Business banking done right, with a bank that has your back
As a business owner, you want your financial partner's goals to align with yours. So put your business in the hands of a bank that puts you first.
BCU, part of P&N Group, is amongst the largest member-owned banking organisations in Australia, represented by BCU in New South Wales and south-east Queensland and P&N Bank in Western Australia.
At BCU, our business is your business – literally.
As a member-owned bank, our only shareholders are our members. Our purpose is to enrich the lives of our members and their communities.
We offer a range of products at competitive rates to help you take control of your future and grow your business, with personalised service from our experienced business banking team who understand your industry and your needs.
It's business banking the way it should be
Trusted advisors
Our business banking industry specialists have decades of experience to draw on.
The authority on agribusiness – with authentic industry know-how and strong connections to local farming communities, our agribusiness team can help you grow your business via loans to fund property, livestock, and equipment, when and how you need it.
We have the accounts, loans and overdrafts to suit your seasonal needs and cash flow so you can keep your farming operation firing on all cylinders.
Property with purpose – our property team are passionate about helping our members to secure strategic investments and develop new opportunities from the ground up. We take the time to understand your project, so we can help you through every stage of the process, whether it’s in the retail, office, industrial or residential space, in metropolitan or regional areas.
General business needs – our experienced lenders can provide you with the support and insight you need to manage your business – be it working capital, growth or acquisition, or with solutions to cover short and long term financing needs.
With long-term finance available and in-depth insight into the markets that matter to you, we take care of your banking so you can focus on your building.
The benefits of business banking
Our members act like they own the place, because they do.
Genuine relationships – our business members get the VIP treatment, with dedicated, long-term Relationship Managers to provide you with unparalleled service. We’re with you all the way, making your life easier so you can get on with business.
Business banking made simple – when you bank with us, you’ll speak directly to a dedicated Relationship Manager who will be your primary point of contact. They are empowered to advocate for you for all your business banking needs with us. Our business banking team will speak your language, guide you in the right direction and give you honest answers to all your questions.
The member owned difference – as a member-owned bank, our members receive an ownership stake in the business so there are no conflicts of interest – all of our profits are used to provide you with better rates, fairer fees, and exceptional service.
Connected to the community – our business banking team have deep ties to their local communities, and we’re committed to supporting local businesses, organisations and initiatives that create positive economic, social and environmental impacts. With our holistic approach to banking, we help our members shape the future of their businesses and their local communities.
Business banking products
BCU's award-winning loans provide your clients with competitive rates, flexible features and quick approvals.
Business lending
Need financing to help you manage your business and reach your goals? Our business banking team can structure a loan to suit your needs, with honest, transparent pricing and flexible repayment options that work with your cash flow management needs.
Our business loans can help you to:
- purchase property and expand to new locations
- acquire new vehicles, machinery and equipment
- hire more employees
- guarantee a payment
- manage cash flow shortfalls with an overdraft facility linked directly to your business account
Whether you need funding for long-term investments or you just need help with your day-to-day operations, BCU has a product to suit your business.
Merchant facilities
Take fast and secure payments wherever your customers are with BCU’s comprehensive range of payment tools.
With our partners, we’ve got the swift and simple payment solutions your business needs to make transactions convenient for your customers, while saving you money on merchant fees. From portable and versatile EFTPOS terminals that accept every major card, to a variety of safe and secure options for online payments, including BPAY, we’ll ensure all your bases are covered.
Better yet, 24/7 tech support is available with technical experts standing by to offer help whenever you need it.
Business accounts
Managing a business can be complicated but, managing a business account shouldn’t be. We have a range of business accounts to help every type of business, from low-fee accounts to help you manage your everyday transactions and expenses, to interest earning savings accounts that will take your money further.
Explore our range of accounts designed to help your business thrive and call or drop into your local branch to connect with your dedicated Relationship Manager.
Your business banking team
Meet the dedicated team who use their banking expertise and industry-specific knowledge to give your business the edge.
Janu Campbell
Senior Manager, Business Banking, NSW
Bringing 20 years of management experience to his role, including 15 years in the banking sector, Janu takes pride in delivering practical and commercially astute solutions for our members.
He leads a team of friendly and experienced relationship managers with expertise across a broad range of industries, including agribusiness, property development, commercial property investment and general commercial trading.
Get in touch with Janu
Email:
Phone: 0448 866 703
Kevin Day
Relationship Manager, Business Banking
Not one to live his life behind a desk, Kevin loves getting out and seeing our members at their businesses around the Coffs Harbour community.
Known for his tenacity on behalf of his clients, Kevin has more than 15 years of finance experience under his belt. He uses his expertise in commercial lending, commercial investment and refinancing to tailor solutions that meet the needs of local businesses.
