How does Macquarie differ from the Big Four banks?

Macquarie is often seen as a "challenger" bank. While it offers full banking services, it is known for a strong focus on professional services (accountants, lawyers, real estate agents) and often provides specialised policy niches and faster digital-first service compared to some legacy banks.

Can I apply for a Macquarie business loan online?

Yes, Macquarie has a streamlined digital application process for many of its products. However, for complex commercial loans involving property security, you may also work with a dedicated business banking manager or a broker.

Does Macquarie lend to new businesses?

Macquarie typically prefers businesses with a trading history (often 2+ years). However, for specific professions (like medical or legal practitioners), they may have special policies that allow lending to newer practices based on the professional's qualifications.

What fees are associated with a Macquarie business loan?

Fees vary by product but typically include an establishment fee (for setting up the loan) and monthly account keeping fees. If you break a fixed-rate term early, substantial break costs may apply.

Macquarie Bank Business Loans Overview

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Macquarie Bank offers both fixed term business loans and flexible lines of credit.
Overdrafts start from $50,000, and most loan terms run up to 5 years.
Applying requires an active ABN or ACN and financial details of your business.

Compare Macquarie business loans

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Finder Score	Min. Loan Amount	Max. Loan Amount	Loan Term	Upfront Fee	Filter Values
5.9 Standard Macquarie Bank Fixed Term Business Loan	5.9 Standard		$500,000	Up to 5 years		A business loan with terms up to 5 years and a wide variety of security and repayment options.	View details Compare product selectionCompare	loading
5.4 Standard Macquarie Bank Business Overdraft	5.4 Standard	$50,000	No maximum amount	Up to 5 years	based on how much you borrow	A business loan that allows you to make scheduled repayments, making it an ideal financing solution for business growth and development	View details Compare product selectionCompare	loading
Macquarie Bank Line of Credit		$500,000	No maximum amount	Up to 5 years		View details Compare product selectionCompare	loading

Showing 3 of 3 results

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How to apply for a Macquarie Bank business loan

When applying online for a business loan, you'll need to meet key criteria:

Being at least 18 years of age
Having an active Australian Business Number (ABN) or Australian Company Number (ACN)
Able to supply details of revenue, turnover and any relevant securities for the loan

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Frequently asked questions

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Macquarie Bank Business Loans information page
2. Macquarie Bank Business Loans TMD

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Written by

Bria Horne

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Bria Horne was a writer for Finder, with a specialist knowledge of personal loans, car loans and business loans. Originally from the UK, Bria has been a professional personal finance writer in Australia for over 2 years. She has an M.A and B.A in Philosophy and Literature from the University of Sussex, and previously worked on the UK’s leading hospitality publication. See full bio

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Macquarie Bank Business Loans

Depending on the loan you apply for, your loan terms and interest rates will vary.