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ANZ Business Flexible Facility

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. This can make it a cost effective way to cover short-term business funding needs.

ANZ also offers home loans secured by residential property.

Product information

Product information
Fee plans

A choice of two transaction fee plans gives you control over the feesdisclaimer you pay. Talk to a Business Specialist to work out the best option for you; if you make more than 30 transactions a month, Smart Plan could be the smart option.

Choose from:

Pay As You Go - great for smaller business or if you don't make many transactions over the month:

  • $4.00 monthly account fee (waived if your average daily balance for the month is $10,000 or more)
  • $0.25 for each automated transactiondisclaimer
  • $0.65 for each manual transactiondisclaimer

Smart Plan - ideal for larger businesses or if you make lots of transactions:

  • $10.00 monthly account
  • your first 50 automated transaction fees are waived each month, then $0.15 for every additional automated transactiondisclaimer
  • $0.55 for each manual transactiondisclaimer
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 your agreed flexi limit (minimum $5 a month).

Loan top-up fee

$250 for ANZ Home Loans. Up to 1% of loan amount (minimum $250) for ANZ Business, Commercial and Agri Loans.

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


Enquire online

Fill in our enquiry form and we'll contact you



Business - 0800 269 249

Intl: +64 9 523 7220

General enquiries
6am -12 midnight (NZT), 7 days a week

Business Specialists available
Weekdays, 8am - 7pm (NZT)
Weekends, 9am - 5pm (NZT)

Commercial - 0800 212 269

Intl: +64 4 470 7768

Weekdays, 7am - 7pm (NZT)
Weekends, 9am - 5pm (NZT)



Find a branch

Find your local branch and talk to a Business Specialist


Related products

ANZ Business Current Account

The everyday business account.

ANZ Business Start-up Package

You can apply for the ANZ Business Start-up Package if you've owned your business for less than two years. Pay no transaction or monthly account fees on your ANZ Business Current Account for the first 12 monthsdisclaimer, amongst other banking benefits.

ANZ Business Overdraft

Flexible credit for your daily cash flow needs.

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 electronic payments and other transactions made using ANZ Internet Banking, goMoney, ANZ Direct Online and Phone banking.

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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). Deposits made through an ANZ Fast Deposit Box are charged as staff-assisted transactions.

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Eligibility, lending criteria, terms, conditions and fees apply. Details are subject to change.

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