Business banking and loans: accounts, cards and finance
Your business account, savings and borrowing work together. A separate account keeps the books clean, a savings buffer covers tax bills, and the right kind of finance smooths cash flow without locking you into costs you can't see.
These guides compare products on fees, rates and conditions taken from providers' own pages, each with the date we checked it. They are general information, not a recommendation of any product. Check the current terms with the provider before you apply.
Choose and open a business account
Compare fees, deposit protection and bank feeds, then gather what the bank will ask for.
Business Bank Accounts Compared: Fees and Features 2026
Compare 16 Australian business bank accounts as at October 2026: monthly fees, cash deposit costs, FX fees, PayID, Xero and MYOB feeds, and FCS cover.
18 min readHow to Open a Business Bank Account in Australia
How to open a business bank account in Australia: what sole traders, partnerships, companies and trusts need, online vs big four accounts, signatories and fees.
16 min readBusiness Savings Accounts and Term Deposits: Rates 2026
Business savings, notice account and term deposit rates from 16 providers as at October 2026, with FCS limits, break costs and how interest is taxed.
16 min read
Cards and overseas payments
Understand what business cards really cost and how to pay overseas suppliers without losing money on the exchange rate.
Business Credit Cards 2026: Fees, Rates and Liability
Compare 23 business, charge and corporate cards as at October 2026: fees, rates, interest-free days, who is liable, and the 2026 surcharge and ATO changes.
17 min readInternational Payments for Business: Fees and FX (2026)
Paying overseas suppliers or receiving foreign currency? See how banks, Wise, Airwallex, OFX, Revolut and PayPal price a USD 10,000 payment as at October 2026.
17 min read
Borrow for the business
See every type of business finance side by side, then compare unsecured loans, overdrafts and lines of credit. Use the loan calculator to compare offers on total cost.
Business Loans Australia 2026: Types, Rates, Repayments
Every type of small business loan in one place: rates and fees as at October 2026, how lenders assess you, and a repayment grid from $20k to $500k.
26 min readUnsecured Business Loans 2026: Rates, Fees and Lenders
13 unsecured business loan lenders compared as at October 2026: amounts, terms, published rates, fees, guarantees and repayments, plus factor rates converted to APR.
17 min readBusiness Overdraft vs Line of Credit: 2026 Cost Guide
Overdraft or line of credit? How limits, interest, line fees and repayment demands differ, with lender rates as at October 2026 and a seasonal cost example.
15 min readBusiness Loans Without a House: Your Real Options
No house to put up as security? Compare unsecured loans, equipment finance, invoice finance and more, with lender limits and costs as at October 2026.
13 min readHow to Write a Business Plan for a Bank Loan
What banks actually read in a business plan for a loan: serviceability, security, use of funds — plus the documents to attach and the red flags to avoid.
10 min read