
- We can arrange for interest capitalisation subject to credit approval
- A prompt payment process to assist with cash flow
To find out more call 1300 781 605 or email us for more information
Bank Guarantee and Performance Bonds
Bank Guarantees and Performance Bonds ensure you don't have to provide cash deposits upfront. Additionally, your obligation is guaranteed by St.George Institutional & Business Bank. This way you avoid any impact on your business’ cash flow.
At a glance:
- Guarantee your payments to another party
- Free up your working capital for other investment or growth opportunities
To find out more call 1300 781 605 or email us for more information
Commercial Line of Credit
If you're ready to grow your business or want to take advantage of opportunities as they arise, a St.George Commercial Line of Credit is your answer. This facility lets your business borrow money at competitive rates by using a variety of security options.
A St.George Commercial Line of Credit gives you great flexibility because it allows your balances to fluctuate within the facility limit. You can determine how much you want and when you want it.
At a glance
- Save interest by depositing your income directly into your account
- Eight free transactions each month
- Various security options
- Access your funds in a variety of ways including cheque, online, telephone banking or in a branch
- Link your account to Business Banking Online for access 24 hours, 7 days a week*
- Variable interest rate
Please contact your Business Banker, or call 1300 781 605 or email us for more details.
*Subject to systems availability
Cashflow Finance
Cashflow Finance lets you access the money tied up in your outstanding invoices without the need for bricks and mortar security. It gives you the power to control your working capital so you no longer have to ride the peaks and troughs of irregular cash flow.
It's an outstanding way to fund business growth, develop new products or services, make acquisitions or complete business succession plans.
This facility usually allows you to draw down funding within 24 hours of an invoice being approved, instead of waiting weeks or months for your customers to settle their account.
At a glance:
- Provides working capital for your business
- Makes seasonal peaks easier to manage
- Borrowing limits is determined by your accounts receiveable
To find out more call 1300 781 605 or click here for more information.
