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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
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.
ANZ Online Business Lending
Apply online in under 20 minutes for unsecured lendingdisclaimer up to $200,000.
ANZ Business loan
A loan that can be easily tailored to help you manage your business.
Vehicle and equipment finance
If you need funding for a business asset, check out our asset finance options.
Request a call back
Business overdrafts
Need help with cash flow? One of our overdrafts could suit your business.
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.
ANZ Tailored Commercial Facility
Get greater flexibility with a facility that helps you manage interest rate movements to protect your business.
ANZ Commercial Bill Facilities
Provides short or long term finance to help grow your business.
ANZ Revolving Agri Line
Get a flexible line of credit to suit your cash flow, designed specifically for agribusinesses.
Get back on top of things with a business credit card
Find the right business credit card to get back on top of things.
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).
Back to topExcludes 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.
Back to topFor 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).
Back to top