As published by ANZ. Details not published by the lender are marked.
- Loan amount
- From $10K
- Rate
- 12.74% p.a.Variable interest rate 12.74% p.a. and fixed interest rate 12.74% p.a., current as at Friday, 15 May 2026. Variable rate for up to 7 years or fixed rate for up to 3 years.
- Term
- Up to 7 yrs
- Security
- Unsecured
- Structure
- Term loan
- Fees
- Upfront fee of $0 · Admin fee of $0 p.a.
- Repayment frequency
- Weekly, Monthly
- Early repayment
- No additional cost to repay a variable rate loan early; fixed rate loans may incur early repayment costs.
- Time trading
- 6+ months trading under the current ABN/ACN
- Documents
- One-time connection to Xero, MYOB or Intuit QuickBooks, or existing ANZ account data, with at least 6 months of reconciled financial data. No application paperwork.
- Guarantees
- A personal guarantee may be required from directors. Loans of $200,000 to $500,000 may need a General Security Agreement.
- Funding time
- Conditional approval in 20 minutes or less if eligible; funds within two business days of returning signed documents.
- Restrictions
- Annual turnover up to $75 million. Must use Xero, MYOB or Intuit QuickBooks. Not available to franchises. Total lending via GoBiz up to $500,000 and total ANZ business lending under $1.5 million. Interest-only for up to two years on a seven-year variable loan. An ANZ business transaction account is required. Not available to businesses predominantly trading as an agricultural business.
- How to apply
- Direct with the lender, or through us
- Not published by ANZ
- rate type, turnover
- Suitable purposes
- Growth
About GoBiz Unsecured Business Loan
ANZ publishes these details for GoBiz Unsecured Business Loan: structure term loan; loan amount from $10K; term up to 7 yrs; security unsecured; time trading 6+ months trading under the current ABN/ACN; documentation one-time connection to Xero, MYOB or Intuit QuickBooks, or existing ANZ account data, with at least 6 months of reconciled financial data. No application paperwork.. Not published by ANZ for this product: maximum LVR, turnover. 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 up to 7 yrs here and 1 yr to 7 yrs for Business Car Loan; security is unsecured 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 up to 7 yrs here and 1 yr to 7 yrs for Business Equipment Loan; security is unsecured here and asset-backed for Business Equipment Loan.
- Business Loan: Term is up to 7 yrs here and 1 yr to 30 yrs for Business Loan; security is unsecured here and varies for Business Loan; ANZ publishes time trading (6+ months trading under the current ABN/ACN) for this product but not for Business Loan; documentation is one-time connection to Xero, MYOB or Intuit QuickBooks, or existing ANZ account data, with at least 6 months of reconciled financial data. No application paperwork. here and 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 Business 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 (up to 7 yrs) for this product but not for Business Overdraft; security is unsecured here and varies for Business Overdraft.
