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
- 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
- Early repayment
- No set repayments; repay the balance as funds become available.
- 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. 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
- Not published by ANZ
- term, repayment frequency, turnover
- Suitable purposes
- Cash flowStock
About GoBiz Unsecured Business Overdraft
ANZ publishes these details for GoBiz Unsecured Business Overdraft: structure overdraft; loan amount $2K to $200K; 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.; funding time conditional approval in minutes if eligible and full approval within two business days; funds within two business days of returning signed contracts.. Not published by ANZ for this product: term, 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 overdraft here and chattel mortgage for Business Car Loan; loan amount is $2K to $200K 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 unsecured 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 $2K to $200K 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 unsecured here and asset-backed for Business Equipment Loan.
- Business Loan: Structure is overdraft here and term loan for Business Loan; loan amount is $2K to $200K here and from $10K for Business Loan; term is published for Business Loan (1 yr to 30 yrs) but not for this product; security is unsecured here and varies for Business Loan.
- Business Overdraft: Loan amount is $2K to $200K here and from $2K for Business Overdraft; security is unsecured here and varies for Business Overdraft; ANZ publishes time trading (6+ months trading under the current ABN/ACN) for this product but not for Business Overdraft; ANZ publishes 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.) for this product but not for Business Overdraft.
