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Get finance

If you decide getting finance is the right option for your business needs, there are a number of things to consider:  how much can you realistically borrow, how much will you be able to contribute and what security you could offer. Having a good understanding of your financial position and a strong business plan can help strengthen your case for finance.

Products and services to consider

ANZ Business Loan

An award-winning loan that can be tailored to help you manage your business.disclaimer

ANZ Business Overdraft

A line of credit that helps give you peace of mind with flexible payment options to suit your business cashflow needs.

ANZ Tailored Commercial Facility

Get greater flexibility with a facility that lets you manage interest rate movements to protect your business.

ANZ Commercial Bill Facilities

Provides short or long term finance to help grow your business.

Explore borrowing

Learn and connect

Article

Do you need finance?

Concerned that a lack of funds may be limiting your business performance? Think through the various approaches to funding to help you decide your approach to sourcing it.

Tool

Borrowing capacity tool

Get an indication of how much your business could borrow.

Tool

Debt ratio calculator

The debt ratio gives an indication of the gearing level of your business.

Article

The difference between an overdraft and a loan

Bank loans and overdrafts are both loans. They both involve borrowing money from the bank, but under different conditions.

Article

Five ways to shorten your cash cycle

Here are five ways which could shorten your cash cycle to help you get paid sooner. 

Article

Should you use outside capital to grow your business?

It’s important to weigh up the pros and cons of accepting investment before you begin down this path.

Speak to someone who knows

Whether your business is big or small, global or local, ANZ's business bankers can help. We will get to know you and your business and offer smart, personalised banking ideas and solutions.

Tailored solutions
Specialised knowledge
Dedicated support
Industry insights

   

Speak to us about getting finance

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.

In 2016 and 2017 the ANZ Business Loan was awarded ANZ CANSTAR’s 5-star rating for Business Loans.

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