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ANZ Business Loan

A business loan that can be easily tailored to help with your lending needs.

Apply online for business loans up to $200,000 in 20 minutes


ANZ Online Business Lending

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

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

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

A flexible business loan that gives your business options

Flexible repayment terms

  • Loan terms tailored to match the purpose of your loan and type of security provided.  
  • Repayment options including Principal and Interest or Interest Only (maximum interest only terms apply)
  • Choice of repayment frequency including monthly, quarterly or annual to suit your business

Even more flexibility for Small Business

ANZ can provide eligible customersdisclaimermore options with an ANZ Business Loandisclaimerof less than $1 million dollars when secured by suitable residential or commercial property:

  • a maximum loan term of up to 30 years
  • an interest only repayment term of up to 10 years when the loan term is 20 years or more

Choice of unsecured or secured finance

Loans can be secured by various forms of security including residential,disclaimercommercial or rural property, business assets or a combination of these.

Variable or fixed-interest rate

We give you a choice of a variable or fixed rate and the ability to lock in your fixed rates for interest rate certainty. Plus, you choose if you pay interest in advance or in arrears. 

Things you should know

The ANZ Business Loan has a minimum loan amount of $10,000. Terms and conditions apply. We offer competitive interest rates for our business loans. Certain fees and charges apply.

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 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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Eligibility and credit criteria 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;

·       provision of security acceptable to ANZ, meeting ANZ’s security requirements including minimum security coverage and suitable security location.


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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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Residential property does not include property development or speculative residential construction.

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