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ANZ Commercial Bill Facilities

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

Need a cash injection for your business?

Multiple bill facility arrangements

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.

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.

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.

Flexible security options

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

Things you should know

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

ANZ Commercial Bill Facilities have a minimum lending amount of $500,000 and 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).

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. 

  • Minimum loan amount: $1,000,000
  • Term: up to five years
  • Repayments: select from a range of flexible repayment options to meet your business cashflow needs.

How to apply

1800 801 485

Mon-Fri 8.30am to 8pm (AEST)

Need help with your existing facility?   1800 801 485



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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 104kB) 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.

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


In 2016 and 2017 the ANZ Business Loan was awarded ANZ CANSTAR’s 5-star rating for Business Loans.