Take the next step
in your stride
Tackle whatever's next for your business with new, affordable, flexible lending from ANZ that is part of the Australian Government SME Guarantee Scheme.
Choose from two low-rate lending options:
Talk to us about taking your next step
A low variable-rate business loan that is part of the Government Scheme. Borrow up to $1 million secureddisclaimer or unsecureddisclaimer, with no loan approval fee and no loan account fees.
Read about the Government SME Guarantee Scheme.
Features and benefits
Whether you’re starting out, looking to seize an opportunity or you’re ready to invest for growth, we’ve got you covered.
Low variable-rate loan
Unsecureddisclaimer or secureddisclaimer loan options
Borrow up to $1 million for up to five years
Interest rates & charges
Choose from an unsecured or secured loan.
From
ANZ unsecured loan variable ratedisclaimer
You won't need to provide an asset as security, although a personal guarantee may be required (for example from company directors).
ANZ secured loan
Secured loans with a lower rate availabledisclaimer
You'll need to provide a suitable asset as security that meets ANZ requirements and Scheme rulesdisclaimer.
Low fees
- No loan approval fee
- No loan account fees
What can I use it for?
Your loan can be used to meet the unique needs of your business, such as:
- Investing in your business
- Supporting the purchase of commercial property
- Supporting the start-up or purchase of a new business
- Purchasing stock or equipment
Available to both existing and new ANZ customers. To apply please ensure that your business and lending needs meet the Australian Government’s SME Guarantee Scheme criteria
Customers taking out ANZ Government Scheme lending are required, under the Scheme, to sign a Declaration to confirm their eligibility.
- Your business must have an ABN.
- Your business must have an annual turnover of less than $50 million (2019-20 income year) and/or is likely to be less than $50 million (2020‑21 income year).
- You are applying for new lending for business purposes. Refinance is only allowed for the re-finance of existing lending under Phase 1 of the Government’s SME Guarantee Scheme.
- Lending cannot be used: to purchase residential property or a financial product; to lease, rent, hire or hire purchase existing assets that are more than half way into their effective life; or for the provision of loans to an 'associated entity'.
- Lending is capped at $1 million in aggregate per ABN. This incorporates all lending that qualifies under the Scheme taken out by the ABN from any provider, excluding any Phase 1 Scheme lending.
- All lending must be unconditionally approved with signed contracts returned to ANZ by 30 June 2021.
For more information and eligibility details, visit Government SME Guarantee Scheme FAQs.
Are you after Vehicle and Equipment Finance instead?
Purchase vehicles and equipment for your business with ANZ’s new low-rate finance that is part of the Australian Government SME Guarantee Scheme. Borrow up to $1 million with the ability to tailor repayments to your cash flow.
Features at a glance
- Low fixed rate
- No establishment fee
- Tailor repayments to suit your cash flow
- Borrow up to $1 million for up to five years
- Security - the asset you purchase will be used as security for the financedisclaimer
For more information and eligibility details, visit Government SME Guarantee Scheme FAQs.
How to apply
You can choose how you'd like to apply for our ANZ Next Step Business Loan
Let us call you
Leave your details and our specialist business banker will call you to discuss your business needs.
Need a fast decision?
Get a decision fast when you apply online for unsecureddisclaimerloans up to $200K if eligible.
You’ll need to:
- be a sole trader or single-director company
- have been using accounting software since 1 February 2019.
Interest rates and fees are current as at Wednesday, 11 November 2020 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 Guarantee 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 Guarantee Scheme.
For a secured loan, you’ll need to provide security acceptable to ANZ, meeting ANZ’s requirements, including minimum security coverage and suitable location. Residential property can’t be used as security under the Government Guarantee Scheme. For 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).
Back to topRates may vary based on ANZ’s credit criteria or your financial circumstances.
Back to topVehicle and Equipment Finance product is a Chattel Mortgage. Some used assets may be ineligible under the Australian Government SME Guarantee Scheme.
Back to topFor 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).
Back to top