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ANZ Commercial Bill Facilities

Provides short or long-term finance to help grow your business.

ANZ has a team of Relationship Managers who work in partnership with Market Specialists to discuss your lending needs and assess your suitability for this product.

  • A maximum term of up to five years
  • Certain fees and charges apply including a Usage Line Fee, Commitment Fee, Bill Handling Fee and Early Repayment Costs (where applicable).

Connect with a business banking specialist

Need a cash injection for your business?

Multiple bill facility arrangements available

Eligible business customers can choose from a range of bill facility types: Variable, Fixed, Capped, Range or a combination of these under a Tailored Business Facility.

Manage your exposure to interest rate movements

An ANZ Commercial Bill Facility could help protect you when interest rates increase, depending on your risk appetite.

Numerous repayment options

The face value of the Bill is repaid at the end of each rollover period. You can tailor the facility to cover:

  • principal or interest-only reductions
  • seasonal or irregular repayments
  • balloon repayments
  • progressive draw-downs.

Flexible security options

Choose between secured and unsecured finance. Bills can be secured by various forms of security including residential,disclaimer commercial or rural property, business assets or a combination of these.


Add more flexibility with an ANZ Tailored Business Facility


Protect your business from interest rate risks

An ANZ Tailored Business Facility can be tailored to your unique business needs, letting you combine up to five solutions in one convenient package, putting you in control of your cash flow. 

  • Term: up to five years
  • Repayments: select from a range of flexible repayment options to meet your business cash flow needs.

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Need help with your cash flow?

One of our overdrafts could suit your business needs, giving you access to a line of credit with flexible repayments.

ANZ Business Overdraft


Looking for a business credit card?

Choose from our range of business credit cards, including low rate and rewards cards.

ANZ Business Credit Cards 

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Mon-Fri 8am to 6pm (AEST)

1800 351 663


Visit a branch

Locate an ANZ branch and talk to a business banker near you.

Find your local business banker


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 and the ANZ Financial Services Guide (PDF) 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 conditionsFees 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.

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