ANZ

The ANZ website contains the following categories:

The Business category contains the following sections:

Capital Funding
Contact a local ANZ Manager ANZ Structured Rural Finance

Customising Finance Solutions to Individual Requirements.

ANZ Structured Rural Finance (SRF) offers the flexibility to structure finance solutions unique to each agribusiness. You can structure the loan in line with your interest rate risk management (hedging) plan and your repayment and cash flow needs. The major features are:

Fixed Interest Rate Protects your business from unfavourable interest rate fluctuations by locking in a rate for the term of the finance.
Maximum Interest Rate Combines the flexibility of a variable interest rate with the security of a ‘cap’ (i.e. maximum rate), protecting you from increases in interest rates. If interest rates fall, your borrowing costs are reduced.
Forward Start Allows you to lock in a fixed rate (or maximum rate) now, for funds to be used at a later date. The drawdown date can be up to two years in the future.
Flexible Repayment Options Repayments can be designed to complement the cash flow requirements of your business including:
  • Seasonal or irregular repayments
  • Principal or interest only reductions
  • Balloon/lump sum repayments
  • Progressive drawdowns
  • Early repayment flexibility.

In short, many different structures are available. Our local ANZ Rural Manager can show you a finance structure to match your business needs.

At a glance
Loan Amount Minimum $100,000
Interest Calculated The interest rate is expressed as a yield rate. The rate applicable to an SRF is quoted by an ANZ Capital Markets dealer.
Fees and Charges Fees and charges apply. Please ask your ANZ Rural Manager for details.
Rollover Term Structured to meet your requirements.
Loan Term Minimum six months to five years (extended terms available on approval).
Security Can be secured or unsecured. Rural property, residential property, commercial property, business assets or a combination of these.
Repayment Frequency Repayment schedule is determined prior to drawdown of facility, with flexibility built in to match your business needs.
Additional Repayments As above.
Repayment Source All payments are debited from a nominated ANZ account.
Other: Forward Start – ability to lock in your interest rate now, for funds required in the future (up to 2 years).

If you’d like further details or a quote, please contact us by sending an e-form or contact an ANZ Manager.