ANZ Smart Choice Super.
Super. Easy.
Set up in just five minutes,
in app or online.
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.
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.
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.
Tools and resources
Business lending
This checklist can help you get organised and prepare for a business lending application.
Business plan
Create your own business plan with the help of our business plan template and make the experience a stress-free one.
Cash flow improvement
Improve your cash flow and draw up an action plan with our comprehensive tips.
ANZ Business Credit Cards offer
No Annual Card Feedisclaimerand Rewards Feedisclaimerin the first year. Earn extra Reward Points if you meet spend criteria on eligible purchases in the first 3 months from approval.disclaimer
T&Cs, eligibility criteria, fees and charges apply.
ANZ GoBiz
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
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.
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.
Offer available to new and approved applicants who apply for a new ANZ Business credit card account. Excludes ANZ Corporate and Purchasing cards. ANZ may terminate or withdraw this offer at any time without prior notice. The Annual Fee offer applies only once per new ANZ Business credit card account. Offer is not available when transferring from an existing ANZ Business credit card account. The Annual Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) in respect of the new ANZ Business credit card account. In subsequent years the Annual Fee (currently $300 for an ANZ Qantas Business Rewards account, $300 for an ANZ Business Black account, $150 for an ANZ Business 55 Interest Free Days account, and $100 for an ANZ Business Low Rate account but is subject to change) will apply.
ReturnOffer available to new and approved applicants who apply for a new ANZ Qantas Business Rewards and/or ANZ Business Black account. ANZ may terminate or withdraw this offer at any time without prior notice. The Rewards Fee offer applies only once per new ANZ Qantas Business Rewards and/or ANZ Business Black account. Offer is not available when transferring from an existing ANZ Business credit card account. The Rewards Fee will be waived in the first year for each Commercial Card opened on a new ANZ Qantas Business Rewards and/or ANZ Business Black account for which an application is submitted by the customer. The Rewards Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) in respect of the new ANZ Qantas Business Rewards and/or ANZ Business Black account. In subsequent years the Rewards Fee (currently $75 but subject to change) will apply.
ReturnOffer available to new and approved applicants who apply for a new ANZ Business Black account. ANZ may terminate or withdraw this offer at any time without prior notice. This offer applies only once per new ANZ Business Black account. Offer is not available when transferring from an existing ANZ Business credit card account and/or adding additional account to an existing ANZ Business credit card contract. In respect of an ANZ Business Black account, your application must be approved, and you must activate your ANZ Business Black account and make $6,000 worth of eligible purchases within 90 days of approval to receive the 100,000 extra Reward Points. Eligible purchases means purchases which are eligible to earn Reward Points. Certain transactions and other items are not eligible to earn Reward Points. For details refer to the Business Rewards Program Terms and Conditions (PDF). The extra Reward Points will be credited to the Principal/Rewards Administrator within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Business Black account before the extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the extra Reward points are processed to your account, you will be ineligible for this offer until any overdue amount and amounts shown on your statement as being payable immediately have been paid.
ReturnFor an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required in cases of directors.
ReturnApplicants 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.
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