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Business loan calculator
Use our business loan repayment calculator to quickly work out how much your repayments could be.
You can choose to estimate your instalments on a secured or unsecured business loan and the difference an interest-only period would make to your payments. When you’re ready, you can explore our secured and unsecured business loans below.
For loans of over $3 million, request a call back from a business banker.
Estimated repayments are estimates only based on the information you input. They are for illustrative purposes only and are not an offer of finance. The calculator may allow you to select an input (e.g., repayment frequency, loan period) that may not be available for your actual business loan. Estimated repayments do not include fees and charges payable for your business loan and therefore can be higher or lower than the actual figure shown.
Business loans
Design your loan with help from our expert business bankers by selecting your interest-only period, how often you’d like to make payments, and whether you’d like to use an asset as security.
- $10,000 minimum
- Choose a fixed or variable rate
- Borrow for up to 30 years
Unsecured business loans
Apply online with a one-time encrypted connection to your accounting software and get conditional approval in 20 minutes if you're eligible, or you can request a call back from a banker.
- Borrow $10,000 to $500,000
- Choose a fixed or variable rate
- Borrow for up to 7 years
Six steps to prepare for lending
Good financial management can make or break a business. Having a solid grasp of you business' financial position, developing good financial practices, and having the right system in place is crucial to success.
Ready for a change? Refinance fast with ANZ
Get a green light for switching to ANZ with our streamlined lending services for up to $1.5 million.disclaimer
Don’t delay. Book a call today.
Eligibility Terms and Conditions apply. disclaimer
Financial hardship
If you’re experiencing vulnerability or having trouble making repayments on your loan or credit card, get in touch and together we can work on a plan to get you back on track.
Accessible banking
Our aim is to make ANZ products and services more accessible and inclusive.
Interest rates and fees are current as at Friday, 16 June 2023 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 (available on application) before acquiring the product.
Products are available to approved applicants for business purposes only. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions, Fees and charges and eligibility criteria apply.
We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether these products are right for you.
The term of the loan will be subject to relevant product terms and conditions, eligibility and credit criteria, and will vary according to the loan amount and security provided. Eligibility criteria for an ANZ Business Loan with a 30-year loan term includes:
- total credit facilities with ANZ, including new loan funds as part of the application and any credit facilities held by related entities, must be less than $3 million;
- loan purpose acceptable to ANZ; and
- provision of security acceptable to ANZ, meeting ANZ’s security requirements including minimum security coverage and suitable security location.
Eligible products include: ANZ Business Loan and ANZ business car or equipment loans.
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.
The loan needs to be secured by first class security meeting ANZ security requirements, including minimum security coverage and suitable security location.
You need to provide 12 months of statements which show current minimum repayment amount and no late repayments on your existing business lending facility. If the bank statements do not set out the minimum repayment amount, this information will need to be provided separately (e.g. copy of letter of offer or notice, or screenshot of account details, showing the amount).
Terms and conditions, eligibility and credit criteria apply for ANZ’s rapid refinance process, including:
- Your total business borrowings with ANZ are less than $1.5 million including the funding under the refinance application.
- Your proposed repayments on the refinanced loan are equal to, or less than, your current repayments.
- You are refinancing your existing OFI (other financial institution) business lending facility only or existing ANZ business lending facility such as ANZ Business Loan, business car loan or business equipment loan.
- Your existing business lending facility has been established for a minimum of 12 months.
- You satisfy a credit check.
- As long as the remaining term and the age of the asset being refinanced meet ANZ's credit requirements.