St.George Commercial

St.George Commercial

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Everything you need to know about a St. George Commercial Loan

St.George has etched out a noteworthy niche for itself as a competitive mortgage lender with high-quality customer service. The bank is now building its offerings for commercial customers, again focusing on a combination of attractive interest rates and convenience for borrowers. Westpac purchased St.George in 2009, boosting the bank’s reputation as a subsidiary of one of Australia’s Big Four.

Key Benefits

  • Competitive interest rates
  • Can combine banking and borrowing facilities
  • Dependable customer service


  • Branches hard to find outside of NSW
  • Strict lending policies
  • High fees on some commercial products

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St. George Commercial Loan Products Breakdown

Vehicle and Equipment Finance

  • Minimum amount $15,000
  • Flexible repayments
  • Flexible term

Why not finance for all your business equipment and vehicle needs?

With loan terms ranging from 1 to 7 years and flexible repayment terms, St.George makes it easier for businesses to access the vehicle or equipment they need. Take out a Goods Loan so you can own your asset or choose a Hire Purchase, Finance Lease or Novated Lease if you don’t want to commit to ownership. The minimum financing amount is $15,000.

Small Business Loans

  • Borrow $20,000 and above
  • Fixed or variable rate
  • Flexible repayment

Help grow your business whilst optimising your repayment

Whether you want to have better management over cash flow fluctuations or you need money for growth, a small business loan can set you up to achieve your goals. St. George offers both a fixed and a variable rate loan you can repay over a 25-year or 30-year term. Borrowing amounts start at $20,000. There are no fees for additional repayments.

Business Maximiser

  • Borrow $20,000 and above
  • Variable rate
  • Flexible repayment

Combines cash-flow and term finance in one account

This is an all-in-one commercial borrowing option. You’ll be able to use it for day-to-day transactions, making it even easier to run your business with ease, even during seasonal fluctuations. There are no fixed monthly repayments and you only pay interest on the outstanding balance. You can access your funds with a Business Visa Debit Card, internet or phone banking, or by going into a St. George branch. Loan amounts range from $20,000 to $1 million. This variable rate loan needs to be secured with either cash or a residential property.

Commercial Overdraft

  • Flexible short–term finance
  • Manage cash flow
  • Variable interest

Easy access to approved finance to manage everyday expenses

This is a flexible, short-term financing option, designed for small businesses registered in Australia. You’ll have 24/7 access to your transaction account, where you can use funds up to your approved limit. This is a variable rate loan, which can be secured with cash, business assets or your property.

Unsecured Commercial Overdraft

  • Approved limit
  • Flexible repayments
  • 24/7 access

Manage business expenses with access to funds

St.George also offers an unsecured commercial overdraft product. It’s a smaller loan – borrow up to $50,000 – but it still offers the flexibility you need. You repay when you can and are only charged interest on your outstanding balance. A variable rate applies. Also, this loan does come with establishment fees and monthly fees as long as you have a balance.

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Estimated Refinancing Savings

Potential Lender Options

Competitive Interest Rates

Estimated Borrowing Power

Estimated Monthly Loan Repayments

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