Get in touch with Kevin
Email:
Phone: 0427 462 667
Steven Anderson
Relationship Manager, Business Banking Agri
Steven is dedicated to providing personalised service for primary producers. Based in Lismore, this specialist agribusiness manager has been working in the finance industry for over 30 years.
Known for his straightforward, no-nonsense approach, he has an intimate knowledge of the cattle, sugar cane, dairy, macadamia and broad acre cropping industries. Whether you’re buying, looking to refinance or expanding your existing operation, Steven has the experience and understanding to recommend the right financial solutions for your needs.
Get in touch with Steven
Email:
Phone: 0407 428 796
Neil Boyd
Relationship Manager, Business Banking
Commercial lending has been Neil’s forte since 1988, and he still has a passion for poring over complex figures, understanding the story they’re telling, and determining how he can best assist his clients with their financial needs.
A hands-on mobile lender with a wide breadth of experience and a relaxed approach, Neil is always eager to visit his clients around the Northern Rivers region, and is always willing to go the extra mile to get the right result.
Get in touch with Neil
Email:
Phone: 0419 505 112
Darren Underhill
Senior Manager, Business Banking, QLD
Based in our Brisbane office, Darren is responsible for the leading QLD Business Team and brings over 20 years of experience in leading high performance banking teams to this position.
Darren’s deep understanding of banking and client-centric approach ensures he and his team are driven to build long term relationships that provide the most appropriate funding solutions to our members no matter what the funding requirement.
Get in touch with Darren
Email:
Phone: 0498 074 613
Ritesh Tandon
Relationship Manager, Business Banking, QLD
Ritesh is an experienced financial services professional with an extensive banking career encompassing corporate, commercial, and specialised banking.
He delivers exceptional outcomes for his clients through a pragmatic and forward-thinking approach. Ritesh prides himself on developing strong, long-term relationships to provide superior standards of support for his clients.
Get in touch with Ritesh
Email:
Phone: 0474 576 609
Darren O’Hara
Senior Manager, Business Banking, WA
Darren is new to the team and has been in the banking industry for more than 25 years. After completing a Business Studies Degree, he worked 10 years in retail banking followed by 15 years in property finance specialising in commercial and institutional banking.
His expertise in property development and investment is an asset to our members and he leads a team of friendly and experienced relationship managers with expertise across a broad range of industries, including property development, commercial property investment and general commercial trading.
Get in touch with Darren
Email:
Phone: 0499 865 049
John Salter
Relationship Manager, Business Banking Property
John loves seeing projects get off the ground. An accomplished property finance specialist who has worked in the property and construction industries himself, he understands what it takes to make the right investment and bring a project to life. He’s dedicated to helping his clients overcome obstacles and see their project or financing proposal through to completion.
John brings more than 30 years of experience in the financial services, property and construction industries to his role. He places a high value on long-term relationships, and prides himself on providing good, old-fashioned personalised service and always being willing to go the extra mile for his clients.
Get in touch with John
Email:
Phone: 0482 182 110
Phil Urquhart
Relationship Manager, Business Banking
A Chartered Accountant with more than 20 years professional experience, Phil is passionate about helping his clients meet their business and personal financial goals.
Whilst working at a Big 4 accounting firm and in commercial lending for a number of years, Phil has developed extensive experience in providing tailored financial solutions (lending, deposit management, and risk mitigation) to family offices, SMEs, and corporates operating in mining services, logistics (air and road), wholesale distribution, property and professional services.
Whether you’re looking to grow your business, acquire assets, or simply in need of a Business Banking specialist who listens and works with you, get in touch with Phil today.
Get in touch with Phil
Email:
Phone: 0487 302 426
What our members are saying
Hear from the businesses that we’ve helped take control of their future.
Craig Wilson
General Manager - Coffs Harbour Bearing Centre
“We’ve been members since 2003. It was initially the low fees that won us over, but we’ve stayed because of the service. It’s got that local feeling, which is important to us. It’s not like dealing with a big bank.
I can call Kevin’s number and speak to him directly whenever I need to. That’s much better than calling a 1800 number and waiting in a queue, and then talking to someone who doesn’t understand our business. Kevin gets it. He knows how we operate and he knows what we need.
That personalised service makes all the difference. Kevin is part of our community; he’s been out to visit us at our business; and he goes above and beyond to work with us and come up with results within our timeframe.
At the end of the day, it’s about peace of mind – it’s good to know that if we ever have a problem, we can jump on the phone to Kevin and he can fix it for us.”
Important things you should know
Disclaimers & Conditions of Use
Credit products issued by Police & Nurses Limited (BCU) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.