Welcome to P4 Finance

P4 Finance Pty Ltd offers a loan facility to help Flight Centre Travel Group Managers to purchase a BOS (Business Ownership Scheme) in their business.

We are a separate registered finance company, but we are a fully owned subsidiary of Flight Centre Travel Group Pty Ltd. Therefore we understand the business and use this to help managers to build on their own success.



This loan product is available exclusively to Flight Centre Travel Group Business Leaders, for the purpose of buying a Business Ownership Scheme (BOS). The P4 Finance BOS Loans are an Interest Only loan at a competitive variable interest rate.


The Loan is only available in conjunction with the purchase of a new BOS Note. The loan amount will be for the same or lesser value as the BOS note being purchased, and can only be offered to the BOS note owner. All funds borrowed will be transferred directly by P4 Finance to the FCTG business for the purchase of the BOS Note.


Loans are a 12 month loan agreement, which are renewed annually on the loan’s anniversary (renewal is subject to approval from P4 Finance).


Loans can be held in the name of a Family Trust or Company, as long as this is the same entity as the owner of the BOS note, and the BOS Business Manager is the Sole Trustee or Director of the Trust or Company.The loan interest payments and any fees applicable are to be Direct Debited from a nominated account.


If the BOS Note is redeemed at any time, the redemption proceeds are to be returned to P4 Finance to pay off the principal amount of the Loan. Any outstanding Interest at that date is to be paid by the borrower at that time. All Loan applications will be assessed before approval, and are subject to credit criteria.
P4 Finance BOS Loan

Current Interest Rate

All loans are set up as Interest Only loans. Interest is calculated to and charged on the 22nd of each month, with the interest payment also due on the same day (or next business day).

9.60% p.a.
NOTE: *Interest is calculated daily and charged monthly. Loans to approved applicants only. P4 Finance BOS loan rates are a variable rate and set by adding a margin of 5.25% p.a. to the current Australian Reserve Bank’s Cash Rate.
Loan Calculator
Please click here to read full conditions and disclaimer before applying.
Rates & Fees

P4 Finance BOS Loan - Loan Fees

The following information outlines the rates and fees associated with this loan. Please review carefully to understand the costs involved in obtaining and repaying the loan.

Application Fee


Or $25 for existing P4 Finance Loan Holders.

Yearly Rollover Fee


This will be charged on a yearly anniversary of the loan to rollover for a further 12 months.

Payment Dishonour Fee


This fee will be charged if for any reason your Direct Debit is not available to be processed from your nominated account.

Default Interest Rate


While a loan is in arrears, an additional Default Interest Rate of 3% per annum will be charged.


Start your application.

To get started, click on the button below. This will take you to the application form where you can enter your personal and financial details and upload relevant documentation. Our team will then review your application and get back to you with the next steps.

Have questions?

View our FAQ.

Read through our FAQ or Contact Us directly with any questions you may have.