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Fast, easy online business loans and overdrafts with ANZ GoBiz

Is cash flow keeping you up at night? Apply online through an encrypted, one-time connection to your accounting software and, if eligible, get conditional approval in minutes.

Apply online in just 20 minutes
 

You don’t need to bank with ANZ to use GoBiz
 

No application paperwork or need to visit a branch
 

See how much you could borrow before the credit check
 

Funds can be in your account in two days, if approved*
 

Apply online now

* 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.

  Apply for a loan or overdraft in just 20 minutes

Why choose ANZ GoBiz?

Fast online applications

Connect your accounting software to share your business financials and get a quick answer online with less paperwork. 

Conditional approval in minutes

Where eligible, get conditional approval in minutes and full approval within two business days.disclaimer

See how much you could borrow 

Not feeling ready to apply just yet? You can explore the ANZ GoBiz application form and see how much you could borrow before triggering a credit check.

How does it work?

 

1. Get started online

Simply tell us about yourself, your business and how much you want to borrow, plus a few simple questions to determine if GoBiz is right for you. If it’s not, our expert business bankers are standing by to assist.

2. Connect to your accounting software

Once you log in and provide consent, ANZ will securely analyse the previous 6 and up to 12 months of financial data if available. This includes profit and loss, balance sheet, historical transactions and supporting information. You'll be able to see how much you could apply for right away.

3. Submit your application

Confirm the amount you want to borrow and submit your application to get conditional approval in minutes. We'll ask for your consent and also the  consent of any other directors before we complete a credit check.

4. Receive funds in your account

After you sign and return your contracts, you will receive funds within two business days.disclaimer

 

Eligibility

Online accounting software logos

ANZ GoBiz is an online platform which connects with your accounting software to assess your financial data.

GoBiz is suitable if your business:

  • Uses Xero, MYOB or Intuit QuickBooks
  • Has at least 6 months of continuous reconciled financial data in AUD
  • Operates under a registered ABN/ACN.
  • Has been GST registered if annual turnover is $75,000 or more
  • Has an annual turnover not exceeding $10m
  • Is a sole trader, a company or a partnership
  • Is a fixed unit or discretionary trading trust with a corporate trustee
  • Has up to five directors or partners 

And if you are:

  • The key financial decision maker for your entity
  • An Australian citizen or permanent resident
  • Over 18 years old
   

GoBiz is not suitable if your business:

  • Is a franchise
  • Is a partnership with a company as a partner
  • Has had a director leave in the past 6 months
  • Has sold 25% or more of its shares in the last 6 months

Total borrowing limits when applying for lending:

  • $50,000 for all your ANZ business credit cards disclaimer
  • $300,000 for all your ANZ business overdrafts disclaimer
  • $500,000 for all business lending products applied for via ANZ GoBiz disclaimer
  • Less than $1.5 million for all your ANZ business lending products
   

ANZ GoBiz products

 

Fast online application pill
Illustration business product – business loan unsecured

Unsecured business loans

Business loans have an agreed lending term and can suit small and large capital purchases.

  • No upfront or admin fees
  • Borrow $10,000 to $500,000
  • variable or fixed rate
  • Great for growing your business
  • Choose a fixed or variable rate
  • Borrow money for up to seven years

Explore unsecured loans

 

Fast online application pill
Illustration business product – business overdraft unsecured

Unsecured business overdrafts

Get the flexibility to easily draw money as you need it, up to your agreed limit.

  • Access $2,000 to $300,000
  • variable rate
  • Great for meeting day-to-day expenses
  • Helps you manage interim cash flow needs
  • Only pay interest on the money you use

Explore unsecured overdrafts

 

Fast online application pill
Illustration business credit cards

Business credit cards

ANZ Business credit cards help grow your business with unique and convenient features and special offers. 

Compare and choose from a range of low rate, interest free and rewards credit cards. 

Explore business credit cards

Your questions answered

While both business loans and overdrafts involve borrowing money, they’re set up differently to meet different needs.

Business loan

A business loan has a set lending term and can suit small and large capital purchases. With a business loan you will make regular agreed repayments.

Business overdraft

Overdrafts are flexible short-term cash flow solutions that can help with the ups and downs of business by covering trading or seasonal cash flow cycles or managing working capital, e.g. paying suppliers or purchasing stock. Unlike business loans, overdrafts do not have set repayment commitments. You can draw on the funds in your overdraft, up to the agreed limit, and make deposits when funds are available. There is a fee that is applied to the limit, but you’ll only pay interest on the overdraft amount you use, not on the total limit.

We’ve waived ANZ’s standard approval fee for all ANZ GoBiz applications.

Other standard fees and charges apply. You can read more at ANZ fees or see our unsecured business loanunsecured business overdraft and business credit card pages for further information.

At the end of the 20 minute online application, it’s possible that you’ll receive a conditional approval. This means that you’re approved for credit from us, subject to our team verifying the information you provided and checking your existing account conduct (where applicable).

