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Easy, online business loans

Use your Xero accounting data to apply online in 20 minutes for finance up to $200,000 and get conditional approval in minutes, where eligible. Yep, it's that quick!

Find out more

Try Xero for Free

What do I need to be eligible?

  • Sole trader or company with up to 5 directors 
  • Active use of your Xero subscription (with the default currency set as AUD) for 12 months or more
  • Have had an ABN or ACN for 12 months or more
  • Registered for GST for 12 months or more
  • Annual turnover of $75,000 or more

View full eligibility criteria

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 $200,000 and overdrafts up to $100,000 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 12 months, 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 check your consent and the consent of any company directors 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?

Keep these details handy:

  • Your ABN/ACN
  • You'll need to login once to your Xero account, so ensure you have those login details on hand
  • Tax number (if you're an overseas citizen or resident)
  • Australian driver licence (optional)
  • Details of any existing business lending that you have, including overdrafts, loans credit cards and/or asset finance
  • Personal and business information for yourself and other directors of your company such as their date of birth, email, phone number, residential & mailing addresses and citizenship

Find out more

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 of 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.

Try Xero for Free

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)

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 overseas ATM fees and international transactions.


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.