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Business loans and overdrafts

Whether you’re looking to run the day-to-day or grow your business, our loans and finance could be the support you need to take your next step.

Talk to us about our business loans and overdrafts

Take the next step in your stride

 

ANZ Next Step Business Loans

Affordable, flexible finance under the Australian Government’s  SME Guarantee Scheme.

  • Low variable rate loans
  • Borrow up to $1 million, secured or unsecureddisclaimer
  • No loan approval fee and no loan account fee
  • Vehicle & Equipment options available

 

Find out more

Helping you get through the ups and downs of business

2.95% p.a. fixed rate on a secured ANZ Business Loandisclaimer

 

At a glance:

  • Term: 2 or 3 year fixed interest term
  • Maximum loan amount: Total credit facilities with ANZ, including new loan funds as part of the application and any facilities held by related entities, must be less than $1 million
  • Security: Requires suitable security acceptable to ANZ, meeting ANZ’s requirements, including minimum security coverage.

Applications must be submitted by 15 December 2020.

Call 1800 801 485 

Request a call back

Loans and cash flow solutions for your business

 

ANZ Online Business Lending

Apply online in under 20 minutes for unsecured lendingdisclaimer up to $200,000.

 

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ANZ Business loan

A loan that can be easily tailored to help you manage your business. 

Learn more 

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Vehicle and equipment finance

If you need funding for a business asset, check out our asset finance options.

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Business overdrafts

Need help with cash flow? One of our overdrafts could suit your business.

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Looking for other business loans or finance solutions?

Bank guarantees

Build and grow your business by providing suppliers, landlords and other business partners with certainty of payment.

Learn more

ANZ Tailored Commercial Facility

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

Learn more

ANZ Commercial Bill Facilities

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

Learn more

ANZ Revolving Agri Line

Get a flexible line of credit to suit your cash flow, designed specifically for agribusinesses.

Learn more

 

Get back on top of things with a business credit card

Find the right business credit card to get back on top of things.

See business credit cards

Get in touch

 

Request a call back

Get an indication of how much your business could borrow

1800 801 485

Mon-Fri 8.30am to 8pm (AEST)

Interest rates and fees are current as at Wednesday, 11 November 2020 and are subject to change without notice. The interest rate on Variable Rate Loans is subject to change throughout the term of the Loan.

All lending provided by ANZ under the Australian Government SME Guarantee Scheme is subject to ANZ's normal credit approval criteria. Terms and conditions and Fees and charges apply.  For information and eligibility rules please visit Government SME Guarantee Scheme.  

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

ANZ recommends you read the applicable Terms and Conditions (available on application) before acquiring the product.

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

For a secured loan, you’ll need to provide security acceptable to ANZ, meeting ANZ’s requirements, including minimum security coverage and suitable location. Residential property can’t be used as security under the Government Guarantee Scheme. For an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required (for example from company directors).

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Excludes Business Mortgage Loan, Agri Finance Loan and Asset Finance Loans.

*After the fixed interest rate term expires, the loan will revert to the variable interest rate set out in your letter of offer. Fixed interest rate loans are subject to early repayment costs, which may apply if you repay your loan before the end of your fixed interest rate term or make early or additional repayments.

*Standard minimum loan amounts apply.

*Not available in connection with, or in addition to, any other promotion, relief (including repayment relief), rebate or discount.

*Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application.

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For an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required (for example from company directors).

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