ANZ Business Loan

The ANZ Business Loan is available as a variable or fixed interest rate loan. You can split your loan between variable and fixed rates to balance flexibility and security.

Product information

Loan approval fee

1% of the loan amount with a minimum fee of $250.

Switching fee

A $250 switching fee may be payable any time you choose to switch from a variable rate loan to a fixed rate loan, or vice versa.

Early repayment fees may also apply if you switch from a fixed to a variable interest rate.

Loan top-up fee

Up to 1% of the increased loan amount (minimum $250).

Interest-only repayments

Available for up to five years. Conditions apply and subject to approval.


Payments can be made weekly, fortnightly, monthly or quarterly.

Lump-sum repayments

On a variable rate loan, lump sums may be paid at any time without charge. Fees may apply to lump-sum payments on fixed rate loans.

Loan term

Up to 10 years

Minimum loan amount



Detailed account statements are issued six monthly (other statements frequencies available on request).


Various forms of security may be considered, such as the fixed assets of your business, subject to ANZ lending criteria.

Additional features

  • Available as fixed interest rates, variable rate, or in combination
  • Options for security
  • Interest only repayment options.

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For more information or to apply



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0800 269 249

+64 9 523 7220

Business Specialists available
Mon-Fri 8am-6pm (NZT)



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important info icon  Important information

ANZ lending criteria and fees apply to ANZ Business Loans.

^Eligibility, lending criteria, terms, conditions and fees apply.