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ANZ Business Flexible Facility

A cost effective way to cover short-term business funding needs.

COVID-19 latest updates

Find out more about financial support options and relevant updates to help get you through COVID-19.

Product information

The ANZ Business Flexible Facility provides your business with a line of credit and the convenience of a current account. Because your credit is secured against your home or other residential property, the rate of interest charged is closely aligned to home loan interest rates. 

ANZ also offers home loans secured by residential property.

Product information
Monthly account and transaction fees

$12.50 monthly feedisclaimer, with no charge per automateddisclaimer or manualdisclaimer transaction

Service charges

Service charges apply when a specific service is used:

account transaction charges
business account service charges



You can access funds as required via:

ANZ Direct Online
ANZ Internet Banking
ANZ Phone Banking
ANZ branches and ATMs

Application fee

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

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)

Debit interest

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


Detailed account statements are issued monthly.

Credit limit

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


First registered mortgage over your home or other residential property is required.

Additional features
  • Revolving credit to draw against as required
  • Interest rates closely aligned to home loan interest rates
  • Interest charged only on the credit you use
  • No fixed or minimum repayments.
  • View current interest rates

For more information or to apply

Contact us online

Enquire online

Fill in our enquiry form and we'll contact you


Call a business specialist

Business - 0800 269 249

International: +64 9 523 7220

General business enquiries
6am -12 midnight, 7 days a week

Business specialists available
Weekdays, 8am - 7pm
Weekends, 9am - 5pm

Commercial - 0800 212 269

International: +64 4 470 7768

Weekdays, 7am - 7pm
Weekends, 9am - 5pm



Find a branch

Find your local branch and talk to a Business Specialist


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ANZ Business Current Account

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ANZ Business Start-up Package

If you’re in your first two years of business, you could apply for an ANZ Business Start-up Package and save on fees on an ANZ Business Current Account and an ANZ Business Flexible Facility for the first 12 monthsdisclaimer.

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ANZ Business Overdraft

Flexible credit for your daily cash flow needs.

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

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

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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. 

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Manual transactions include cheques and 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.

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Package eligibility and terms and conditions apply. Package details are subject to change. Lending criteria, terms and conditions and fees apply to all lending facilities. Service fees may apply. See for full details.

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