Is cash flow keeping you up at night? Apply online through an encrypted, one-time connection to your accounting software and, if eligible, get conditional approval in minutes.
Apply online in just 20 minutes You don’t need to bank with ANZ to use GoBiz No application paperwork or need to visit a branch See how much you could borrow before the credit check Funds can be in your account in two days, if approved** Once approved, you’ll need to sign and return your documents. Once we receive these, your funds will be in your business account within 2 business days.
ANZ GoBiz securely connects with your accounting software to assess your financial data, giving you a decision in minutes.
If you can't use ANZ GoBiz or just want to talk through your options, maybe you'd like to use an asset for a secured overdraft, our expert business bankers are standing by to assist.
Just leave your details and we'll call you back within 1-2 business days.
ANZ GoBiz securely connects with your accounting software to assess your financial data, giving you a decision in minutes.
If you can't use ANZ GoBiz or just want to talk through your options, maybe you'd like to use an asset for a secured overdraft, our expert business bankers are standing by to assist.
Just leave your details and we'll call you back within 1-2 business days.
Connect your accounting software to share your business financials and get a quick answer online with less paperwork.
Where eligible, get conditional approval in minutes and full approval within two business days. disclaimer
Not feeling ready to apply just yet? You can explore the ANZ GoBiz application form and see how much you could borrow before triggering a credit check.
Simply tell us about yourself, your business and how much you want to borrow, plus a few simple questions to determine if GoBiz is right for you. If it’s not, our expert business bankers are standing by to assist.
Once you log in and provide consent, ANZ will securely analyse the previous 6 and up to 12 months of financial data if available. This includes profit and loss, balance sheet, historical transactions and supporting information. You'll be able to see how much you could apply for right away.
Confirm the amount you want to borrow and submit your application to get conditional approval in minutes. We'll ask for your consent and also the consent of any other directors before we complete a credit check.
After you sign and return your contracts, you will receive funds within two business days. disclaimer
To be eligible for GoBiz, your business needs to actively use a compatible accounting software with an active bank feed connection, and have at least 6 months of reconciled financial data.
Businesses typically verify the accuracy of their accounts by reconciling their financial data at the end of each accounting period, such as monthly or quarterly.
Before applying for GoBiz, please ensure your accounting software is reconciled, as this may affect your application. You can either reconcile your data yourself or speak with your accountant or bookkeeper.
If you have existing ANZ lending and apply for additional funding through GoBiz that exceeds the maximum borrowing amount, your application will be ineligible*.
*Total borrowing limits across all ANZ business lending products must be less than $1.5 million.
A current registered ABN/ACN for longer than 12 months and have at least 12 months of continuous reconciled accounting software data.
A current registered ABN/ACN for less than 12 months or has between 6-12 months of continuous reconciled accounting software data*
A current registered ABN/ACN with an annual turnover of less than $75,000*
Maximum Borrowing Amount per GoBiz product^
*You are eligible for only one successful application via GoBiz.
^Total borrowing limits across all ANZ business lending products must be less than $1.5 million
ANZ GoBiz provides various loan & repayments options tailored to your business needs.
Business loans have an agreed lending term and can suit small and large capital purchases.
Get the flexibility to easily draw money as you need it, up to your agreed limit.
ANZ Business credit cards help grow your business with unique and convenient features and special offers.
Compare and choose from a range of low rate, interest free and rewards credit cards.
Get the vehicle you need to keep your business moving, without using your cash reserves.
You will be able to check your financial eligibility through GoBiz without triggering a credit check. A credit check will be done if you choose to finalise and submit your application at the end. We will ask for your consent and for the consent of any other directors or partners to complete a credit check.
The credit check involves ANZ accessing credit reports from credit reporting bodies. These reports contain information, such as your credit history, that assists us in assessing your application.
If your business has multiple directors or partners, you’ll need to provide contact details for each person so that we can contact them and get their digital consent to conduct an individual credit check.
Yes, you may use ANZ GoBiz to apply for a new unsecured loan, unsecured overdraft or credit card even if you currently have ANZ business loans, overdrafts or business credit cards.
Additionally, you may use GoBiz to apply for a limit increase on your current ANZ unsecured overdraft. You can only apply for lending through GoBiz if you have less than $1.5 million in existing business lending with ANZ.
While both business loans and overdrafts involve borrowing money, they’re set up differently to meet different needs.
Business loan
A business loan has a set lending term and can suit small and large capital purchases. With a business loan you will make regular agreed repayments.
Business overdraft
Overdrafts are flexible short-term cash flow solutions that can help with the ups and downs of business by covering trading or seasonal cash flow cycles or managing working capital, e.g. paying suppliers or purchasing stock. Unlike business loans, overdrafts do not have set repayment commitments. You can draw on the funds in your overdraft, up to the agreed limit, and make deposits when funds are available. There is a fee that is applied to the limit, but you’ll only pay interest on the overdraft amount you use, not on the total limit.
We’ve waived ANZ’s standard approval fee for all ANZ GoBiz applications.
Other standard fees and charges apply. You can read more at ANZ fees or see our unsecured business loan, unsecured business overdraft and business credit card pages for further information.
