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.


Rates and fees

Fee details

Monthly account fee


Transaction fee

No charge for automated or manual transactions

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).

Apply online using ANZ goBiz

If you use MYOB or Xero, you can apply for up to $500,000 secured or $250,000 unsecured lending for your business. This total includes any existing lending you may already have with ANZ.

How to apply

From overseas: +64 9 523 7220

Related products

Important information

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.