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Choice and control

With a choice of repayment options, our Business Loan lets you handpick the solutions that suit your business best. Whether you want your finance secured or unsecured, at a fixed or variable rate of interest, for commercial or investment purposes, we can help.

Benefits at a glance

  • Secured or unsecured
  • Variable or fixed interest rate
  • Flexible repayment options.

Suitable for

Think about our Business Loan if you want a capital boost with flexible repayment and interest rate options for loan amounts above $10,000.

How to apply

For businesses with turnover $5M to $40M:

1800 602 761 - 8am-8pm (AEST) weekdays

Contact your nearest Business Banker

For corporates & large corporates with turnover more than $40M:

Email Corporate Banking

1300 883 798

+61 3 9601 1260

Product information

Loan amount

Minimum $10,000


Unsecured or secured by various forms of security including residential*, commercial or rural property, business assets, or a combination of these.


Up to 15 years (variable rate) or up to 10 years (fixed rate).

Interest types

  • Variable rate (up to 15 years)
  • Fixed rate, interest in arrears (up to 10 years)
  • Fixed rate, interest in advance (up to five years)

Repayment terms - variable rate

  • Weekly
  • Fortnightly
  • Monthly
  • Quarterly
  • Half-yearly
  • Yearly
  • Seasonally

Repayment terms - fixed rate

  • Monthly
  • Quarterly
  • Half-yearly
  • Yearly

Repayment options

Principal and interest or interest only (available up to a maximum term of five years) and a lump sum balloon payment up to 80% of loan amount at end of loan term. 

Terms, conditions, fees and charges

Fees and charges are payable. ANZ Business Banking terms, conditions, fees and charges.

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* Residential property does not include property development or speculative residential construction. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions available on application. Fees and charges apply.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the Terms and Conditions and the Financial Services Guide (PDF, 76kB) before acquiring the product.