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Flexible cash flow solutions

Managing cash flow can be a rollercoaster. Get the low down on getting on top of cash flow, and find a flexible solution to suit your business needs.

Ready to have a chat about your cash flow needs?

Bank on our cash flow solutions, so you can focus on what matters the most - running your business.


Business overdrafts

Manage your cash flow needs and seasonal expenses with our flexible line of credit to iron out the ups and downs of business.

  • Only pay interest on the amount used
  • Choice of secured or unsecured finance
  • Easy access with a transaction account
  • No minimum or maximum term

Request a call back

See business overdrafts



Vehicle and equipment finance

Give your business the tools it needs with our range of vehicle and equipment finance options.                                 

  • Repayments tailored to suit your cash flow
  • $0 Deposit for approved customers
  • Range of options to suit your business needs
  • Potential tax benefits may be available

Request a call back

See vehicle and equipment finance



Business credit cards

Grow your business potential with our business credit cards. Choose from a range of benefits - from rewards to interest-free days.disclaimer

  • Credit facility to free up cash
  • Continuous monitoring for suspicious activity
  • Monthly statements summarising all transactions
  • Contactless payments with ANZ Visa payWave®

Compare business credit cards

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Looking for rates?

We could help make your business plans happen with our negotiable ratesdisclaimer.
Let's have a chat about how we can help. 

Use cash flow as your secret weapon

Need extra cash to keep things moving?

Don't let delayed payments or long lead times impact your cash flow. Having an overdraft could help cover your shortfall and let you do business your way.

Plan to buy or lease the latest vehicle or equipment?

See if we can help you get your hands on the best model to grow your business without tying up your cash flow.

Need to free up cash in your business?

ANZ Business credit cards are designed just for that. Whether you're starting a business or managing one, we can help you find a card that suits your business needs.

Small Business Bank of the Year 2018 and 2019

We’re proud to be named Canstar’s Small Business Bank of the Year for two years running, in recognition of our strong combination of products and other business-related banking services.

Perks of banking with ANZ

Dedicated team

Our team will help tailor a cash flow solution for your business and guide you from the start of the process until funds hit your account.


Borrow anywhere from $1,000 with flexible payment options to suit your business needs.

Banking on your terms

Connect with our business bankers in a way that suits you - either call us now or request a call back for later.

And a smooth banking experience

Have a chat

Connect with an expert business banker to discuss your needs.

Find your fit

Get a quick review of your business to find a product suitable to meet your business needs.

Get paperwork sorted

Discuss the documents you may need for approval and get things sorted.

So, still got questions about cash flow?

Running a business smoothly means managing cash flow effectively. Cash flow simply means a change in your business cash balance (cash balance being the closing balance in your business for a given period of time). Cash flow lets you understand and assess cash that comes into your business and flows out in a period of time.

Positive cash flow means that at a given time period there's more money going into your business than what's coming out. Imagine there's $20,000 in your business account at the start of a month. If your account ends with $30,000 for the same month, your cash flow is positive $10,000.

Negative cash flow, on the other hand, is the reverse - when there's more money coming out of your account than what's going in for a given time period.

Cash flow forecasting can help in protecting your business before any cash emergency happens. There are many ways in which you could do a cash flow plan. Download and use our handy cash flow forecast template to effectively manage, improve and feel in control of your cash flow.

A cash flow statement can help you see all the cash inflows and outflows for your business over a period of time. A cash flow statement can let you reconcile your business balance sheet with your income statement.

As a small business owner, it's imperative to be on top of your cash flow. Follow these golden rules for good cash flow management:

  • Make smart spending decisions and stick to your business budget.
  • Always keep your accounting information up to date.
  • Keep a close eye on your accounts receivable turnover, so you can act when it's trending up.
  • Maintain a cash reserve to cover unexpected costs when they occur.

You can also download our cash flow improvements checklist to draw up your cash flow action plan.

While both business overdrafts and loans involve borrowing money, they’re set up differently to meet different needs. A business loan is a long-term liability and can suit capital purchases like property or system upgrades. See more about business loans. Overdrafts, on the other hand, are flexible short-term cash flow solutions that can help with the ups and downs of business like paying an unexpected bill.

Yes, you do. But don't worry as you can open one when you apply for a business overdraft. You can then use your transaction account to access money via ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, the ANZ app and our branches.

Check out our options that can keep your business running by paying your staff on time every time.

We have a range of payment options to help you find the best solution and balance choice and convenience for your customers.

Get in touch

1800 519 750

Mon-Fri 8.30am to 8pm (AEST)


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.

Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Commercial Card Terms and Conditions (PDF 1.5 MB).

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All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions available on application. Fees and charges apply.

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