SME Guarantee Scheme Unsecured Business Loan

SME Guarantee Scheme Unsecured Business LoanSME Guarantee Scheme Unsecured Business Loan.

Support your cash flow needs through the upcoming months of the COVID-19 pandemic.

Business Term Loan.

Flexible business financing to grow your business.

Business Term Loan.

Flexible business financing to grow your business.

Boost your business savings with bonus interest.

Business Performance Saver Account.

Everyday business banking with BOQ.

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Business Performance Saver Account.

Get a free Square reader.

And fee free processing on your first $1000 of transactions# when you open an Everyday Business Account.

Lending options to help your business thrive.

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Business Term Loan.

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Manage your cash flow with BPAY, direct credit and debit.

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Square Reader Offer.

Get a free Square Reader when you open a BOQ Everyday Business Account#.

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^BOQ was awarded the winner of the Best Relationship Management Bank Category in 2014, 2015, 2016 & 2017 AB&F Corporate and Business Banking Awards, Asia Pacific Banking and Finance Pty Ltd.

^^Interest rates are variable rates and are subject to change at any time without notice.

*A Bonus Interest variable rate will only be paid if Bonus Criteria are met in the previous month. Bonus Criteria will be met where both the following conditions are met:

1. a minimum of $5,000 is credited to the linked Everyday Business Account in the prior calendar month. This excludes amounts transferred from another one of your BOQ Accounts including any Account you may be linked to as an Authorised User or joint Account holder;

2. at least 5 direct debit transactions, ATM withdrawals or purchases of goods or services from a Merchant are made in the prior calendar month by using your eftpos Card or BOQ Visa Debit Card associated with your linked Everyday Business Account. This does not include cheques written or deposited, branch cash withdrawals, transfers or payments to any BOQ account or to a non-BOQ account via Internet Banking, in branch or at ATMs, transfer of funds to accounts held at an overseas bank, BPAY payments and pending Visa Debit Card transactions.

Transactions that are not settled (are pending) do not count towards the Bonus Criteria. If a transaction is made but settles in the following calendar month then the transaction will be counted in the following calendar month. The variable Base Rate applies to balances over $500,000. The variable Base Rate always applies in the first month after opening an account. In the first month, Bonus Criteria on the transaction account is measured from the time the Business Performance Saver Account is opened, not the full calendar month even if the transaction account was already existing. Interest is calculated on a stepped basis and paid monthly on the first day of the following month. If Bonus Criteria conditions are not met the variable Base Rate only will apply. The Business Performance Saver cannot be opened as a Controlled Money Account, Solicitors Investment Trust Account or Real Estate/Agents Investment Trust Account.

Business Performance Saver Accounts are limited to one per entity.

**Discount variable rate offers only available on new lending with a minimum loan amount of $200,000. The variable discount is for the life of the loan as long as the loan is retained under a variable Business Term Loan product. Discount rate offers are not available to self-managed super fund borrowing for the purchase of residential property, or on refinance of, or an increase to, existing BOQ facilities. Interest rates quoted are indicative only, and are subject to change without notice. Your actual interest rate may vary depending on the size of your loan, security being offered and full credit assessment of your application for finance. A margin may also apply. These interest rate offers cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers.

# One free Square Reader available to new BOQ business transaction account customers. One Square Reader per customer while stocks last. To be eligible for this offer, $5,000 must be deposited into your transaction account during the first 3 months. Square Reader R.R.P is approximately $59.00. Eligible customer must be registered as a business entity, not individual. You will receive fee- free processing on up to $1,000 in credit card transactions for the first 180 days after registration of your new Square account. Upon creating your account via square.com/go/boq you will receive free fee processing on up to $1,000 in credit card transactions for the first 180 days after registration of your new Square account. Afterwards, Square’s card processing fee is 1.9% per transaction for any Visa, MasterCard or American Express credit or debit card processed through Square Reader, or 2.2% per Square Invoice paid online. Waived processing fees are reimbursed to your account on each deposit. EFTPOS not accepted on the Square Reader device. The Square Reader will be linked to your BOQ transaction account. BOQ reserves the right to charge a one off administration fee of $50 if these terms are not met. BOQ is remunerated by Square on a commercial basis. Limited time only for new Square Reader customers and not transferable. Offer expires 30 June 2020..

The Square Reader is a device provided through Square AU Pty Ltd ABN 328 167 106 176.

BOQ does not and will not guarantee or otherwise support Square’s obligations under the contracts or agreements connected with the Square Reader or the functionality of the Square Reader. For further information please go to www.squareup.com/au.

1 Discount variable and fixed rate offers only available on new lending with a minimum loan amount of $200,000. The variable discount is for the life of the loan as long as the loan is retained under a variable Business Term Loan product. The fixed rate discount will apply until the end of your fixed term or until you request us to vary the loan. Discount rate offers are not available to self-managed super funds, or on refinance of, or an increase to, existing BOQ facilities. Interest rates quoted are indicative only, and are subject to change without notice. Your actual interest rate may vary depending on the size of your loan, security being offered and full credit assessment of your application for finance. A margin may also apply. These interest rate offers cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers.

Conditions, Criteria and Fees Apply. You should obtain and consider the relevant Product Disclosure Statement (PDS), terms and conditions and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. Full terms and conditions are available online or at any Bank of Queensland branch.

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