Rating based on 77 reviews



  • Business loans up to $3,000,000
  • No monthly fees
  • Repayment up to 5 years

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ING DIRECT homepage

Author ING DIRECT. Screenshot of ING DIRECT website. [Accessed September 13, 2021]


ING DIRECT is the trading name of ING Bank Australia, a subsidiary of ING Group. It is the top direct savings bank in the world.

Simple and straightforward

We provide products which are simple and straightforward and have high value. We encourage you to apply for a loan online and over the telephone to reduce our overhead costs and to pass the savings onto our clients.

Ground-breaking product

We have been operating in Australia since 1999. Our Savings Maximiser account revolutionised the market for home loans back then. In 2010, we launched another ground-breaking product - Orange Everyday, a transaction account with no monthly keeping fees. In 2012, we introduced the first superannuation option without administrative or management fees available to all Australians - Living Super.

We have simplicity in the base of our success. We started from zero and now we have over 1.5 million customers, deposits volume of $31 billion and mortgage volume of $39 million. We employ more than 950 people.


The ING DIRECT Commercial Loans come with a competitive interest rate and no ongoing fees.

Loan terms that work for you

With our Commercial Fixed Rate Loan, you can choose to have the interest rate fixed for a period from 1 to 5 years. The loan term can be up to 15 years. We offer loan redraw at the end of the fixed term. You can select from repayment structures with principal and interest and interest-only with the latter being offered for a maximum period of 5 years. You can take advantage of direct debit payment and additional lump sum payments of up to $20,000 annually.

Our commercial variable rate loan

The minimum business loan redraw is $10,000. You can make interest and principal payments or interest-only payments for up to 5 years. We offer a direct debit payment. You can use a commercial line of credit for purchasing or refinancing the commercial property. Interest is charged only on the drawn balance.

ING DIRECT Business loan

  • Loan Type Business loans
  • Loan Amount up to $3,000,000
  • Repayment 1 year to 5 years

Benefits of ING DIRECT

  • Fixed interest rates
  • Competitive interest rates
  • Quick funds

ING Direct – We take the hassle out of your loan search

ING DIRECT offers businesses in Australia a financial platform through business loans throughout the country.

By implementing three main areas of value to our clients, we focus on delivering a simple approach to getting business finance.

Our products are good value for money

Our transparent application process is straightforward and our products are of good value for money. By shaping a positive and prosperous environment for business owners in Australia, we aim to provide business loans for companies and individuals who seek finance to grow, expand and start-up their business prospects. Our commitment and sustainability in the region speak highly of our values and moral beliefs.

We have an experienced team of financial experts, all willing to assist our new and existing customers with their business loans in Sydney.

Borrowing terms of your business loan

Our flexible terms offer discussions for variable and fixed-rate options, with complete breakdown to the borrowing terms of your business loan. Our competitive interest rates are phenomenal, which makes your choice in financial institutes and easy decision.

Giving you the peace of mind that you will have a preferred partner looking after your businesses best interests, we take great care into explaining in detail the repayment terms and interest charges. We offer each of our business loan customers a tailor-made solution, fitting your business needs perfectly.

Affordable business loans throughout Australia

Now you can take the opportunity to afford a quick online loan in Sydney, which can be used to resolve a cash emergency, purchase equipment, furniture for your offices or restaurant furnishings. Starting up a business costs a lot. Having that financial platform for a new location, remodelling and other leasehold improvements, is easy to obtain through ING DIRECT. Upgrade your IT equipment, hard and software with a secure loan option over convenient terms with rates based on your term length.

Contact us today, and let us invest in your business, by providing you with the financial support you need to grow, expand or begin your business venture.

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ING DIRECT is a trusted & reliable provider of business loans

In our review, ING DIRECT adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, as well as the National Consumer Credit Protection Regulations 2010, where the granting the loan will not cause financial distress to the consumer.

ING DIRECT is a registered credit provider in Australia; ACL 229823

Customer Reviews & Testimonials

June 2019

Their communication is excellent! As a client you are always in the loop and know exactly what is going on with regards to your loan

Brad C
— Darwin —

November 2018

ING DIRECT’s experience in the industry is evidenced by the quality of the service they provide.

Nathan B
— Sydney —

May 2019

I got a great deal with my business loan because the rate was affordably priced. This was really nice since I only took out a small loan to cover a minor last-minute expense.

Connor G
— Melbourne —

February 2019

I can always rely on ING DIRECT. They understand our needs and know how to assist us in taking our business to where we want to go.

Evie T
— Perth —


Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed