skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

More information about ANZ GoBiz

If you have a question about ANZ GoBiz or want to find out how it works, see below.

  Apply for a loan or overdraft in just 20 minutes

Required accounting software

To be eligible for a business loan or overdraft through ANZ GoBiz, you will need an active subscription to one of the following account software platforms, with at least 12 months of data available: 

Xero, Intuit Quickbooks and MYOB AccountRight logos

  • Xero
  • MYOB: to use ANZ GoBiz you’ll need to have your accounts reconciled and saved online in the cloud. If you don’t have an online file yet, check out MYOB’s instructions on how to get started online.
  • Intuit QuickBooks

What data am I sharing? 

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.


Reconciling your accounts

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:

How small businesses are using ANZ GoBiz

Octtava Wines hits a high note with an ANZ GoBiz loan

4-minute read

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.

Keep reading

Building a gem of a business with help from an ANZ GoBiz loan

4-minute read

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

Keep reading

Using your accounting software to get a faster business loan

4-minute read

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

Keep reading

Illustration for Loans and overdrafts


ANZ GoBiz not right for you?

If ANZ GoBiz is not suitable for you, please explore some of our other business lending solutions.


See Loans and OverdraftsSpeak to a business banker

Frequently asked questions

Business loans and overdrafts are both lending options but under different conditions and for different reasons. A business loan is a sum of money that is usually paid into your account as one complete payment. 

An overdraft provides you with an agreed lending limit. It gives you 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

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.

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.

ANZ GoBiz supports unsecured business lending. If your existing ANZ business lending is unsecured, you may be eligible to apply for additional unsecured lending via ANZ GoBiz up to a total limit of $200,000 (inclusive of your existing lending and your proposed lending).

If the existing lending you have with ANZ has security attached to it (like property, an asset or cash), you can speak to one of our business banking specialist about the best lending options for your needs.

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

We’ve also waived the annual loan administration charge for business loans acquired through ANZ GoBiz.

ANZ’s standard Credit Facility fees will apply to business overdrafts.

Other standard fees may apply (such as late payment fees). You can read more ANZ fees (PDF 162 kB).

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, like your credit card 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.

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

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.

Get in touch

Request a call back

Have us call you back to discuss your business needs

Leave your details


Call us

Mon-Fri 8.30am to 8pm (AEST)

1800 187 989


Visit a branch

Locate an ANZ branch and talk to a business banker near you.

Find your local business banker


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 104kB) before acquiring the product.

Terms and conditions:

Finance Conditions of Use - ANZ Business Banking for new facilities on and from 24 May 2021 (PDF 207kB), Finance Conditions of Use - ANZ Business Banking for existing facilities as at 24 May 2021 (PDF 174kB)Key Terms of your Business Lending – ANZ Business Banking (PDF 63kB)ANZ Business Overdraft Specific Conditions of Use - ANZ Business Banking (PDF 69KB)ANZ Term Loans Specific Conditions of Use - ANZ Business Banking (PDF 76kB)ANZ Business Transaction Accounts Terms and Conditions (PDF 474kB)

Fees and charges:

ANZ Business Banking Finance Fees and Charges for new facilities on and from 24 May 2021 (PDF 181kB), ANZ Business Banking Finance Fees and Charges for existing facilities as at 24 May 2021 (PDF 162kB)Business Banking Transaction Account Fees and Charges (PDF 148kB)Business Banking General Service Fees and Charges (PDF 131kB)

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


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.


Eligibility criteria and terms and conditions apply. Please refer to the ANZ Business Transaction Accounts Terms and Conditions (PDF 474kB).