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ANZ Business Loan

Secured or unsecured business term loan from $10,000 with terms of 1 to 30 years, for long-term needs and business growth.

Business LoansRefinance & Debt Consolidation
Source dated 25 Sept 2026
Amount
From $10K
Term
1 yr to 30 yrs
Rate
Rate available on application
Security
Varies
Enquire about this product

Product details

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

Loan amount
From $10K
Rate
Rate available on applicationVariable and fixed rate options (fixed for up to 10 years). A Market Rate option linked to BBSY is available where total ANZ business borrowings are over $1.5 million.
Term
1 yr to 30 yrs
Security
Varies
Structure
Term loan
Early repayment
Variable rate loans allow extra repayments.
Documents
Rapid refinance (business lending under $1.5 million): eligible customers with a good payment history need two documents, including 12 months of statements for the existing facility.
Guarantees
For an unsecured loan, a personal guarantee may be required from directors.
Restrictions
Business purposes only. The 30-year term needs total ANZ credit facilities under $5 million and acceptable residential or commercial property security. Interest-only for up to 10 years where total lending is under $5 million and the term is 20 years or more.
How to apply
Direct with the lender, or through us
Not published by ANZ
rate type, fees, repayment frequency, time trading, turnover, funding time
Suitable purposes
GrowthRefinance

About Business Loan

ANZ publishes these details for Business Loan: structure term loan; loan amount from $10K; term 1 yr to 30 yrs; security varies; documentation rapid refinance (business lending under $1.5 million): eligible customers with a good payment history need two documents, including 12 months of statements for the existing facility.; guarantees for an unsecured loan, a personal guarantee may be required from directors.. Not published by ANZ for this product: maximum LVR, time trading, turnover, 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: Structure is term loan here and chattel mortgage for Business Car Loan; loan amount is from $10K here and from $7.5K for Business Car Loan; term is 1 yr to 30 yrs here and 1 yr to 7 yrs for Business Car Loan; security is varies here and asset-backed for Business Car Loan.
  • Business Equipment Loan: Structure is term loan here and chattel mortgage for Business Equipment Loan; loan amount is from $10K here and from $7.5K for Business Equipment Loan; term is 1 yr to 30 yrs here and 1 yr to 7 yrs for Business Equipment Loan; security is varies here and asset-backed for Business Equipment Loan.
  • Business Overdraft: Structure is term loan here and overdraft for Business Overdraft; loan amount is from $10K here and from $2K for Business Overdraft; ANZ publishes term (1 yr to 30 yrs) for this product but not for Business Overdraft; ANZ publishes documentation (rapid refinance (business lending under $1.5 million): eligible customers with a good payment history need two documents, including 12 months of statements for the existing facility.) for this product but not for Business Overdraft.
  • Equipment or Car Lease: Structure is term loan here and lease for Equipment or Car Lease; loan amount is from $10K here and from $7.5K for Equipment or Car Lease; term is 1 yr to 30 yrs here and 1 yr to 7 yrs for Equipment or Car Lease; security is varies here and asset-backed for Equipment or Car Lease.

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More from ANZ

Business Car Loan

Chattel mortgage from $7,500 over 1 to 7 years for business cars, vans, utes, trucks, buses and trailers, secured by the vehicle.

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Asset-backed
Rates and other criteria
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Individual assessment
Repayments
Not published
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Source dated 1 Oct 2026
Details for ANZ Business Car Loan

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Secured or unsecured business overdraft from $2,000 with no set repayments, for trading and seasonal cash flow and working capital.

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From $2K
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Not published
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Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for ANZ Business Overdraft

Equipment or Car Lease

Lease from $7,500 over 1 to 7 years where ANZ buys the vehicle or equipment and leases it to your business, with options to return, re-lease or upgrade.

Amount
From $7.5K
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1 yr to 7 yrs
Security
Asset-backed
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for ANZ Equipment or Car Lease

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