Tailored loans to support your business lifecycle

Find a better way to do business

Our business loans can support you at every stage of the business lifecycle. Talk to a relationship manager and find out how to build, grow and do business better. Discover the Macquarie difference today.

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Mergers and acquisitions

We've helped countless businesses get the most from their opportunities.

Succession planning

If you want to purchase, sell or transfer a business interest, we can help.

Refinancing

We bring a fresh approach to your refinancing and loan restructures.

Personal wealth creation

Our solutions are for businesses and the people behind them.

What can Macquarie offer your business?

Customised loan structures
A Macquarie relationship manager understands that each business is unique, which means we're able to structure finance options that best suit your circumstances.
Flexible interest rates
Whether you're looking at a simple solution or complex business restructure, we have flexible interest rate options tailored to your individual circumstances.
Dedicated relationship manager
Your relationship manager is with you for the long-term and is committed to understanding your business, and becoming a trusted part of your team.
Our expertise means that we don't just offer a product, we provide a different perspective with fresh eyes and a willingness to understand your business and its needs.
A holistic approach
At Macquarie, we understand and recognise that business and personal needs are two sides of the same coin. So to get the most from your opportunities, we know that it pays to help you grow your personal wealth too.

Interest rates

These are reference rates only for working capital loans provided by MBL. All rates are subject to negotiation based on your relationship with us.

Indicative rates effective since 18 October 2019.

Interest rates*
Macquarie Bank Base Rate	9.70% pa
Macquarie Bank Reference Rate	5.35% pa
Macquarie Overdraft Base Rate	9.70% pa

Please note that these rates are indicative only and are subject to change.

Please contact a relationship manager to obtain an interest rate quote.

Is this solution right for you?

If you've been in business for two or more years and are able to demonstrate profitable trading and sustainable cash flow, we can help.

If you are interested in getting more from your property investments, or are looking for solutions based on specialist knowledge, talk to one of experienced relationship managers today.

To find out more, contact a relationship manager today.

Case study: simplifying a complex structure

The client continues to benefit from the assistance and accessibility of their relationship manager.

The brief

Macquarie was approached to review the architecture firm’s complex financial structure. The firm’s directors were uncomfortable that they had their personal property and spouses’ guarantees tied up with their business.

The challenge

Macquarie’s challenge was to untie the personal property from the financial security and find alternative collateral for loans to enable the business to grow.

The Macquarie difference

Experience with similar professional services businesses, including other architecture firms, gave Macquarie a good understanding of the industry that helped when assessing the firm.

Macquarie looked at the firm’s projected cash flow, the forward order book and the work the firm had locked in. Macquarie also assessed the firm’s pitch book and the outlook for upcoming work in different areas.

To help the new client Macquarie needed to:

simplify the firm’s financial structure
restructure its funding model.

The outcome

Macquarie put a financial value on the client’s future work and used the projected cash flow as security against the loans. This enabled the client to refinance and recapitalise. It also simplified the financial security structure by removing the directors’ and their families’ personal property as collateral.

The client continues to benefit from the assistance and accessibility of their relationship manager through:

regular financial review meetings
regular reviews of working capital needs
ongoing business feedback.

Business insights to help achieve your goals

Explore our Expertise section for tips and guides designed to help you learn more about using loans and asset finance to grow and build your business.

Learn more

What happens next?

Discover a different approach to business. To provide you with a solution that’s right for you, we’ll make a point of finding out more about the way you do business, so we can start doing business better, together.

Talk We'll get to know more about your business and your needs.
Plan We'll take you through the range of finance options that are available.
Support We'll deliver a finance package to suit your business needs and support you every step of the way.