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COVID-19: Access the working capital you require when you need it most

For decades, IMB Bank has been an integral partner with small business. We know that many businesses have been heavily impacted by COVID-19 and may require extra support to get through the tough times ahead.

That’s why, on top of our existing measures, we are participating in the Federal Government’s SME Guarantee Loan scheme. Under the Scheme, our small business customers can access loans of up to $75,000 to help bolster the working capital needed to get through – including sole traders. These loans are guaranteed in part by the Federal Government as part of its Coronavirus SME Guarantee Scheme and begin with a six-month repayment holiday. 


Features of the SME Guarantee Loan include: 

  • Business loans up to $75,0001 on terms of up to 3 years which are unsecured by property or assets2
  • A repayment holiday for the first six months, with interest capitalised3. Principal and interest repayments will then apply for the remaining term
  • No establishment or account keeping fees
  • Funds will be available on day one and you pay interest only on the amount you draw down – no interest is payable if the loan is not used
  • The loan must be used to support current and upcoming cash flow needs (for example, rent and staff expenses) and not for asset purchases or to refinance existing loans
  • Available for existing IMB Bank SME business customers with less than $50 million annual turnover
  • Eligible applications must be approved and funded by 30 September 2020.

The application process for these loans will require us to assess your current circumstances. Eligibility and credit criteria will apply.

To find out more or to apply, call 133 462

You can find out more about the Coronavirus SME Guarantee Scheme and other support measures for business from the Australian Government website.

Stay informed with IMB’s regularly updated COVID-19 support packages, business hours and ways to bank at our Coronavirus assistance page.

1. The loan amount when aggregated with the loan amounts of any other loans you have with us or any other lender under the Federal Government’s SME Guarantee Scheme must not exceed $250,000. 2. Personal guarantees (unsecured) may be requested. 3. Interest accrues daily and is charged to the loan at the end of each month. Interest is charged on interest if no (or insufficient) repayments are made. Lending criteria, terms and conditions, fees and charges apply to IMB loan products. You should consider the relevant Terms and Conditions or Product Disclosure Statement before deciding whether to acquire any IMB products or facilities.


We're here to help you personally

You take pride in giving your customers great personal service. Wouldn’t it be nice if your bank did the same for you?

Our Business Banking Specialists can help you get the fast, tailored support you need to grow your business and keep your customers happy.
We even come to you, because we know your time is precious.

That’s the benefit of Local Business Banking. 

We have the experience

Our Business Banking team members have decades of experience between them and have delivered solutions for businesses, big and small. Thanks to our Local Business Centres and mobile team, speaking with a business specialist is easy and fast.


How we can help your business

140 years of trust
We have been helping people achieve their financial goals since
We can come to you
Our business specialists are flexible and can come to you to discuss your business needs.
95% member satisfaction*
As a mutual bank, our members are our shareholders, and we strive to deliver them the best service, value and innovations.
Visit a local business centre
Our Business Banking specialists live and work where you do. Visit a Local Business Centres.

Contact a business specialist


Local Business Centres

Location Speciliast Phone Number
Albion Park Kerri Ireland  4257 2399
Batemans Bay Daniel Coffey  4472 5970
Corrimal Rebecca Round  4285 2999
Liverpool Kerry Duroux  9822 8045
Menai Lauren Oakes  8539 2000
Miranda Elise Nieuwland  9540 4377
Moruya Llachlan McDonald  4474 2777
Narellan Debra Murray  4632 6800
Rouse Hill Nermin Farahat  4243 8794
Sutherland Joshua Coltman 9914 7700
Ulladulla Leigh Felton  9523 7091
Unanderra Natalie Henry  4272 9811


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Mobile Business Managers

Newcastle and The Hunter

Nowra and South Coast

Sutherland Shire

Sydney West


Brendan Casey
0447 452 023

Darren Edwards
0412 186 558

Clair Messiha
0423 023 952

Helena Kim
0438 035 843

Stewart Murphy
0423 023 953

Darren Temple
0438 638 545


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Important Information
The information presented is of a general nature and is not intended to be relied upon as a substitute for financial advice. Lending criteria, terms and conditions, fees and charges apply. You should consider the Product Disclosure Statement available from IMB before making a decision about IMB products and facilities. 


Why choose us?

Established in 1880, we have been helping people achieve their financial goals for 140 years and are rated by Forbes as one of the World’s Best Banks. We offer a full range of competitive banking, including home and personal lending, savings and transaction accounts, term deposits, business banking, and can arrange financial planning, insurance and travel products.

We provide simple and secure digital banking solutions online and on mobile, and members enjoy access to free automated phone and internet banking, and a team of professionals at our locally based contact centre. With a growing branch network throughout the Illawarra, Sydney, NSW South Coast, Newcastle/Hunter, the ACT and Melbourne, we have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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