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ANZ Business Overdraft

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

Working Capital Finance
Source dated 25 Sept 2026
Amount
From $2K
Term
Not published
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 $2K
Rate
Rate available on applicationThe overdraft interest rate is the ANZ Index Rate applicable to the facility plus a margin.
Security
Varies
Structure
Overdraft
Fees
Credit facility fee of $250 p.a. for limits of $9,999 or less · Credit facility fee of $400 p.a. for limits of $10,000 to $19,999 · Credit facility fee of $600 p.a. for limits of $20,000 to $49,999 · Credit facility fee of 1.7% of the facility limit p.a. for limits of $50,000 to $499,999
Early repayment
No fixed or set repayments are required.
Guarantees
An individual or director's guarantee may be required for an unsecured overdraft.
Restrictions
Business purposes only. No minimum or maximum term, though an expiry may be elected. Property security must meet ANZ requirements; residential property security excludes property development or speculative residential construction.
How to apply
Direct with the lender, or through us
Not published by ANZ
rate type, term, repayment frequency, time trading, turnover, documents, funding time
Suitable purposes
Cash flowStock

About Business Overdraft

ANZ publishes these details for Business Overdraft: structure overdraft; loan amount from $2K; security varies; guarantees an individual or director's guarantee may be required for an unsecured overdraft.; suitable purposes cash flow, Stock. Not published by ANZ for this product: term, 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: Structure is overdraft here and chattel mortgage for Business Car Loan; loan amount is from $2K here and from $7.5K for Business Car Loan; term is published for Business Car Loan (1 yr to 7 yrs) but not for this product; security is varies here and asset-backed for Business Car Loan.
  • Business Equipment Loan: Structure is overdraft here and chattel mortgage for Business Equipment Loan; loan amount is from $2K here and from $7.5K for Business Equipment Loan; term is published for Business Equipment Loan (1 yr to 7 yrs) but not for this product; security is varies here and asset-backed for Business Equipment Loan.
  • Business Loan: Structure is overdraft here and term loan for Business Loan; loan amount is from $2K here and from $10K for Business Loan; term is published for Business Loan (1 yr to 30 yrs) but not for this product; documentation is published for Business Loan (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.) but not for this product.
  • Equipment or Car Lease: Structure is overdraft here and lease for Equipment or Car Lease; loan amount is from $2K here and from $7.5K for Equipment or Car Lease; term is published for Equipment or Car Lease (1 yr to 7 yrs) but not for this product; security is varies here and asset-backed for Equipment or Car Lease.

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