Financial services for local businesses
Choosing the right partner for small business banking Australia wide starts with finding a team that understands your local market. At The Capricornian, we combine convenient digital platforms with the personal service of a customer-owned institution. We deliver tailored business banking solutions Australia businesses can use to simplify their daily finances and focus on growth.
Real people
Forget long wait times for your appointment. Talk to a local based in the Capricorn region who understands your operating landscape.
Business solutions
Access competitive loans, accounts, and services designed to help make your daily business operations less complicated.
Smooth out the bumps
Business can be unpredictable. Our flexible facilities help you manage your cash flow and prepare for unexpected opportunities.
What kind of business banking account are you looking for?
We can assist with sole trader or small business markets. We are keen to take your business to the next level.
- Access competitive variable interest rates
- Flexible repayment options available weekly, fortnightly, or monthly to match your cash flow
- Principal and interest or interest-only repayment options available
Take control of your cash flow with a Capricornian business overdraft so you can ride out those unexpected business expenses.
- Suitable for borrowing requirements over $10,000
- Withdrawals are available up to your approved facility limit
- Visa Debit card access for immediate point-of-sale purchasing
- Max. loan amount up to 80% of the property value
- Account service fee exempt for eligible customers¹
- Available to individuals, companies, and trusts
- Convenient ATM and EFTPOS access with 24/7 online and mobile banking support
Automatic Payroll Processing
Our online banking system provides a secure, convenient payroll facility that allows you to manage your employees’ payroll from the convenience of your own computer.
Visa Debit Card
A safe, electronic alternative to payment by cheque, featuring the ability to use secure Capricornian Digital Wallet options.
MYOB BankLink
Collect and stream your transaction data directly for tax and accounting purposes, keeping your bookkeeping quick and straightforward.
Future payments
Schedule recurring bills and transfers in advance to take the worry out of memorising when important payments are due to be paid.
Eligibility criteria, terms and conditions, fees and charges apply. The Capricornian Ltd. ABN 54 087 650 940. AFSL/Australian Credit License 246780.
Please note this information does not take into account your personal circumstances and is general advice only. Before opening any Capricornian account, please read the Conditions of Use and decide if the account is right for you. Interest rates are subject to change without notice and should be verified with your local Capricornian Branch.
Interest rates available upon application.
1 Account Service Fee Exemptions on Access Accounts where first account is exempt for eligible customers on Business Access Accounts with $10 per month subsequent on Business Access Accounts. Eligibility criteria applicable on Business Access Accounts; Minimum Deposit/Lending balance of $20,000 held within the customership.
Consider the relevant Target Market Determination (TMD).
