Business Loans

It’s the freedom to grow, to build your dreams.

Looking to start, buy or grow your own business? Our Business Loans could provide the funding you need.

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Business Loans
6.19
%
P.A
3 Year Fixed Rate^
Business Loans
  • No Annual Fees
  • New Business Only#
  • <75% LVR
  • Minimum Loan Amount $50k
  • The Little Details

    Products issued by Southern Cross Credit Union Ltd. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs. Your actual interest rate may vary depending on the security offered.

    Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000. Advertised Interest rates subject to change without notice.

    #All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice.

    ^ At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.

    WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

     

Product Features

Business Loan
Minimum Loan Amount
$50,000
Maximum Loan Amount
n/a
Maximum LVR
75%
Maximum Loan Term
30 years
Minimum Loan Term
1 Year
Additional Repayments
Yes
Redraw (Not available on Fixed rates)
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes

Business Loan

Minimum Loan Amount
$50,000
Maximum Loan Amount
n/a
Maximum LVR
75%
Maximum Loan Term
30 years
Minimum Loan Term
1 Year
Additional Repayments
Yes
Redraw (Not available on Fixed rates)
Yes
Principal & Interest Repayments
Yes
Interest Only Repayments
Yes
Split Loan
Yes
Loan Rate Schedule Fees and Charges Schedule
Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
Joanna Tedeschi
As COVID hit some 3 years ago, I approached SCCU to re-align our financial position at both a personal and professional level with our business. Not only were your team receptive but with the assistance of SCCU not only did we make our way through COVID closures, but due to the support of SCCU we have evolved into an extremely sound business, and I would suggest a success story of the community banking that SCCU continues to deliver.
Thank you for the support you offer to us as a local business and us as a local family of the area. Thank you, the entire team, at SCCU for being such an awesome part of the community whilst also being a great business to align with.
Jason
I’m so thrilled we decided to have our team development day in SSCU’s Mirrabooka room. Toni and Zoe were extremely friendly and accommodating, they had everything set up for us by the time we arrived.  Jo loved the ‘state of the art’ IT system, her power point presentation and laptop integration worked like a breeze.  I also found the flip charts extremely useful for discussion notes.  The space was big enough for individual team sessions and intimate enough for everyone to hear. Morning tea and lunch worked seamlessly, we had everything we needed in the kitchen and the outside sundeck was delightful. The team loved the coffee machine! It certainly helped with the quiet times in our meeting! Overall the day was a huge success! Thank you so much for creating a local facility with the class and sophistication of the city! I look forward to seeing you all again soon. Deepest thanks Jude McColm  
Tweed Coast Plan Management
One of our lovely volunteers just returned from picking up leftover Daffodil Day merchandise from Jenny at First National. Jenny informed her that Southern Cross Credit Union was integral to their success in raising over $2,000. Thank you for supporting this event. I believe you also hosted a Pink event today- thank you also for that. It’s wonderful to have the support of local businesses. Funds raised help us support local cancer patients and their families and also contribute to research projects and advocating to government.
Cait
We chose to bank with our local SCCU for many reasons. The staff are very cheerful and helpful. It is an enjoyable in-branch experience at a convenient location. Opening hours are longer than most other banks in our area and they are open every weekday. We bank exclusively with SCCU for our personal, business and children's accounts. We have always been happy with their customer service and have recommended SCCU to our local sports club and school
Tony & Alisha
We have been with SCCU for over 45 Years and for the last 24 of them with our business as well. The staff are amazing people to do your banking with and the loans division make every buying and selling experience so easy. Our little hiccups have never been a drama for the staff to help us solve and nothing is ever too much trouble to help us along the way to building our business through banking. Their rates are always competitive and we would never consider another bank or financial institution for all our needs. Loyal staff and loyal friends = Best Bank Ever.
Neil & Kathalina
We are finalists in the 2022 Northern Rivers ...

We are proud to announce that we have been named as finalists in the ‘Excellence in Large Business’ and ‘Excellence in Sustainability’ categories in the 2022 Northern Rivers Regional Business Awards. Our ultimate success is only possible because we have the backing and support of our team and customers, and...

We are proud to announce that we have been named as finalists in the ‘Excellence in Large Business’ and...

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American Express contributes an additional $1...
Community Grants,  2020,  Community Banking,  Business Banking,  Community

Proving how businesses can come together to make a real impact, Southern Cross Credit Union (SCCU) today announced an additional $10,000 on top of their $50,000 Community Grants program thanks to their international payments partner, American Express. Having tripled their contribution into the Grants program this year, SCCU CEO, Stuart...

Proving how businesses can come together to make a real impact, Southern Cross Credit Union (SCCU) today announced an...

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SCCU increase the level of financial support ...
News,  Business Banking,  Community,  Everyday Banking,  Personal Banking

Southern Cross Credit Union announces more funding than ever before for their Community Grants program, with a total of $50,000 to be shared across applications from families, individuals, business and community groups. Community Grants is SCCU’s largest annual community program, generating enormous interest across the Northern Rivers. Living true to...

Southern Cross Credit Union announces more funding than ever before for their Community Grants program, with a total of...

Read More