Borrowing Money

We understand that seasonal changes can have a significant impact on your working capital position. An irregular cash flow is common for most agribusiness operators – with income and expenses occurring at different times during the year.

To help take the worry out of fluctuating finances, we have developed a range of flexible cash flow management solutions.

"Interest only" facilities
Our AgriBusiness Line of Credit is a revolving line of credit that takes the changing nature of agri business into account.

It gives you the option to have interest charged monthly, quarterly, semi annually or annually (subject to approval and conditions). This facility has no set term and the ability to capitalise interest for up 2 years.

We also offer a range of interest only facilities from less than 12 months to up to 25 years, including BetterBusiness Loan and Bill Facilities.

Our BetterBusiness Loans and Bill Facilities let you take advantage of the good times, while still allowing you to redraw or defer payments in less profitable

Cash flow management
Borrowing options such as the Commonwealth Bank Business Card and the Business Overdraft have been designed to allow for fluctuating cash flows – with maximum flexibility.

These products let you structure your borrowings so that you only pay interest on funds you have drawn down.

Vehicle and equipment finance
Equipment Finance can be a tax effective way to finance your vehicles and equipment. It can also help you to plan your cashflow more accurately.

Important information about advice
As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. View our Financial Services Guide (PDF 59kb).

Other important information
Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the loan offer. Bank fees and Government charges may apply.