Rating based on 13 reviews


  • Business loans up to $500,000
  • Low-interest starting from 5.43%
  • Repayment up to 30 years

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AMP homepage
Author AMP. Screenshot of AMP website.
[Accessed May 24, 2023]

About AMP

When it comes to staying power few companies have the solidity that AMP has – having been founded some 160 years ago.

This company offer personal investment opportunities and business banking and business loan solutions for Australian and New Zealand businesses.

Advanced technology moving you forward

AMP may be a long-standing company with a rich history but, it’s by no means outdated with some of the most advanced and modern technology and security innovations being utilized to their customer's benefit.

Over $215 billion in asset management

AMP is primarily a wealth management firm and current has around $215 billion worth of assets under its management and expertise.

If you’re looking for a company that can both manage and build wealth for you while offering you business finance solutions – then you may have just found your best option.

Our unrivalled financial advice network

AMP has over 4400 financial advisors who are either employed by them or employed by one of their many financial partners and external advisory partners.

With a powerhouse like AMP, you can benefit from utilizing their extensive advice network which includes subsidiaries like AMP Financial Planning, Hillross and AdviceFirst.

AMP Services

In terms of services offered to private individuals, AMP primarily offer advisory services, bank accounts and a variety of investment accounts and opportunities.

These investment possibilities include term deposit accounts, savings accounts and property investment opportunities.

Our speciality lies in retirement finances

Whether you’re a self-employed individual who recognizes the importance of planning for retirement early or an employer looking to simplify your employee's retirement funds – AMP is the most experienced and capable financial services provider in the country and will ensure a win-win for everyone.

Business finance options with AMP

AMP may be a wealth management company at heart but, they offer some very competitive business finance options for Australian companies.

One such option is the Business Classic Club loan which offers AU businesses up to $500,000 in business loans, provided that the business is able to offer up suitable security.

You may also want to consolidate debts with an AMP line of credit or even utilize the service to manage business funds better.

In addition, they also offer a variety of business insurance products and pension fund solutions for employees.

AMP – Business loan

  • Loan Type Business loans
  • Interest Rate from 5.43%
  • Loan Amount up to $500,000
  • Repayment 36 months to 30 years

Benefits of AMP

  • Finance solutions for your business
  • Interest rates start at 5.43%
  • Get your loan in 48 hours

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

AMP - taking business finance to new heights

When it comes to personalized business finance AMP will have you covered with their flexible and competitive Classic Club business loan, however, they also make it clear to visitors on their site that business owners have many options to chose from.

Options as described by AMP:

  • SME loans
  • Lines of credit
  • Overdraft facilities
  • Equipment leasing

Choosing a fixed interest rate for unpredictable cash flow

A business that is struggling to maintain a good, stable cash flow should always try to opt for a variable interest rate business cash loan since their repayments will then be predictable and not increase above what they can reasonably afford to repay.

Apply for a classic club business loan online

When you complete an online loan application not only do you save time since you don’t have to make your way out to one of our branches but, you make it easier for us to evaluate your needs and determine the best business finance solution for you.

Business loans from AMP are generally secured against property like most large personal loans but, there are certain instances where business assets are considered. Remember that offering up security means you can get a lower interest rate and save money in the long run.

Always ensure that you apply for the exact amount that you need

It's important that you always select the exact amount that you need when you apply for a business loan. The last thing you need is to qualify for a larger amount that may prove to be difficult to pay back.

Maintaining financial discipline is important. Always take just what you need to make it easier to pay off in monthly affordable instalments. There will always be a reason to apply for a loan but you need to be able to differentiate between a need and a want and work towards a greater good for your business.

Why was my business loan application declined?

If your business loan application was declined, it might be due to the fact that your business isn’t performing too well and AMP may think you may not be able to meet your financial obligations.

As an entrepreneur, the last thing you need is to have a bad credit profile as you might never know when you will need a loan again in future. AMP will always inform you of the reasons that led them to turn down your business loan application.

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AMP is a trusted & reliable provider of business loans

In our review, AMP adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ AMP is a registered credit provider in Australia: ACL 234517

Customer Reviews & Testimonials

October 2018

AMP gave me an affordable business loan. I was able to pay it on a monthly basis.

Nicole R
— Sydney —

January 2019

Thanks to AMP, I was paying reasonably priced interest rates on my business loan. I would recommend them to anybody who needs an equitable credit plan.

Steve Y
— Perth —

April 2019

Applying for the AMP business loan was an easy, convenient and straightforward process.

Samantha J
— Melbourne —

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