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Business loan calculator
Use our business loan repayment calculator to quickly work out how much your repayments could be.
You can choose to estimate your instalments on a secured or unsecured business loan and the difference an interest-only period would make to your payments.
For loans of over $3 million, book a Business finance phone appointment with a business banking specialist.
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Estimated repayments are estimates only based on the information you input. They are for illustrative purposes only and are not an offer of finance. The calculator may allow you to select an input (e.g., repayment frequency, loan period) that may not be available for your actual business loan. Estimated repayments do not include fees and charges payable for your business loan and therefore can be higher or lower than the actual figure shown.
Let's talk business
Your repayment estimate is just the start. Chat with our small business banking specialists to find the right lending for your goals.
Fast, easy online business loans
Apply using your accounting software data and you could borrow up to $500k if eligible. Fees and charges apply.
Get our lowest rates
Whatever your business goals, we’ve got loan options to help you get there.
Choose a secured loan for lower rates or go unsecured for greater freedom, all with the flexibility to suit your cash flow and growth plans.
Business loans
Design your loan with help from our business banking specialists by selecting your interest-only period, how often you’d like to make payments, and whether you’d like to use an asset as security.
- $10,000 minimum
- Choose a fixed or variable rate
- Borrow for up to 30 years
Unsecured business loans
Apply online with your accounting software and get conditional approval in 20 minutes, if eligible. Already a business customer? Use your ANZ bank account data to apply even faster. Fees and charges apply.
- Borrow $10,000 to $200,000
- Choose a fixed or variable rate
- Borrow for up to 7 years
Six steps to prepare for lending
Good financial management can make or break a business. Having a solid grasp of you business' financial position, developing good financial practices, and having the right system in place is crucial to success.
Accessible banking
Our aim is to make ANZ products and services more accessible and inclusive.
Financial hardship
If you’re experiencing vulnerability or having trouble making repayments on your loan or credit card, get in touch and together we can work on a plan to get you back on track.
Interest rates and fees are current as at Friday, 16 June 2023 and are subject to change without notice. The interest rate on Variable Rate Loans is subject to change throughout the term of the Loan.
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.
Products are available to approved applicants for business purposes only. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions, Fees and charges and eligibility criteria apply.
We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether these products are right for you.
The term of the loan will be subject to relevant product terms and conditions, eligibility and credit criteria, and will vary according to the loan amount and security provided. Eligibility criteria for an ANZ Business Loan with a 30-year loan term includes:
- 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 $3 million;
- loan purpose acceptable to ANZ; and
- provision of security acceptable to ANZ, meeting ANZ’s security requirements including minimum security coverage and suitable security location.