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Closed for applications
The Government SME Recovery Loan Scheme is now closed to new applications.
We offer a variety of other business loans and overdrafts that can fit your needs and help you manage your cash flow.
Other lending options
ANZ GoBiz
Applying online for a business loan or overdraft is easy. Get conditional approval in just 20 minutes, where eligible.disclaimer
Business loan amount:
$10k – $500,000
Overdraft limit:
$2k – $300,000
Term length:
Business Loan: Up to seven years with a variable rate, or up to three years with a fixed rate.
Overdraft: No minimum or maximum term
Security:
Unsecureddisclaimer
ANZ Business loan
An easy-to-use and flexible business loan that can be tailored to suit your lending needs.
Loan amount:
Minimum $10,000
Term length:*
1 – 15 years for unsecured loans
1 – 30 years for secured loansdisclaimer
Security:
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.
Vehicle and Equipment
ANZ Vehicle and Equipment Finance is tailored to suit the needs and cash flow of your business.
Loan amount:
Minimum $7,500
Term length:*
1 – 5 yearsdisclaimer
Security:
Secured
*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).
Interest rates are current as at and are subject to change.
For an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required in cases of directors.
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 in cases of directors.
ReturnThe 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:
- 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 $3 million;
- loan purpose acceptable to ANZ; and
- provision of security acceptable to ANZ, meeting ANZ’s security requirements including minimum security coverage and suitable security location.
The 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.
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