St.George Business Maximiser Line of Credit - Review & Fees | finder

St.George Business Maximiser

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Take advantage of generous variable rates and flexible repayments with a Business Maximiser lending account from St.George.

The St.George Business Maximiser is a line of credit that works with you to help your business get ahead and allows you to pay off your business debt faster. Even after you've repaid your balance, you can keep the account open as a flexible credit limit to take advantage of any other business opportunities that might arise in the future.

Find out how this loan works and if it's right for your business.


Upfront Fee


Max. Loan Amount

1 to 7 years

Loan Term

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Product NameSt.George Business Maximiser
Min. Loan Amount$20,000
Max. Loan Amount$1,000,000
Loan SecuritySecured
Upfront Fee$600
Loan Term1 to 7 years

How does the St.George Business Maximiser work?

In order to apply for this loan, you are required to submit some personal and business details. You can apply for a minimum amount of $20,000 and a maximum of $1,000,000. You need to have an account with St.George to be eligible and you can apply for this loan over the phone or at your local St.George branch.

There are no fixed monthly repayments that are required with this loan, which means you can make payments when it suits the cash flow of your business.

Features of the St.George Business Maximiser

There are a variety of features with this loan, including:

  • Flexible repayments. There are no fixed monthly repayments required. You can also make lump sum repayments when needed.
  • Variable interests rates. The interest rate is variable, and you only pay interest on the outstanding balance and not the credit limit that has been secured. As this is a line of credit, if you never use it you will not be charged and do not have to pay interest.
  • Secured loan. You can secure this loan using cash or residential property. However, the assets you're putting forward need to cover the amount you're applying for.
  • Large amounts to apply for. With this loan, you can borrow from $20,000 up to $1,000,000.
  • Combination of cashflow and term finance. This loan combines cashflow and term finance into one account that is easy to access. Having the loan secured as a line of credit that you can access when you need gives peace of mind while you concentrate on your business. As this is an all-in-one lending account that offers day-to-day business transaction capabilities as well, you can take advantage of opportunities to grow and help your business thrive.
  • Ease of access. With this loan you can access your Business Maximiser account using a Business Visa Debit Card, Internet banking and phone banking for 24/7 access or visit a St.George branch.
  • Startup businesses can apply. As long as you have the security to finance the amount you need to get your business off the ground, startup businesses are able to apply.
  • 15 free transactions per month. With this loan you have access to 15 free transactions every month.

How much does the loan cost?

There are a variety of fees you can expect to pay for this loan, such as:

  • A one-off loan establishment fee of $600.
  • As this loan has a variable interest rate, the rate will change monthly and therefore the interest you will pay will fluctuate. The current rate is 4.83% p.a.
  • A margin may apply depending on the type of security provided and therefore will vary from business to business. The security provided can be cash or residential property.
  • A monthly account-keeping fee.

For more information, contact your business banker at St.George.

How to apply for the St.George Business Maximiser

Click on "Go to site" to apply. In order to be eligible for this loan, you must meet the following requirements:

  • Be a registered business within Australia
  • Have a St.George business account or at least be a St.George customer
  • Have a good credit history

There are also documents you will need to provide, including:

  • At least a year's worth of financial statements
  • Your individual notice of assessment

The St.George Business Maximiser is a line of credit that can help you take advantage of new opportunities for your business. However, make sure to compare business loans and ensure that the loan meets your business's needs.

Comparison of other business loans

Whilst we don't directly compare St.George business loans, compare other business loans offering similar features.

Data updated regularly
Name Product Min. Loan Amount Max. Loan Amount Loan Term Upfront Fee Filter Values
Moula Business Loan
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A loan of up to $250,000 that can be approved and funded within 24 hours. Available to businesses with 6+ months operating history and $5,000+ monthly sales.
ebroker Business Loan
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$0 application fee
Small business loans available between $5,000 and $5,000,000. Get access to 70+ non-bank lenders on this independent platform.
Max Funding Unsecured Business Loan
1 month to 1 year
$0 application fee
An unsecured business loan from $2,000 that offers convenient pre-approval and no early repayment fees.
Valiant Finance Business Loan Broker
3 months to 5 years
$0 application fee
A Business Lending Specialist from Valiant Finance can give you access to competitive business loans from over 70 lenders. Loans between $5,000 and $1 million are available. Request a call – your loan can be funded in 1 business day.
OnDeck Business Loans
6 months to 2 years
3% of loan amount
Apply for up to $250,000 and receive your approved funds in one business day. Minimum annual turnover of $100,000 and 1 year of trading history required.
Prospa Business Loan
3 months to 3 years
3% origination fee
Small business loans are available from $5,000 - $300,000 on terms of up to 3 years. At least twelve months trading history and a monthly turnover from $6,000 is necessary.
Westpac Business Loan
1 to 30 years
$0 application fee
Purchase a new vehicle, equipment or support your cash flow with a business finance solution from Westpac.
ANZ Secured Business Loan
Up to 15 years
Benefit from a low rate when you secure this loan with property and/or business assets. Loans from $10,000 available.
ANZ Unsecured Business Loan
Up to 15 years
Apply for a loan from $10,000 with no security required and benefit from flexible repayment terms.

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