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ANZ GoBiz

Easily apply online for a business loan or a business overdraft through a one-time connection to your accounting software. Apply for unsecured business finance and, if eligible, get conditional approval in minutes.

To get started:

  Apply for a loan or overdraft in just 20 minutes

ANZ GoBiz lending solutions

ANZ GoBiz features unsecured lending solutions to help businesses grow and manage their cash flow. The online application will help you select a suitable option to meet the needs of your business.

Unsecured Business Loan

Business loans have an agreed lending term and can suit small and large capital purchases. With a loan you'll need to make scheduled repayments.

Rates

$10,000-$500,000

Variable

Fixed   

Loan amount Interest rate


Term: Borrow money for up to seven years with a variable rate, or up to three years with a fixed rate. Looking to borrow money over more than seven years? Talk to a business banking specialist about other ANZ offers.

Repayments: Weekly or monthly repayment options*

Fees: No upfront fee. Admin charge of up to $750 annually

The benefits

  • Great for growing your business
  • Flexible repayment options with a variable rate loan and no additional cost for early repayments
  • The certainty of fixed repayments with a fixed rate loan
  • If you don't have a linked ANZ business transaction account, we'll open a transaction account for you with a low monthly account service fee of only $10 per month.

* Weekly or monthly repayments with a variable rate, plus the option of interest-only repayments for two years when you select a seven year loan term. Monthly repayments on a fixed rate.

Unsecured Business Overdraft

Get the flexibility to easily draw money as you need it, up to your agreed limit, to manage cash flow cycles and keep your business moving.

Rates

$2,000-$300,000

  

Overdraft limit Variable interest rate 


Term: No minimum or maximum term

Repayments: No repayment deadline

Fees: No upfront fee. Tiered annual fee based on your overdraft limit starting from $250 p.a.

The benefits

  • Great for meeting day-to-day expenses
  • Helps you manage interim cash flow needs
  • Only pay interest on the money you use
  • If you don't have a linked ANZ business transaction account, we'll open a transaction account for you with a low monthly account service fee of only $10 per month.

What does 'unsecured' mean?

An unsecured loandisclaimermeans you won’t need to provide any assets (such as a property) to secure your loan. However, directors of the company will need to provide a personal guarantee. Learn more about unsecured loans.

Eligibility criteria

Supported accounting software

Supported accounting software
To apply for a business loan or overdraft through ANZ GoBiz, you will need an active subscription to Xero, MYOB or Intuit QuickBooks. Xero, Intuit Quickbooks and MYOB AccountRight logos

 

As part of the ANZ GoBiz application, we will ask you to make a one-time only connection to your accounting software. Before analysing your business's financial data for the previous 12 months, we will ask for your consent.

Once we have obtained this, we will securely access and assess information that will support your application, including:

  • profit and loss
  • balance sheetdisclaimer
  • historical transactions and supporting information

Following the assessment, we’ll immediately confirm your borrowing capacity. In some instances we may offer you a lower borrowing limit than the amount you applied for.

This data may also be used to identify ways we can support your business in the future. All information you share will also be used in line with our Privacy Policy.

You’ll need to ensure that your financials are up-to-date and recent transactions are reconciled.  

If you need support to reconcile your accounts, please visit:

Check the key eligibility

  • Use an accounting subscription to either Xero, MYOB or Intuit Quickbooks and have at least 12 months of reconciled business financial data and the default currency set as AUD
  • Annual turnover of at least $75k, GST registered for 6+ months and operated under your current registered ABN/ACN for 12+ months
  • A sole trader or a company with up to five directors established in Australia
  • You are the key financial decision maker for your business, an Australian citizen or permanent resident and aged 18+

ANZ GoBiz is NOT suitable if your business: 

  • is a franchised business
  • had a company director join or leave in the last 6 months
  • sold 25% or more of the company's shares to a new shareholder in the last 6 months

Total borrowing limits when applying for lending:

  • $300,000 for all your ANZ business overdrafts
  • $500,000 for all business lending products applied for via ANZ GoBiz
  • $1,000,000 for all your ANZ business lending products

What if I’m ineligible?

Even though you might not be eligible to apply for lending via ANZ GoBiz, there may be other lending options for you. Check out our other Business Loans and Overdrafts or speak to a business banking specialist on 1800 801 485.

