ANZ Business Loan
A business loan that can be easily tailored to help with your lending needs.
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
*Rates may vary based on ANZ’s credit criteria or your financial circumstances. Refer to Important information below for all eligibility requirements.
Features and benefits
- Certainty of fixed repayments
- Ease of use: Set up the terms of the loan once to provide capital funding and not actively manage daily transactions.
- Repayment options including Principal and Interest or Interest Only
- Choice of repayment frequency to suit your business including monthly, quarterly or annual
- Borrow between $10,000 and $1,000,000disclaimer
If there’s a rate decrease you’ll miss out. Fixed Business Loan rates could work for you if your priorities are certainty and stability. Just remember that the trade-off is flexibility and the benefit of interest rate reductions (if they occur during your fixed rate period).
Apply online for business loans up to $200,000 in 20 minutes
ANZ GoBiz
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.
*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.
How to apply
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.
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
ReturnRequires suitable first class security acceptable to ANZ, meeting ANZ’s requirements, including minimum security coverage.
ReturnFor 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).
ReturnEligibility 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.
ReturnExcludes 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.
ReturnResidential property does not include property development or speculative residential construction.
Return