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Unsecured business loans with ANZ GoBiz

Simple. Easy. Flexible. Apply online for unsecured business loans up to $500k and borrow based on the strength of your business without putting up assets as collateral.

No upfront or admin fees

No application paperwork or need to visit a branch

Encrypted, one-time connection to your accounting software

Get conditional approval in 20 minutes, if eligible

Funds can be in your account in two business 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 in just 20 minutes

Why choose an unsecured business loan?

Borrow $10,000 to $500,000

Choose your amount and get quick access to the funds you need to grow your business.

Time to pay Icon

Take up to 7 years to repay

Borrow for up to seven years with a variable rate, or up to three years with a fixed rate.

No need to use assets as security

Avoid the need to use assets like your property as security. Guarantees from your directors is enough.

Choose between fixed or variable rate

Enjoy no additional cost for early repayments with a variable rate, or the repayment certainty of a fixed rate.

Unsecured business loan interest rates


Variable interest rate

Fixed interest rate


Rates and Fees

Upfront fee


Admin fee

$0 p.a.

What is an unsecured business loan with ANZ GoBiz?

A business loan with no assets for securitydisclaimer

Borrow based on the strength of your business without needing to put up assets like property or vehicles as collateral. Unsecured business loans have an agreed lending term and you'll need to make scheduled repayments.

Here's how it works:

  • Securely connect your accounting software to ANZ GoBiz
  • We assess your business’ balance sheet and financials
  • Get a quick answer online with less paperwork


Benefits of an unsecured business loan

Unsecured business lending icon

Unsecured business lending

You won’t need to provide an asset like property to secure your loan. Guarantees from your directors is enough.

Fast application without paperwork

Connect your accounting software to share your business financials and say goodbye to paper applications and supporting documents.

Conditional approval in minutes

Where eligible, get conditional approval in minutes and full approval within two business days when you apply through ANZ GoBiz.disclaimer

Funds in days

Once approved, you can access your funds in under two business days of returning the signed contracts.

Flexibility over repayments

You have the option of interest-only repayments for up to two years with a seven-year variable loan. And you can choose between weekly or monthly repayments.



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

Apply through ANZ GoBiz now

Apply online

Apply online now

It's quick and easy to apply through ANZ GoBiz. The online application will guide you through the process.

Not eligible? We can still help!

Book a call back

If you can't use ANZ GoBiz or just want to talk through your options, our expert business bankers are standing by to assist. Just leave your details and we’ll call you back within 1-2 business days.

Your questions answered

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.

If eligible, you can apply online for an unsecured loan via ANZ GoBiz in just 20 minutes.

Not eligible or can't use GoBiz? Book a call back with one of our expert business bankers.

A secured loan is borrowed against an asset like property or a vehicle whereas an unsecured loan isn’t. Your business can often obtain a lower interest rate with secured lending as opposed to unsecured lending by using assets owned by the business or yourself as security.

Secured loans generally take longer to get as they involve a more detailed approval process while unsecured loans are generally quicker to process. Unsecured business loans are assessed by the lender based on the financial history of the business and the credit scores of its directors.

For unsecured business lending a personal guarantee may still be required from all company directors.

No, you won’t need to provide a deposit for an unsecured business loan.

The maximum you can borrow for an unsecured loan through ANZ GoBiz is $500,000. disclaimer The exact amount will depend on the financial history and trading duration of your business.

No, you don’t need to be a customer to apply for an unsecured business loan from ANZ.

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.

A personal guarantee is a type of secondary security for your business loan, meaning the directors providing the guarantee will be liable for the debt in case of default. Most lenders of business loans require personal guarantees from the business’ directors.

A variable rate business loan is designed to be flexible, meaning you won’t incur any additional costs by repaying the loan early. A fixed rate business loan, on the other hand, may incur early repayment costs if they are repaid early or refinanced. These early repayment costs can be high.

Once you've started your GoBiz application, you’ll see a calculator which you can use to see exactly what the repayments on your business loan will be. You can stop your application during the process without any obligation if you want to.

Generally speaking, secured loans are less risky for lenders because they are backed by a physical asset like property. This means unsecured loans have higher interest rates to help offset the higher level of risk.

Questions about ANZ GoBiz

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 covering at least 6 full calendar months and up to 12 months if the data is available prior to your application, including:

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.

At the end of the 20-minute online application, it’s possible that you’ll receive 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 or 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 or 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.

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 at least the previous 6 months and up to 12 months of your business ready.
  • 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.


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We're here to help

Call us

Want to discuss new or existing ANZ business banking or need help with general enquiries? 

Mon-Fri 8am to 6pm (AEST)

1800 351 663


Visit a branch

Locate and talk to a business banker near you.

Find your local business banker


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 (available on application) 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 conditionsFees and charges and eligibility criteria apply.

We recommend you obtain independent advice from an accountant or registered tax agent if you are considering whether these products are right for you.

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. 


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. 


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

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