Ready to get started with ANZ GoBiz?

 

Keep these details handy

Before you get started with ANZ GoBiz please ensure that your financials are up-to-date and recent transactions are reconciled.

You will also need to have the following documents ready:

  • Your ABN/ACN
  • You'll need to login once to your accounting software, so ensure you have those login details on hand
  • Tax number (if you're an overseas citizen or resident)
  • Australian driver licence (optional)
  • Personal and business information for yourself, other directors, non-director shareholders and senior managing officials of your company such as their date of birth, email, phone number, residential and mailing addresses, citizenship, driver licence and ABN/ACN of any shareholding entities.

Begin application

Complete the simple online application and get going with ANZ GoBiz.

Apply online

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Have a question?

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.

To establish your financial eligibility, we’ll need to make a one-time only connection to your accounting software subscription. You’ll need to ensure that your financials are up-to-date and recent transactions are reconciled.

Once you log into your accounting software subscription and provide consent, ANZ will securely access and analyse your business’s financial data for the 12 full calendar months prior to your application, including:

  • profit and loss
  • balance sheetdisclaimer
  • historical transactions and supporting information

We may also use this information to identify ways we can help your business in the future and discuss these with you. All information you share will also be used in line with our Privacy Policy.

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

Other standard fees may apply (such as late payment fees). You can read more at ANZ fees.

Early repayment fees and costs may be incurred if, during the fixed rate period the loan is partly or fully repaid or refinanced. Please be aware that early repayment fees and costs can be high.

To access your funds, you’ll need a linked ANZ business transaction account. If you don't already have one, we will open an ANZ Business Advantage account for you. This low-cost transaction account gives you easy access to your money via ANZ Internet Banking, ATMs and branches.

Benefits of an ANZ Business Advantage account:

  • Unlimited ANZ transactions per monthdisclaimer
  • ANZ Business Visa Debit cardsdisclaimerand ANZ Internet Banking available
  • Daily payment limits of up to $50,000 (with ANZ Shield)
  • $10 monthly account servicing fee

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 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, you’ll need to provide contact details for each director so that we can contact them and get their digital consent to conduct an individual credit check.

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 other company directors, 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 loans can be useful when you don’t want to tie your lending to your assets or if your assets are linked to other lending or contracts.

Financial providers tend to take an individual guarantee and indemnity from the director/s 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 director/s can be held responsible.

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

ANZ GoBiz supports unsecured business lending.

Total borrowing limits when applying for lending:

  • $300,000 for all your ANZ business overdrafts
  • $500,000 for all business lending products applied for via ANZ GoBiz
  • $1,000,000 for all your ANZ business lending products

You can still complete the application yourself if your accounts are managed by your accountant. During the application we will ask you to review the financial information we have collected about your business verify that it is accurate. 

To apply all you need is:

  • Your ABN/ACN
  • Your accounting software login details as you'll need to login once to your accounts
  • Tax number (if you're an overseas citizen or resident) 
  • Details of any existing business lending that you have, including overdrafts, loans credit cards and/or asset finance
  • Personal and business information for other directors of your company

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

• Finance Conditions of Use - ANZ Business Banking

• Key Terms of your Business Lending – ANZ Business Banking

• ANZ Term Loans Specific Conditions of Use - ANZ Business Banking

• ANZ Business Banking Finance Fees and Charges

• ANZ Business Transaction Accounts Terms and Conditions

• Business Banking Transaction Account Fees and Charges

• Business Banking General Service Fees and Charges

Business overdrafts

• Finance Conditions of Use - ANZ Business Banking

• Key Terms of your Business Lending – ANZ Business Banking

• ANZ Business Overdraft Specific Conditions of Use - ANZ Business Banking

• ANZ Business Banking Finance Fees and Charges

• ANZ Business Transaction Accounts Terms and Conditions

• Business Banking Transaction Account Fees and Charges

• Business Banking General Service Fees and Charges

 

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).

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For MYOB users balance sheet data is consumed from subscription commencement.

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Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Business Visa Debit and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account. Additional fees and charges apply to certain services, such as periodical payments, overseas ATM fees and international transactions.

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Eligibility criteria and terms and conditions apply. Please refer to the ANZ Business Transaction Accounts Terms and Conditions.

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