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Business lending

Need business funding? We’ve got a range of business loans and other funding options to help you start, grow or buy a business.

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Business overdrafts

Get flexible credit for your daily cash flow needs with an overdraft linked to your business banking account. You'll only pay interest if and when your balance dips below $0.

ANZ Business overdraft

Business loans

Find a loan to suit your business’ medium or long-term finance needs. Choose fixed or floating interest rates, or a mix of both to balance flexibility and security.

Business loans

Business home loan

If you want to borrow for business purposes, an ANZ Business home loan is available as a floating or fixed interest rate loan. You’ll use your home or other residential property as security. 

ANZ Business Home Loan

Business Flexible Facility

Borrow, repay and reborrow money as and when you need it, up to an agreed limit. It’s more flexible than a term loan and may be cheaper than an overdraft.

ANZ Business Flexible Facility

Finance for agribusiness

We lend more money to New Zealand farmers than any other bank, so whatever your aspirations, talk to us. We can tailor a solution for your specific finance needs.

Finance for agricultural businesses

ANZ Business Green Loan

If your project will have a positive impact on the environment, our green loan and its special interest rate may suit you.

ANZ Business Green Loan

Apply online using ANZ goBiz

If you use MYOB or Xero, you can apply online for:

  • Business loans 
  • Overdrafts and flexible facilities. 

Save yourself time – our goBiz tool seamlessly pulls your financial details into your application form.

Apply now using goBizMore about goBiz

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Offers on digital business tools

Try out innovative digital tools that make running a business easier with these exclusive offers on accounting, payroll or expense reporting software.

Offers on third-party digital tools

Financing your business

Funding types including loans, asset finance and seeking investors. Here’s how to choose what works for your business, whether your goal is to grow, buy equipment, or purchase new premises.

Financing your business

How to manage your cash flow

Cash flow is the lifeblood of any business. We cover what cash flow is, why you need to manage it, how to tell if you’re at risk, and some tips to keep more cash flowing into your business.

How to manage your cash flow

Important information

Terms, conditions, fees and eligibility criteria may apply.

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.