ANZ Commercial

ANZ Commercial

Scroll Down

Everything you need to know about a ANZ Commercial Loan

As one of Australia’s big four bank’s ANZ has been able to standout with their competitive products. They offer attractive rates and higher loan-to-value ratios for commercial loans secured by residential property. With a range of loan products available, this lender has become a staple source of financing for Australia’s small and mid-sized businesses. It has won several awards, including CANSTAR’s 5-star rating for Business Loans. ANZ offers low doc options, start-up financing, property development loans and more, all with a focus on today’s business customer needs. This means you can expect fast approval times, flexible repayment options and a forward-thinking perspective on the realities of starting and running a business today.

Key Benefits

  • Competitive loans for both small and large businesses
  • Greater flexibility for qualified borrowers
  • Dedicated Relationship Managers for some products

Drawbacks

  • Customer service not strong for smaller commercial loans
  • Strict lending criteria
  • Annual loan reviews for some products

Compare Home Loans

Business building ceiling

ANZ Commercial Loan Products Breakdown

ANZ Business Loan

  • Choice of security
  • Flexible repayments
  • Choice of rate type

Easily tailored to help with your lending needs

A customisable option, with the award-winning ANZ Business Loan, you choose if your loan is secured or unsecured, fixed or variable rate, and if you’ll pay your interest in advance or in arrears. ANZ’s bundle option also makes this an attractive commercial financing product. For a set monthly fee, you can bundle your loan with your business credit card, savings account, merchant services and business overdraft protection. Borrow a minimum of $10,000.

ANZ Tailored Commercial Facility

  • Flexible loan types
  • Manage rate movements
  • 24/7 customer service

Manage interest rate movements to protect your business

With the ANZ Tailored Commercial Facility, qualified borrowers get maximum flexibility, giving you more control of your business finances. Tailor your loan type and choose the term for each type you want to use. This helps you to reduce your business’s risk to interest rate changes. With a dedicated point of contact with the bank, you can get in touch with your ANZ Relationship Manager or Market Advisor to discuss instant changes to your loan type and repayment option when your business circumstances change.

ANZ Agri Finance

  • Choice of repayments
  • Variable interest rate
  • Redraw

Flexible finance to help you with farm expansion and development

A supportive financing option for today’s agriculture businesses, ANZ Agri Finance offers flexible repayment options, including seasonal options and useful features that let you pay down your loan early or redraw on your extra repayments when you need the cash. This dynamic lending product was designed to make business growth more accessible to Australia’s agribusinesses, from start-ups to family-run farms. Borrow a minimum of $10,000.

ANZ Business Mortgage

  • Low interest rates
  • Flexible repayment options
  • Link to Offset Account

A flexible loan to help your business grow

For borrowers with a residential property as security, the ANZ Business Mortgage loan offers a low-cost option. It comes with a low rate and flexible repayment options. Choose from a fixed or variable interest rate. To save on the cost of the loan, you can link to your ANZ Business Mortgage Loan Offset Account. The minimum loan amount is $25,000.

ANZ Business Overdraft

  • Low interest rates
  • Flexible repayment options
  • Link to Offset Account

Make the most of your business’s value

To help you manage your business expenses with confidence and stay on top of your cash flow, ANZ Business Overdraft is a line of credit loan with flexible repayment options. You can withdraw the money you need to cover business expenses, drawing down from the money you deposit from your business. As a line of credit loan, there is no minimum or maximum term. To make managing your funds easy, the loan comes with an online transaction account.

ANZ Commercial Bill Facilities

  • Flexible loan types
  • Manage rate movements
  • 24/7 customer service

A short or long-term finance to help grow your business

When you need to purchase inventory, equipment or other capital, ANZ Commercial Bill Facilities lets you make your financing work for your needs. You can choose to secure your loan with different assets or opt for an unsecured loan. Tailor your repayment options to suit your business, whether you need principal or interest-only reduction, balloon repayments, seasonal or progressive draw-downs. For eligible business customers, you can even tailor your bill facility types, using Variable, Fixed, Capped, Range or a combination of two or more. Loan amounts start at $500,000 with a maximum term of five years.

ANZ Vehicle and Equipment Finance

  • Tailored repayments to suit cashflow
  • $7,500 minimum finance
  • Allows businesses to buy equipment and use finance to spread out the cost

For businesses wanting to finance vehicles or equipment

ANZ Vehicle and Equipment Finance loans allow customers to cover the cost of assets needed for the business without absorbing the cost in one hit. With the ability to tailor repayments to suit cashflow and a $7,500 minimum, this loan lets businesses buy varying degrees of equipment ranging from office furniture through to forklifts and harvesters.

ANZ Revolving Agri Line

  • Flexible line of credit to help businesses manage cashflow
  • Unlimited transactions
  • Flexible interest payment options to suit seasonal needs

Flexible line of credit to manage agribusiness cashflow

A loan to help agribusinesses manage seasonal fluctuations in their cashflow. The flexible nature of the ANZ Revolving Agri Line helps customers to manage their cashflow by making transactions when they need as well as the ability to choose the frequency of their interest payments.

Still looking for your perfect match?

At eChoice, we have partnered with over 20 of Australia's leading lenders to help you find the right home loan. Chat with one of our experienced brokers today.

Estimated Refinancing Savings

Potential Lender Options

Competitive Interest Rates

Estimated Borrowing Power

Estimated Monthly Loan Repayments

Compare Home Loans

iPad

Frequently Asked Questions

How do I get a loan with ANZ?

To get a loan with ANZ, contact an eChoice Home Loan Consultant. The eChoice Home Loan Consultant will talk you through your options and collect your details before connecting you to an eChoice Home Loan Specialist who will be able to find you the right ANZ home loan product.

Can I redraw on my ANZ loan?

Some ANZ Commercial home loans products will allow you to redraw on extra repayments, such as the ANZ Agri Finance.

What is the current home loan interest rate at ANZ Bank?

Interest rates vary between products. Current ANZ interest rates on various loan products can be seen below?