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ANZ Business Flexible Facility

The short-term working capital solution that is more flexible than a term loan which could be more cost-effective than an overdraft.

Need to know

The ANZ Business Flexible Facility uses your home or other residential property as security. A first registered mortgage over the property is required.



The benefits of a revolving line of credit with the convenience of a current account. Access your account anytime, the way that suits you - online, over the phone, via EFTPOS, at ATMs or in person at your local branch.

Lower interest rates

Get lower interest rates than you would with unsecured business lending, because your credit is secured against your home or other residential property. Interest is only charged on the credit you use.


With no fixed or regular repayments, you can draw down, repay and redraw funds at any time, within your credit limit.

Rates and fees


Monthly account fee


Transaction fee

No charge for automateddisclaimer or manualdisclaimer transaction

Monthly Overdraft Management fee

0.50% p.a. calculated and charged monthly as a percentage of the highest agreed flexi limit during that month (minimum $5 a month)

Service fees

Cash handling fee for deposits of $3,000 and over per business processing day – 0.25% of total cash deposited

Application fee

Up to 1% of loan amount with a minimum of $250

Debit interest

Interest is calculated daily on the outstanding amount only. Floating interest rates apply

Credit limit

Maximum and minimum credit limits may apply in ANZ’s discretion

See the full list of rates and fees ANZ fees and charges (PDF 151KB).

How to apply

Call us

General business enquiries

7 days a week, 6am - midnight

Business specialists available

Weekdays, 8am - 7pm

Weekends, 9am - 5pm

0800 269 249

From overseas: +64 9 523 7220

Visit us

Find your local branch and make an appointment to talk to a business specialist.

Find a branch

Related products 

ANZ Business Current account

This everyday business account gives you easy access to your money.

ANZ Business Current account 

ANZ Business Start-up package

If you’re in your first two years of business, sign up and pay no transaction or monthly account fees on an ANZ Business Current account or a ANZ Business Flexible Facility for 12 months.

ANZ Business Start-up package 

ANZ Business overdraft

Get flexible credit for your daily cash flow needs with an overdraft that is linked to your business transaction account.

ANZ Business overdraft 

ANZ lending criteria and fees apply to ANZ Business Overdraft ANZ Business Home Loans and ANZ Business Flexible Facility.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.

Fees are subject to change. Service charges may apply. For full details refer to the ANZ Fees and Charges brochure.


Automated transactions include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as all electronic payments and other transactions made using ANZ Internet Banking, goMoney, Phone Banking, and ANZ Direct Online. 


Manual transactions include transactions handled by our staff for you, including at a branch, by phone, or online. Balances and basic account enquiries at a branch are free. We process any deposits received through ANZ Fast Deposit Boxes as staff-assisted, manual transactions.