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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.

ANZ Business Loan Fixed Rate from 2.49% p.a.*

Take advantage of our low interest rates on our fixed term business loan to invest in the growth of your business.

  • Fixed term for either 2 years or 3 years
  • Borrow between $10,000 and $1,000,000disclaimer
  • Secured on an ANZ Business Loandisclaimer
  • New or increased Business lending only
  • Apply by 31 May 2021

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*Rates may vary based on ANZ’s credit criteria or your financial circumstances. Refer to Important information below for all eligibility requirements.

More about ANZ Business Loan


Government SME Guarantee Scheme business loans


Government SME Recovery Loan Scheme

Long-term funding to support businesses that have accessed JobKeeper between 4 January and 28 March 2021.

  • Borrow up to $5 million
  • Loan terms up to 10 years
  • Secured or unsecured loan optionsdisclaimer available (excluding residential property)


SME Recovery Loan Scheme


ANZ Next Step Business Loans

Variable, low-rate business loans that provide financial options to meet your business needs.

  • Borrow up to $1 million
  • Loan terms up to 5 years
  • Vehicle & Equipment finance options available


Next Step Business Loans



ANZ Business Loan

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

Business loans


Vehicle and equipment finance

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

Vehicle and equipment finance


Business overdrafts

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

Business overdrafts


Apply online and get conditional approval, where eligible, in 20 minutes


Use your accounting software data* to quickly and easily apply for unsecured lending online.disclaimer

  • ANZ Business Overdraft: Borrow up to $100,000 to manage cash flow ups and downs.
  • ANZ Next Step Business Loan: Borrow up to $200,000 at  under the Government Guarantee Scheme and tackle whatever’s next for your business.

Check it out

*Eligible accounting software: Xero, Intuit QuickBooks, MYOB AccountRight


Looking for other business loans or finance solutions?


Why choose ANZ for your business banking needs?

Dedicated team

ANZ’s team of business banking experts will work with you to help you find the best banking solution for your business.

Banking on your own terms

Connect with our business bankers in a way that suits you - either call us now or request a call back for later.

Flexible banking solutions

We have a range of business banking solutions that may suit your individual business needs.


Get in touch

Request a call back

Have us call you back to discuss your business needs

Leave your details


Call us

Mon-Fri 8.30am to 8pm (AEST)

1800 801 485


Talk to someone local

Chat with one of our local business bankers

Find your local business banker


Interest rates and fees are current as at Monday, 15 March 2021 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.

Eligibility and credit criteria for ANZ Business Loan's Fixed Rate Offer will apply, including:

*Total credit facilities with ANZ, including new loan funds as part of the application and any credit facilities held by related entities, must be less than $1 million.

*Loan purpose acceptable to ANZ.

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

*All applications for credit are subject to ANZ’s normal credit approval criteria. Terms and conditions, fees and charges and standard minimum loan amounts apply.

*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.

*The offer is available for new lending only (includes refinance from other financial institutions and new lending to existing customers, (not loan restructures).

*The applicant’s Letter of Offer must be signed and returned to ANZ by 30 July 2021 to be eligible for the offer, and standard T&Cs apply in accordance with the time frames set out in applicants Letter of Offer.

*This offer cannot be used in connection with, or addition to any other program, promotion, relief (including repayment relief) or rebate.

*This offer can be changed or withdrawn at any time without prior notice if you have not yet submitted an application


Requires suitable first class security acceptable to ANZ, meeting ANZ’s requirements, including minimum security coverage.


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).


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).