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ANZ GoBiz
Easy, online business loans
Use your Xero accounting data to apply online in 20 minutes for finance up to $500,000 and get conditional approval in minutes, where eligible. Yep, it's that quick!
Check the key eligibility
- Use Xero and have at least 6 months of reconciled business financial data and the default currency set as AUD
- Has been GST registered if annual turnover is more than $75k and operates under a registered ABN/ACN.
- A sole trader, or a company, a trust with a corporate trustee, or a partnership with up to five directors/partners established in Australia
- You are the key financial decision maker for your business, an Australian citizen or permanent resident and aged 18+
Features and benefits
Unsecured business lending
You won’t need to provide an asset like property to secure your loan. Company directors will, however, need to provide a personal guarantee.
Fast online application without the paperwork
Connect your Xero account 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.disclaimer
Funds in days
Once approved, access your funds in under two business days of returning the signed contracts.
Business lending solutions
Whether you're investing in your business or you need to manage cash flow ups and downs, ANZ and Xero have got you covered with loans up to $500,000 and overdrafts up to $300,000 available.
An easy, step-by step application will help you select the right product for your needs.
Find out more about the finance options available, including rates and fees and lending terms.
How ANZ GoBiz works
There are only a few easy steps for you to complete - we do the rest.
1. Get started online
Tell us about your business and how much you want to borrow.
2. Share your business financials via a one-time connection to your Xero account
Once you log in and provide consent, ANZ will securely consume and analyse your business’ financial data for the previous 6 months and up to 12 months if available, including: profit and loss, balance sheet, historical transactions and supporting information.
3. Confirm your lending amount and submit your application
At this point we'll collect your consent and the consent of any other directors/partners to complete a credit check.
4. Get conditional approval in minutes where eligible
Full approval within two business days.disclaimer
5. Receive funds in your account
After you sign and return your contracts, you will receive funds within two business days.
Ready to get started?
Details to have ready
Make sure that your financials are current and that recent transactions have been reconciled before beginning your application.
To complete your application you will need the following information:
- Your business' ABN/ACN
- Your accounting software login details
- Personal and business information for yourself, other directors, partners, non-director shareholders and senior managing officials of your company/partnership such as: their date of birth, email, phone number, residential and mailing addresses, citizenship, driver licence and ABN/ACN of any shareholding entities.
- Tax number (if you're an overseas citizen or resident)
- Trust deeds (if your business trades as a trust or has shareholding trusts)
About Xero
Xero is world-leading online accounting software built for small business.
- Get a real-time view of your cash flow. Log in anytime, anywhere on your Mac, PC, tablet or phone to get a real-time view of your cash flow. It’s small business accounting software that’s simple, smart and occasionally magical.
- Run your business on the go. Use our mobile app to reconcile, send invoices, or create expense claims - from anywhere.
- Get paid faster with online invoicing. Send online invoices to your customers - and get updated when they’re opened.
- Reconcile in seconds. Xero imports and categorises your latest bank transactions. Just click ok to reconcile.
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.
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
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, an individual credit check will need to be completed for each director prior to ANZ commencing the full approval process.
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