ANZ Business Loan

You can choose between loan types, interest and repayment options. The loan comes with approval and administration charges.

With ANZ’s business loan, you can borrow from $10,000 up to $10,000,000. You can choose between an unsecured or secured loan. With a secured business loan, you could get a lower interest rate. You can also choose between three types of interest rates, depending on which, your loan terms will vary. There are also several repayment options, including repaying the principal and interest, or paying interest only and a lump sum balloon payment at the end of the loan term. The loan comes with various fees and charges. Loan approval fees, loan administration charge and forward start-fees can vary, making it harder to calculate the cost of the loan before application.

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Upfront Fee


Max. Loan Amount

Up to 15 years

Loan Term

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Product NameANZ Secured Business Loan
Min. Loan Amount$10,000
Max. Loan Amount$10,000,000
Loan SecuritySecured
Upfront Fee$600
Loan TermUp to 15 years

How does the ANZ Business Loan work?

Your business can apply for a minimum of $10,000. The loan terms are dependent on whether or not you want a fixed or variable rate loan.

The fixed rate loan terms are a maximum of 10 years and the variable rate loan terms are up to 15 year(s). Once you've applied for the loan and been approved for the amount you've applied for, the funds will be in your account within the terms specified by the ANZ small business specialist.

Features of the ANZ Business Loan

Some of the features of this loan include:

  • Unsecured or secured loan terms. There is the option to choose between a secured or unsecured loan term. The secured option requires that you put an asset against the loan, which brings benefits such as a lower interest rate.
  • Variable or fixed interest rate terms. There are three different interest rate types to choose from: a variable rate with a loan term of up to 15 year(s), a fixed rate with interest in arrears (due at the end of the loan period) with a loan period of up to 10 years, and a fixed rate with interest in advance and a loan period of up to 5 years.
  • Varied repayment options. You can choose between repaying the principal and interest or paying interest only and a lump sum balloon payment of up to 80% of the loan amount at the end of the loan term.
  • Varied repayment terms. There are varied loan repayment terms depending on which loan you choose. With the variable rate loan you can repay the loan weekly, fortnightly, monthly, quarterly, half-yearly, yearly or seasonally. With the fixed rate loan you can repay the loan in monthly, quarterly, half-yearly or yearly installments.
  • Large minimum amount. The minimum amount for this loan is $10,000.

How much does the loan cost?

With this loan the following fees apply:

  • Loan approval fee which is subject to negotiation and detailed in your letter of offer
  • A loan administration charge that varies depending on how much you want to borrow
  • A renegotiation fee of $600
  • A forward start fee that is dependant on how much you borrow
  • An early repayment fee of $300
  • A $600 locked rate fee plus a percentage of the loan (available on application) if you decide to go with the fixed rate option

How to apply for the ANZ Business Loan

You can apply for this business loan through an online enquiry, over the phone or meet with a small business specialist at your local ANZ branch. However, there are some eligibility requirements to be aware of before applying:

  • You must be over the age of 18
  • You must have a registered ABN or ACN
  • You must not have applied for bankruptcy before applying for this loan
  • Your small business specialist can help you with these and any other queries before applying.

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