Compare Features All Businesses Calculators Why SCCU
Contact Us

Loans and Finance

Packed with features and competitive rates, our range of business loans and finance solutions were designed to help you keep your business growing.

Loans and Finance

Everyday Accounts

Enjoy a tailored business transaction account and competitive term deposit options to make your everyday business banking easy.

Everyday Accounts

Smart integrations

Take payments anywhere with our Square Merchant Facility and integrate your SCCU account feeds with MYOB and Xero to enhance your processes.

 

Smart integrations

Business loans and finance solutions to support growth

Video Thumbnail

Finance that supports your goals, with caring service every step of the way.

Explore our business loans and finance solutions:

    • Business Loan: flexible features and competitive rates to help you grow, invest or expand.
    • Vehicle Finance: fixed-rate car loan tailored to help you get your business moving – fast and affordable.
    • Overdraft: extra funds when you need them giving you peace of mind through the ups and downs of business cash flow.
    • Credit Union Guarantee: a smart alternative to cash deposits or bonds, offering financial backing when you need it most.

Let us support your business journey with our relationship-focused approach.

Contact Us To Start
 

Our business loans and finance support options

Explore our competitive loans and flexible finance options to help you expand your business.

Business Loans

2-year Fixed Rate

5.19
%
p.a *

For those looking to start, buy or grow your own business.

  • Loans from $50k
  • No annual fees
  • Residential security
  • Additional repayments

*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. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.

Advertised rate available to ≤75% LVR. At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.

Talk to Us Learn More

Business Vehicle Loan

Secured Fixed Rate

7.35
%
p.a *

Buy a new or demonstrator vehicle with up to 4.5 tones Gross Vehicle Mass (GVM).

  • Loan Amount from $20k – $150k
  • Borrow up to 100% of vehicle cost
  • Fixed interest rate
  • Additional repayments

*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. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.

Talk to Us Learn More

Business Overdraft

Secured Variable Rate

7.75
%
p.a *

Help manage your cash flow and cover any unforeseen expenses.

  • Overdraft limit from $20k
  • Flexible repayment options
  • Residential/commercial security
  • Ongoing terms

*Advertised rate available for residential security. 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. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.

Talk to Us Learn More

Credit Union Guarantee


Our Credit Union Guarantee offers a reliable alternative to traditional cash deposits or bonds. Tailored for businesses, this solution provides assurance to vendors, landlords, or suppliers, helping you secure new agreements or strengthen existing relationships.

Choose the option that suits your needs:
• Fixed expiry date for time-bound commitments.
• Open-ended guarantee for ongoing arrangements.

Plus, enjoy the benefit of earning interest on the guaranteed funds while your business stays agile and supported.

Talk to Us Learn More

 

Whatever your business size or structure, we are here for you

From launching your first venture to scaling your operations, we are here to support your business journey all the way.

Sole Trader

For single individuals holding an Australian Business Number (ABN) looking to finance a business vehicle, access flexible funds through our overdraft facility, or explore our other business financing solutions. We’ve got options to support your goals.

Partnerships

For businesses set up as partnership, involving 2 or more individuals who share business profits and responsibilities. Access our feature-packed business loan, flexible vehicle loan and a range of other solutions to meet your needs.

Company

For larger businesses operating as separate legal entities and owned by shareholders – we offer tailored finance to support your next phase of growth. Whether you’re expanding operations, investing in new assets, or strengthening your financial position.

  • + Important Information

    Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000. 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.

    Important: Available for new business only. All rates available for new business only and are subject to change without notice.

    Business Loans
    *Advertised rate available to ≤75% LVR. At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.

    Business Vehicle Loan
    *Advertised rate is a secured fixed rate.

    Business Overdraft
    *Advertised rate available for residential security.

What could your repayments look like?

Borrowing power

Want to know how much you could potentially borrow to boost your business? Find out with our borrowing power calculator.

Calculate Now
Borrowing power

Car loan

Check what your repayments could look like depending on the size of your loan, interest rates and how often you make repayments.

Calculate Now
Car loan

Loan comparison

Want to compare what your total repayments could be between two different home loans? Find out with our Loan Comparison calculator.

Calculate Now
Loan comparison

All calculators

Get clarity on your business expenses, predict savings growth, compare loans, and much more. Explore our range of calculators below.

Calculate Now
All calculators
Showcase

Your trusted banking partner. With you across all your financial life stages.

Easy to bank with

Join the SCCU community. Thousands of customers love our simple, transparent and caring customer approach, and we would love to welcome you too. Opening your business account or applying for a loan is easy. Contact us on 1300 360 744 and our friendly team will guide you through the process. Prefer to connect online? Please fill out the contact form below and we’ll be in touch shortly.

Take your time to explore each product and feature to find the solution that best suit your business needs.

Contact Us To Start

applying for a business loan

Why choose SCCU?

As customer-owned and community focused, we place people and meaningful conversation at the core of everything we do. Unlike traditional banks, our profit doesn’t go to shareholders, they are reinvested into improving our services, products and banking solutions to support you every step of the way.

For over 60 years, we’ve helped everyday Australians with competitive financial products, award-winning service, financial education and smart digital solutions. We are here to make banking feel easy, more human, and better for the future.

With SCCU by your side, you are choosing a trusting banking partner who is proudly invested in you, your community, and your future.

Learn More About Us

Stay Up to Date

View all blogs
4 mins
Sticking to your Financial Goals for 2025

With a new year, comes new year’s resolutions. Was one of your new year’s goals financially driven? If so, you are part of 52% of Australians who have set financial goals. However, only 1 in 8 of us manage to stick to them . In this blog, we look...

With a new year, comes new year’s resolutions. Was one of your new year’s goals financially driven? If so,...

Read More
4 mins
The 3-jar method to help kids learn about mon...
Tips,  Saving,  Personal Banking

It is never too early or too late for parents to start educating their children when it comes to finance, and teaching kids and teenagers about money doesn’t need to be boring or challenging. Helping them earn their own money, setting expectations and guiding them on real life decisions...

It is never too early or too late for parents to start educating their children when it comes to...

Read More
2 mins
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...

Read More
7 mins
10 Things You Can Do to Future-Proof Your Fin...
Financial Hardship,  Savings,  Home Loan,  Everyday Banking

Finances can be quite overwhelming, especially in this ever-changing financial climate we currently find ourselves in. To make things easier, our team at SCCU compiled a list with 10 easy-to-follow steps you can take to help future-proof your finances. 1 – Budget like a boss and track your spending Life can...

Finances can be quite overwhelming, especially in this ever-changing financial climate we currently find ourselves in. To make things...

Read More
Other Ways to Save

Discover other ways to bank with us

From your first transaction to lifelong investments, with you across all financial life stages.

Business Star Saver
best transaction acocunts

Business Transaction Account
best savings acocunt

Business Term Deposits

Download the app

Download the SCCU mobile banking app to start managing your banking on the go.

Protect your account

Tips on how to protect your account, avoid scams and report suspicious activities.
Security Hub

Latest updates

Read the latest news on our community, corporate, awards and finance literacy.
Blogs and Resources
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
Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.
Rod and Suzy Cornelius
Working with Steve has been an absolute pleasure! He is very professional yet is able to bring a personal touch to the banking and loan process. We always feel like we are kept up to date with requirements and processes and Steve is always willing to explain everything in a user-friendly yet professional manner. He has been amazing to work with for our financial needs and would highly recommend his services to friends, family, and colleagues.
Kylie Taylor