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ANZ GoBiz Unsecured Business Overdraft

Unsecured business overdraft from $2,000 to $200,000, applied for online through ANZ GoBiz, for short-term cash flow and working capital.

From lender's website, 25 Sept 2026
Amount
$2K to $200K
Term
Not published
Rate
16.20% p.a. variable
Security
Unsecured

Product details

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

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Amount
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Term
Not published
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Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for ANZ Business Overdraft

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