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Be ready for lending

Growing too fast too quickly can feel like a spanner in the works but knowing how to access funds can ensure you’re prepared to say a big yes when opportunities start rolling in. 

What you'll find:

  • The importance of a savings buffer
  • What banks are looking for when you’re ready for a loan
  • Alternative ways to raise capital

Articles about creating opportunities

The importance of a savings buffer

4-minute read

Everything you need to know about establishing a savings buffer in case uncertain times are ahead. 

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Preparing for business lending: What are banks looking for?

4-minute read

Understand the four Cs of credit, which banks and other lenders consider when assessing business loan applications.

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Need more funds? Compare business loan options 

4-minute read

If you’ve decided you need to access more funds for your business, there are a few options available to you.

Keep reading

Tools and resources

Icon representing business lending checklist showing paper with $ sign and pencil

Business lending

This checklist can help you get organised and prepare for a business lending application.

Business lending checklist (PDF 1.1MB)

Icon representing business plan template showing a checklist pen bag of cash and coins

Business plan

Create your own business plan with the help of our business plan template and make the experience a stress-free one.

Business plan template (PDF 1.1MB)

Icon representing cash flow improvement checklist showing coins a tick and a percentage sign

Cash flow improvement

Improve your cash flow and draw up an action plan with our comprehensive tips.

Cash flow improvement checklist (PDF 1.5MB)

ANZ GoBiz illustration of a clock, mobile and coins


Easily apply online for a business loan or overdraft through a one-time connection to your accounting software.

Apply for unsecureddisclaimerbusiness finance and, if eligible, get conditional approval in just 20 minutes.disclaimer

Explore ANZ GoBiz


Get a personalised financial check-in

You don't have to figure it all out on your own. Book in a free Financially Ready Check-in with a small business specialist, with no ongoing obligation.

What you can expect

  • We’ll guide you through some simple questions about your financial systems, cash flow and goals.
  • Discuss next steps that you can consider taking to help your business become financially ready for today, tomorrow or the unexpected.

It only takes 15 minutes, and it’s free.

Request a check-in

This is general information only, so it doesn’t take into account your objectives, financial situation or needs. ANZ is not giving you advice or recommendations (including tax advice), and there may be other ways to manage finances, planning and decisions for your business.

Read the ANZ Financial Services Guide (PDF) and, if applicable, the product Terms and Conditions. Carefully consider what's right for you, and ask your lawyer, accountant or financial planner if you need help. 

Any tools, checklists or calculators produce results based on the limited information you provide so they are an estimate or guide only. As they are incomplete, they are not a substitute for professional advice.

Terms and conditions, fees and charges, and credit approval and eligibility criteria apply to ANZ products.

For an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required in cases of directors.


Applicants for ANZ GoBiz need to meet eligibility and credit criteria. Once approved, you'll need to sign and return your documents. Once we receive these, your funds will be in your business account within 2 business days.