Simpler home loans.
What a feeling.
We’ve simplified our home loans and dropped bundled packages.
No more packages. No annual package fee. Same great rates.
ANZ Business loan can help with your long term needs, supporting the growth of your business.
Talk to us to find out which loan features are available in your circumstances.
Minimum loan amount
Loan term
Security options
Interest rate
Interest rate
Loans can be secured by various forms of security including residential, commercial or rural property, business assets or a combination of these, acceptable to ANZ.disclaimer
ANZ can provide eligible customers a maximum loan term of up to 30 years with an ANZ Business Loan of less than $3 million when secured by suitable residential or commercial property.disclaimer
Where total lending of the borrowing group is less than $3 million and the loan term is 20 years or more, customers may also be eligible for an interest only repayment term of up to 10 years.
Our rapid refinance process is available for business lending up to $1m. Eligible customers with a good payment history disclaimer just need two documents to apply which could mean your loan is approved within days.
Eligibility Terms and Conditions apply. disclaimer
To be eligible for ANZ business loan, you will need:
Even though you might not be eligible for an ANZ Loan, there may be other lending options for you.
For more information, speak to a business banking specialist on 1800 801 485.
Supporting the recovery of SMEs dealing with the economic impacts of COVID-19.
Unsecured or Secured ANZ Business Loan options available.
Send us your information and a business banking specialist will get back to you as soon as possible.
Applying online for a business loan or overdraft is easy. Get conditional approval in just 20 minutes, where eligible.disclaimer
$10k – $200,000
$2k – $100,000
Business Loan: Up to 7 years variable only
Overdraft: No minimum or maximum term
Unsecured
An ANZ Business Overdraft allows you to access additional funds up to an approved limit whenever you need it.
Minimum $2,000
No minimum or maximum term
Secured or unsecureddisclaimer
*Term lengths are subject to the relevant product terms and conditions, eligibility and credit criteria, and will vary according to the security provided (including financed assets).
ANZ Vehicle and Equipment Finance is tailored to suit the needs and cash flow of your business.
Minimum $7,500
1 – 5 yearsdisclaimer
Secured or unsecured
*Term lengths are subject to the relevant product terms and conditions, eligibility and credit criteria, and will vary according to the security provided (including financed assets).
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The accounting platform that you use every day could be the key to taking your business to the next level.
Locate an ANZ branch and talk to a business banker near you.
Interest rates and fees are current as at 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 Recovery Loan 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 Recovery Loan 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.
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:
Fixed interest rate terms of up to 10 years are only available when paying interest in arrears and fixed interest rate terms of up to 5 years are available when paying interest in advance.
ReturnFor secured loans, the security provided must be acceptable to ANZ, meeting ANZ security requirements including minimum security coverage and suitable security location.
ReturnYou need to provide 12 months of statements which show current minimum repayment amount and no late repayments on your existing business lending facility. If the bank statements do not set out the minimum repayment amount, this information will need to be provided separately (e.g. copy of letter of offer or notice, or screenshot of account details, showing the amount).
ReturnTerms and conditions, eligibility and credit criteria apply for ANZ’s rapid refinance process, including:
Applicants for ANZ GoBiz need to meet eligibility and credit criteria. Once approved, you'll need to sign and return your documents. Once we receive these, your funds will be in your business account within 2 business days.
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).
ReturnThe eligibility criteria for Vehicle and Equipment Finance on a term of up to 5-years includes purchase of an asset acceptable to ANZ, meeting ANZ’s security requirements including suitable age, type and intended use of the asset.
Return