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Borrow

Whether you are starting out, looking to seize an opportunity to grow or just managing the ongoing costs of running a business, sometimes borrowing money could help you achieve your goals.

Explore borrowing

Other useful information 

Start a business Make paymentsManage cashflow

Key considerations for getting finance

Understand your options

A loan may seem like your ‘obvious’ choice but there may be other ways to finance your needs. For example, you may consider whether it would be better to lease rather than buy new equipment. Explore your options with your accountant or business advisors.

Get your financials in order

The outcome of your application is influenced by how well your proposal is researched and how well it is presented. Keep up to date with details such as your tax returns, assets and liabilities and any existing debt which can help strengthen your case.

Get help from someone who knows

If you need help, you can always discuss your borrowing needs with your local ANZ business banker. Go through important considerations such as how much you can realistically borrow, any existing debt and your ability to service the loan.

 

Borrowing Capacity Calculator

Get an indication of how much your business could borrow.

Find out more

Learn and connect

Tool

Start your business checklist

We’ve compiled a checklist with links to support you through this process.

Tool

Grow your business checklist

We’ve compiled a checklist of actions that will help prepare your business for the next level.

Article

Applying for business finance

Applying for finance can seem daunting, but it’s easier once you know exactly what you want and how to approach lenders.

Support

Growing your business

Expansion and growth are the goals for many entrepreneurs so we've created some videos, articles and tools to help you reach your business goals.

Tool

Borrowing capacity tool

Get an indication of how much your business could borrow.

Tool

How to calculate break-even point

It’s important to know what your break-even point will be when you start up a business. 

Article

When to commit to your business full-time

Our guide can help you determine the right moment to make the transition to a full-time business.

Speak to us about borrowing

1800 801 485

Mon-Fri 8am to 8pm (AEST)

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF 334kB) before acquiring the product.

All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions available on application. Fees and charges apply.

This page contains only general information which is subject to change and is not a substitute for commercial judgement or professional advice. This information does not take into account your personal and financial needs, particular objectives and/or circumstances, and you should seek appropriate independent advice (which may include property, legal, financial, taxation and accounting advice) before making any decisions, investing, or acting on it.

Tools, templates, checklists, and calculators (“ANZ Tools”) linked or referred to on this page, are only some of many ways to analyse a business or industry, or to assist your planning and business decision making. You should seek the assistance of your accountant, business or other advisor when either planning for or analysing your business.

To the extent permitted by law, all members of the ANZ group of companies, their employees, officers and contractors (“ANZ“), offer no warranty and disclaim liability or responsibility to any person for any actions, claims, costs, demands, liability, or direct or indirect losses or damage that may result from using or relying on the information set out in the anz.com pages or the ANZ Tools, and / or any act, omission or error, by any person in relation to them.  To the extent permitted by law, ANZ makes no warranty and has no liability in respect of your use and reliance. ANZ Tools are also subject in many cases to further specific cautionary wording and disclaimers which you should read.