We offer both competitive fixed and variable interest rate options. For details of our current interest rates, download a copy of our Community CPS 
SMALLBiz Interest Rate Schedule.
Our fixed rate business loans offer you the security of knowing your repayments won't change in that time. Fixed interest rates are available for terms of 1 to 5 years, so you'll have the same interest rate whether the market rate rises or falls during this time. You can still make extra payments up to $10,000 per year during the fixed rate period to reduce the total of your loan balance.
SMALLBiz Line of Credit
With no ongoing monthly fees, your business loan and working capital requirements can be combined into one, easy to manage account – put simply, a Community CPS SMALLBiz Line of Credit#.
With a SMALLBiz Line of Credit, you can:
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Reduce your business loan term by years |
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Have easy access to working capital with the convenience of a Community CPS Visa Debit Card, cheque book, phone and Internet banking |
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Repay and redraw up to your limit without penalty |
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Borrow as little as $10,000 at a competitive variable rate^ |
SMALLBiz Vehicle and Personal Loans With a SMALLBiz vehicle loan, the interest rate is fixed for the life of the loan, and you can repay your loan at any time without penalty. The minimum loan amount is $10,000 and the maximum loan term is 10 years.
If you need a Community CPS SMALLBiz personal loan, the minimum loan amount is $5,000 and the maximum loan term is 7 years.
And of course, like all Community CPS loans, there are no ongoing monthly fees on our
SMALLBiz loans.
Merchant Facilities
Through a strategic alliance with Travelex Ltd, Community CPS is able to provide your business with the ability to utilise Merchant Facilities.
These easy to use facilities enable your business to offer greater payment options to your customers by accepting credit and debit cards as payment for goods and services. You will also enjoy added convenience of having the funds directly credited to your SMALLBiz Account.
If you would like more information about Community CPS SMALLBiz, email us now, call us on 13 25 85, visit your local Personal Financial Centre or check out our FAQs.
^For approved applicants and subject to normal lending criteria.
*Depending on your business portfolio level, and the number and type of transactions you conduct each month. Terms, conditions, fees and charges apply and are available on request.
#SMALLBiz Line of Credit is secured by registered mortgage over property.
Community CPS Australia Limited, ABN 15 087 651 143, as the issuer of this product recommends that you read the terms and conditions, fees and charges applicable to this product. These are available on request at all Personal Financial Centres or branches, or by phoning 13 25 85.
