Business loans
Find a business loan to suit your medium to long-term funding needs. Choose from fixed or floating interest rates, or a mix of both to balance flexibility and security.
Benefits
The important numbers
Loan types
Fixed-rate business loan
Budget with certainty – know exactly how much your repayments will be by fixing your rate for a set period.
An Early Repayment Recovery (sometimes called a break fee) may apply if you make changes during the fixed rate period. Other fees and charges may apply.
Floating-rate business loan
Make extra repayments whenever it suits you and pay off your loan whenever you like, without charge.
Your interest rate can go up or down with the market and you can switch to a fixed interest rate at any time. Other fees and charges may apply.
Structuring your loan payments
Table loan
Payments stay the same over the term of your loan. At the start of your loan, your payments will mostly cover interest — but you’ll pay back less interest and more principal as time goes on.
Straight-line loan
A set amount of principal is paid off with each repayment, with interest charged separately.
Your payments change if your interest rate changes.
Loan payments are higher to start with, then get lower as the interest you are charged decreases with each principal payment you make.
Interest-only loan
Your loan balance doesn’t reduce if you’re making interest-only repayments.
Because your repayments only cover the interest you’re charged, at the end of the agreed term the loan needs to be repaid in full or renegotiated.
Rates and fees
The main rates and fees that apply to our loans are on our rates, fees and agreements pages. Additional fees may apply to more complex arrangements.
If you’re an existing customer, see your loan or facility agreement for the terms and conditions, and rates and fees, that apply. You can also contact us on 0800 269 249.
Before you apply
It’s important to assess your business finance needs before applying. To help you assess if a business loan may be the right choice for your business plans, think about:
- The impact of taking on debt
- Your repayments
- How you might reduce costs to allow you to borrow less.
Good financial management makes it easier to get lending approved. We may also be able to offer a lower interest rate.
Secured loans
Various forms of security may be considered, such as the fixed assets of your business.
How to apply
From overseas: +64 9 523 7220
Related content
Related products
Important information
Depending on which of our business term loan products you are eligible for, additional fees may apply to our more complex arrangements. Please refer to your loan agreement or contact us on 0800 269 249 to determine what terms and conditions, and rates and fees, apply to you.
Eligibility, lending criteria, terms, conditions and fees apply. Details are subject to change.
Fees and interest rates are subject to change. Service charges may apply. For more details refer to our Business rates, fees and agreements page.
ANZ lending criteria and fees apply to ANZ Business Overdraft ANZ Business Home Loans and ANZ Business Flexible Facility.
Our financial advice provider statement (PDF 44.6KB) has some important information you should know about ANZ and our financial advice services. Please take the time to read it.