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ANZ Business Equipment Loan

Chattel mortgage from $7,500 over 1 to 7 years for business equipment, from office equipment to agricultural machinery, secured by the equipment.

Equipment & Asset FinanceGreen & Sustainable Finance
Source dated 1 Oct 2026
Amount
From $7.5K
Term
1 yr to 7 yrs
Rate
Individual assessment
Security
Asset-backed
Enquire about this product

Product details

As published by ANZ. Details not published by the lender are marked.

Loan amount
From $7.5K
Rate
Individual assessmentPricing is tailored and shown in a quote. Eligible energy efficient assets get a 0.80% p.a. discount on the standard asset finance rate.
Term
1 yr to 7 yrs
Security
Asset-backed
Structure
Chattel mortgage
Fees
Establishment fee (chattel mortgage) minimum $375, rising to minimum $575 from 30 November 2026
Early repayment
Early repayment fees and charges, which may be significant, may apply.
Guarantees
Personal guarantees may be required from company directors.
Green programme borrower
Eligible small and medium businesses
Eligible green assets or projects
ANZ-approved solar, renewable energy and energy-saving equipment
Green discount
Eligible assets may receive a 0.80% p.a. discount off the applicable asset finance rate; this is not the actual loan rate.
Restrictions
Asset must be used mostly for business. Optional balloon payment. Equipment must be insured, noting ANZ as mortgagee. Applications are made through a business banking specialist.
How to apply
Direct with the lender, or through us
Not published by ANZ
rate type, repayment frequency, time trading, turnover, documents, funding time
Suitable purposes
EquipmentSustainable investment
Green uses
Solar & renewable energyGreen vehicles & equipmentEnergy-efficient equipment

About Business Equipment Loan

ANZ publishes these details for Business Equipment Loan: structure chattel mortgage; loan amount from $7.5K; term 1 yr to 7 yrs; security asset-backed; guarantees personal guarantees may be required from company directors.; suitable purposes equipment, Sustainable investment. Not published by ANZ for this product: maximum LVR, time trading, turnover, documentation, funding time. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other ANZ products

  • Business Car Loan: Documentation is published for Business Car Loan (online applications use existing ANZ account data or a one-time connection to Xero, MYOB or Intuit QuickBooks, with at least 6 months of reconciled data.) but not for this product; suitable purposes is equipment, Sustainable investment here and vehicle, Sustainable investment for Business Car Loan.
  • Business Loan: Structure is chattel mortgage here and term loan for Business Loan; loan amount is from $7.5K here and from $10K for Business Loan; term is 1 yr to 7 yrs here and 1 yr to 30 yrs for Business Loan; security is asset-backed here and varies for Business Loan.
  • Business Overdraft: Structure is chattel mortgage here and overdraft for Business Overdraft; loan amount is from $7.5K here and from $2K for Business Overdraft; ANZ publishes term (1 yr to 7 yrs) for this product but not for Business Overdraft; security is asset-backed here and varies for Business Overdraft.
  • Equipment or Car Lease: Structure is chattel mortgage here and lease for Equipment or Car Lease; suitable purposes is equipment, Sustainable investment here and equipment, Vehicle for Equipment or Car Lease.

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