No, you don’t not need to visit a branch to finalise your application. Once approved, your funds will be disbursed within 1-2 days upon us receiving your signed loan documents.
Business days are Monday to Friday, excluding weekends and VIC public holidays. If your business doesn’t have an ANZ business transaction account, ANZ will open a suitable transaction account online for you.
At the end of the 20 minute online application, it’s possible that you’ll receive a conditional approval. This means that you’re approved for credit from us, subject to our team verifying the information you provided and checking your existing account conduct (where applicable).
It should take no more than two business days before we can provide the final, unconditional approval. There may be instances where we need additional information from you, which could extend this timeframe.
If we are unable to approve your application, we’ll let you know what your next steps are.
By applying through ANZ GoBiz, we’ll collect your personal and business information to assess your application.
We may use this personal and business information to progress your application, including contacting you about incomplete applications and to request a credit report from a credit reporting authority.
You, or the other directors/partners, can call us on 13 13 14 at any time to withdraw consent to this use of your personal or business information, or to find out more. You can also read more about the collection of personal information at ANZ's Privacy Centre.
With an unsecured business loan or overdraft you will not need to use your assets, like cash or property, as a form of security.
Unsecured lending can be useful when you don’t want to use your assets as security or if your assets are already linked to other lending/contracts; however, the interest rate may be higher than that of secured lending.
Financial providers tend to take an individual guarantee and indemnity from the directors of the business taking out the unsecured lending. This means that if the business fails to meet its lending obligations, like repaying the loan, the directors can be held responsible.
With ANZ GoBiz you will not need to provide an asset as security. Directors of the business taking out the unsecured lending will need to provide an individual guarantee and indemnity.
If you are running a business and trade predominantly as an agriculture business (eg. farms and nurseries) you will not be able to apply online through GoBiz, however you can speak to one of our dedicated Agribusiness bankers who are specialised to assist in your industry by leaving your details in this enquiry form.
You are eligible for multiple successful GoBiz applications if your business has been operating under the same registered ABN/ACN for more than 12 months and has more than 12 months of continuous reconciled financial data.
If your business has been operating under the same registered ABN/ACN for less than 12 months, or has between 6 and 12 months of continuous reconciled financial data in AUD, you are only eligible for one successful GoBiz Application.
If your business has an annual turnover of less than $75,000, you are only eligible for one successful GoBiz Application.
A variable rate business loan is designed to be flexible, meaning you won’t incur any additional costs by repaying the loan early. A fixed rate business loan, on the other hand, may incur early repayment costs if they are repaid early or refinanced.
These early repayment costs can be high and will be calculated at the time of the early exit. If you decide to close your ANZ GoBiz lending product before the agreed-upon period, our dedicated small business banking team is here to assist you.
Contact us at 1800 801 485 for assistance on the process and any potential charges.
Yes, you can still complete the application yourself if your accounts are managed by an accountant/bookkeeper.
There are a couple things you should plan for:
An ANZ business transaction account is necessary to access the credit being requested. If your business doesn’t have an ANZ business transaction account, ANZ will open a suitable transaction account.
Your login details are encrypted and securely transmitted to your accounting software. We do not store your credentials or have access to your password, ensuring the safety of your account.
Your security is our priority. We take all necessary precautions to safeguard your financial and personal details.
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Brisbane jeweller Ashley Portas is funding the next chapter of growth for his successful jewellery store with help from ANZ GoBiz.
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Octtava Wines owner Nikki Palun applied for a business loan using ANZ GoBiz to fund her bold, inner-city vision for music, food and wine venue.
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The accounting platform that you use every day could be the key to taking your business to the next level.
Have us call you back to discuss your business needs.
Want to discuss new or existing ANZ business banking or need help with general enquiries?
Mon-Fri 8am to 6pm (AEST)
Interest rates and fees are current as at and are subject to change without notice. The interest rate on Variable Rate Loans is subject to change throughout the term of the Loan.
Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.
ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide before acquiring the product.
Business loans: If you are applying for a Business loan you can read all the applicable terms and conditions regarding fees, charges and conditions of use here: Terms and conditions/Business banking fees, Terms and conditions/Loans and Finance and Terms and conditions/Business Accounts.
Business overdrafts: If you are applying for a Business overdraft you can read all the applicable terms and conditions regarding fees, charges and conditions of use here: Terms and conditions/Business banking fees, Terms and conditions/Loans and Finance and Terms and conditions/Business Accounts.
Business credit cards: If you are applying for a Business credit card you can read all the applicable terms and conditions regarding fees, charges and conditions of use here: Terms and conditions/Business banking fees and Terms and conditions/Business credit cards.
Business vehicle loans: If you are applying for a Business vehicle loan you can read all the applicable terms and conditions regarding fees, charges and conditions of use here: Terms and conditions/Business banking fees and Terms and conditions/Asset Finance.
It should take no more than two business days before we can provide full approval. There may be instances where we need extra information from you, which could extend this timeframe. For multi-director companies and partnerships, an individual credit check will need to be completed for each director/partner prior to ANZ commencing the full approval process.
For an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required in cases of directors.
