ANZ Smart Choice Super.
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Bank guarantees
Build and grow your business by providing suppliers, landlords and other business partners with certainty of payment.
Connect with a business banking specialist
ANZ Indemnity Guarantee
An ANZ Indemnity Guarantee (or Bank Guarantee) is an alternative to providing a deposit or bond directly to a supplier, vendor or landlord. It gives them certainty that ANZ will pay them and you the flexibility to extend your payment terms.
Flexible security options
We're flexible with security options, depending on your business needs and circumstances. Security can include cash, residentialdisclaimer, commercial or rural property or a combination of both.
No minimum or maximum amounts
Work with a business specialist to customise a guarantee that meets your requirements. Rates and fees are available on application.
Widely accepted by Australian businesses
Our guarantees are a trusted financial commitment that can give you flexibility to extend your payment terms.
Earn interest on any cash security
When you use cash as security for your guarantee, you can earn interest on money you would otherwise have paid to the third party.
Cash Cover Indemnity Guarantee
Choose a guarantee fully secured by cash
A Cash Cover Indemnity Guarantee Facility is 100% secured by cash and eligible customers can apply using a simple, fast-tracked application process. Then your cash is held in a dedicated ANZ bank account, earning you interest.
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A business loan that gives you choice and control
An easy-to-use and flexible business loan that can be tailored to suit your lending needs.
Need help with your cashflow?
One of our overdrafts could suit your business needs, giving you access to a line of credit with flexible repayments.
Looking for a business credit card?
Choose from our range of business credit cards, including low rate and rewards cards.
Any questions about guarantees?
Visit a branch
Locate an ANZ branch and talk to a business banker near you.
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 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.
In order to open a guarantee, you must also nominate another transaction account maintained with ANZ (“Nominated Transaction Account”) into which interest earned on your guarantee will be paid. In the absence of such nomination, or should your Nominated Transaction Account be closed or its operations suspended, ANZ may pay interest on your guarantee to you in any other manner it deems to be appropriate.
Residential property does not include property development or speculative residential construction.
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