It should take no more than two business days before we can provide the final, unconditional approval. There may be instances where we need additional information from you, which could extend this timeframe.

If we are unable to approve your application, we’ll let you know what your next steps are.

At the end of the ANZ GoBiz application, we will ask for your consent and for the consent of any other directors/partners to complete a credit check. The credit check involves ANZ accessing credit reports from credit reporting bodies. These reports contain information, such as your credit history, that assists us in assessing your application.

If your business has multiple directors/partners, you’ll need to provide contact details for each person so that we can contact them and get their digital consent to conduct an individual credit check.

You can find out how much you should be able to borrow by starting the GoBiz application and following the steps. A credit check won’t be triggered until you hit the ‘Submit’ button at the end of the application.

By applying through ANZ GoBiz, we’ll collect your personal and business information to assess your application.

We may use this personal and business information to progress your application, including contacting you about incomplete applications and to request a credit report from a credit reporting authority.

You, or the other directors/partners, can call us on 13 13 14 at any time to withdraw consent to this use of your personal or business information, or to find out more. You can also read more about the collection of personal information at ANZ's Privacy Centre.

With an unsecured business loan or overdraft you will not need to use your assets, like cash or property, as a form of security.

Unsecured lending can be useful when you don’t want to use your assets as security or if your assets are already linked to other lending/contracts; however, the interest rate may be higher than that of secured lending. 

Financial providers tend to take an individual guarantee and indemnity from the directors of the business taking out the unsecured lending. This means that if the business fails to meet its lending obligations, like repaying the loan, the directors can be held responsible.

With ANZ GoBiz you will not need to provide an asset as security. Directors of the business taking out the unsecured lending will need to provide an individual guarantee and indemnity.

Yes, you may use ANZ GoBiz to apply for a new unsecured loan, unsecured overdraft or credit card even if you currently have ANZ business loans, overdrafts or business credit cards.

Additionally, you may use GoBiz to apply for a limit increase on your current ANZ unsecured overdraft.

The following total borrowing limits will apply.

If you wish to apply for more than these limits, please speak to a business banking specialist.

Yes, you can still complete the application yourself if your accounts are managed by an accountant/bookkeeper.

There are a couple things you should plan for:

  • You will need your own accounting software login details to make a one-time-only connection to your business’ accounting software.
  • Make sure that your financials are current and that recent transactions have been reconciled before beginning your application.
  • We will ask you to review and verify high-level details from the financial information we collect. You may find it useful to have Profit and Loss and Balance Sheet reports for your business ready, for the previous 6 months and up to 12 months.
  • You will be asked to provide details of any existing business lending, which could include: credit cards, business loans, overdrafts, vehicle and equipment finance or bank guarantees/rental bonds.

An ANZ business transaction account is necessary to access the credit being requested. If your business doesn’t have an ANZ business transaction account, ANZ will open a suitable transaction account.

Find out more about ANZ business transaction accounts.

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Brisbane jeweller Ashley Portas is funding the next chapter of growth for his successful jewellery store with help from ANZ GoBiz.

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Octtava Wines owner Nikki Palun applied for a business loan using ANZ GoBiz to fund her bold, inner-city vision for music, food and wine venue.

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The accounting platform that you use every day could be the key to taking your business to the next level.

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Call us

Mon-Fri 8am to 6pm (AEST)

1800 351 663

   

Interest rates and fees are current as at and are subject to change without notice. The interest rate on Variable Rate Loans is subject to change throughout the term of the Loan.

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 before acquiring the product.

Business loans: If you are applying for a Business loan you can read all the applicable terms and conditions regarding fees, charges and conditions of use here: Terms and conditions/Business banking fees, Terms and conditions/Loans and Finance and Terms and conditions/Business Accounts.

Business overdrafts: If you are applying for a Business overdraft you can read all the applicable terms and conditions regarding fees, charges and conditions of use here: Terms and conditions/Business banking fees, Terms and conditions/Loans and Finance and Terms and conditions/Business Accounts.

Business credit cards: If you are applying for a Business credit card you can read all the applicable terms and conditions regarding fees, charges and conditions of use here: Terms and conditions/Business banking fees and Terms and conditions/Business credit cards.

It should take no more than two business days before we can provide full approval. There may be instances where we need extra information from you, which could extend this timeframe. For multi-director companies and partnerships, an individual credit check will need to be completed for each director/partner prior to ANZ commencing the full approval process. 

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In addition to the total borrowing limits, during the time where your business has been operating under the same registered ABN/ACN for less than 12 months, or has between 6 and 12 months of continuous reconciled financial data in AUD, you are eligible for only one successful application via GoBiz, and the following application-based limits apply:

  • $50,000 for all ANZ business credit cards
  • $50,000 for all your ANZ business overdrafts
  • $200,000 for all other ANZ business lending products
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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.

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