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Business lending

Need business funding? We’ve got a range of business loans and other funding options to help you start, grow or buy a business.

In this section

Business overdrafts

Get flexible credit for your daily cash flow needs with an overdraft linked to your business banking account. You'll only pay interest if and when your balance dips below $0.

ANZ Business overdraft

Business loans

Find a loan to suit your business’ medium or long-term finance needs. Choose fixed or floating interest rates, or a mix of both to balance flexibility and security.

Business loans

Business home loan

If you want to borrow for business purposes, an ANZ Business home loan is available as a floating or fixed interest rate loan. You’ll use your home or other residential property as security. 

ANZ Business Home Loan

Business Flexible Facility

Borrow, repay and reborrow money as and when you need it, up to an agreed limit. It’s more flexible than a term loan and may be cheaper than an overdraft.

ANZ Business Flexible Facility

ANZ Business Green Loan

If your project will have a positive impact on the environment, our green loan and its special interest rate may suit you.

ANZ Business Green Loan

Business lending for start-ups

If you’re a new business and don’t yet have the financial data to apply via ANZ goBiz, we can help you apply for lending.

Start-up lending can help you with costs such as purchasing equipment, investing in technology, managing cashflow and more.

All you need to apply is your business plan, a cashflow forecast and meet our other eligibility criteria.

Call 0800 269 249

Finance for agribusinesses

We lend more money to New Zealand farmers than any other bank, so whatever your aspirations, talk to us. We can tailor a solution for your specific finance needs.

Finance for agribusinesses

Related products and content

Business cards

Whether you're looking for a low cost way to manage your cash flow, or a simple way to manage employee business expenses and reduce your purchasing costs – we have a card solution for you.

Business cards

Offers on digital business tools

Try out innovative digital tools that make running a business easier with these exclusive offers on accounting, payroll or expense reporting software.

Offers on third-party digital tools

Financing your business

Funding types including loans, asset finance and seeking investors. Here’s how to choose what works for your business, whether your goal is to grow, buy equipment, or purchase new premises.

Financing your business

Important information

Terms, conditions, fees, eligibility and lending criteria may apply.

This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals or about our products and services. See our financial advice provider disclosure (PDF 44.6KB).