As published by ANZ. Details not published by the lender are marked.
- Loan amount
- $2K to $200K
- Rate
- 16.20% p.a. variableVariable rate current as at Friday, 15 May 2026.
- Rate type
- Variable
- Term
- Not published
- Security
- Unsecured
- Structure
- Overdraft
- Fees
- Upfront fee of $0 · 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% p.a. of the facility limit for limits of $50,000 or more
- Repayment frequency
- Not published
- Early repayment
- No set repayments; repay the balance as funds become available.
- Time trading
- 6+ months trading under the current ABN/ACN
- Turnover
- Not published
- 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. Overdrafts of $200,000 to $300,000 may need a General Security Agreement.
- Funding time
- Conditional approval in minutes if eligible and full approval within two business days; funds within two business days of returning signed contracts.
- Restrictions
- Annual turnover up to $75 million. Must use Xero, MYOB or Intuit QuickBooks. Not available to franchises or businesses predominantly trading as an agricultural business. Total ANZ business overdrafts up to $300,000. ANZ opens an ANZ Business Extra account for the overdraft.
- How to apply
- Direct with the lender, or through us
- Suitable purposes
- Cash flowStock