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Find ANZ Support Centre

Fast, flexible cash flow solutions for business

Is managing cash flow keeping you up at night? Do you have an opportunity to purchase more stock or hire more staff right now?

We have short term, flexible and fast cash flow options for you.

 


ANZ Business Black

Access extra funds fast with an ANZ Unsecured business overdraft

Get the flexibility to easily draw money as you need it, up to your agreed limit.

  • Access $2,000 to $300,000
  • Great for meeting day-to-day expenses
  • Helps you manage interim cash flow needs
  • Only pay interest on the money you use

Use your accounting software to apply faster

Apply online in 20 minutes through an encrypted, one-time connection to your accounting software. No application paperwork or need to visit a branch.

How to apply

Fast online application

Apply in 20 minutes
 

ANZ GoBiz securely connects with your accounting software to assess your financial data, giving you a decision in minutes.

GoBiz is suitable if your business:

  • Uses Xero, MYOB or Inuit QuickBooks
  • Has at least 6 months of reconciled financial data in AUD
  • Has operated under the current ABN/ACN for at least 6 months
  • Has been GST registered if annual turnover is $75,000 or more
  • Has an annual turnover not exceeding $10m

Apply via ANZ GoBiz

Banker-assisted 

We'll call you ASAP
 

If you can't use ANZ GoBiz or just want to talk through your options, maybe you'd like to use an asset for a secured overdraft, our expert business bankers are standing by to assist.

Just leave your details and we'll call you back within 1-2 business days.

Request a call back

 

ANZ Business credit cards


ANZ Business Black

Get on top of cash flow with ANZ Business credit cards

Waiting for your customers to pay you? Enjoy up to 55 interest free days on eligible purchasesdisclaimerwith our ANZ Qantas Business Rewards, ANZ Business Black and ANZ Business 55 Interest Free Days cards.

Need to pay suppliers on the spot? Pay instantly with contactless payments.

Watch the video and learn how Vanessa the café owner gets on top of her cash flow and business admin using her ANZ business credit card.

 

What are you looking for?

Qantas or Reward Points cards

Low annual fee cards


Qantas or Reward Points cards

ANZ Qantas Business Rewards

 
  • Qantas Business Rewards
  • Uncapped Qantas Pointsdisclaimer
  • Enjoy up to 55 interest free days on purchasesdisclaimer

Earn 130,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months from approval.disclaimer

More about this card

ANZ Business Black

 
  • ANZ Business Rewards
  • Uncapped Business Rewards Pointsdisclaimer
  • Enjoy up to 55 interest free days on purchasesdisclaimer

Earn 100,000 extra Reward Points when you spend $6,000 on eligible purchases in the first 3 months from approval.disclaimer

More about this card

 

Low annual fee cards

ANZ Business 55 Interest Free Days

 
  • Enjoy up to 55 interest free days on purchasesdisclaimerto give you flexibility

Save $150 with no Annual Feedisclaimer for the first year on a new card.

More about this card

ANZ Business Low Rate

 
  • Our lowest interest rate on purchases
  • Our lowest annual fee

Save $100 with no Annual Feedisclaimer for the first year on a new card.

More about this card

 

Vehicle and equipment finance

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Business finance for cars, trucks and equipment

ANZ Vehicle and Equipment Finance offers flexible repayment options and can help reduce the impact on your day-to-day cash flow.

  • Flexible cash flow solutions
  • Approved customers may not have to pay a deposit
  • The assets may be used as security

How to apply


Cash flow templates and checklists
 

Icon representing cash flow forecast template showing laptop displaying bar chart with $ sign

Cash flow forecast

Effectively manage your cash flow and feel in control with our handy forecast template.

Cash flow forecast template (xlsx)

 

Icon representing cash flow improvement checklist showing coins a tick and a percentage sign

Cash flow improvement

Improve your cash flow and draw up an action plan with our comprehensive tips.

Cash flow improvement checklist (PDF 1.5MB)

 

Icon representing cash flow checklist showing a calendar with a $ sign

Business cash flow

This checklist will help you understand the current cash flow position of your business and prepare for the 'new normal'.

Business cash flow checklist (PDF)

 

 

Do you have a question about cash flow?

Running a business smoothly means managing cash flow effectively. Cash flow simply means a change in your business cash balance (cash balance being the closing balance in your business for a given period of time). Cash flow lets you understand and assess cash that comes into your business and flows out in a period of time.

Positive cash flow means that at a given time period there's more money going into your business than what's coming out. Imagine there's $20,000 in your business account at the start of a month. If your account ends with $30,000 for the same month, your cash flow is positive $10,000.

Negative cash flow, on the other hand, is the reverse - when there's more money coming out of your account than what's going in for a given time period.

Cash flow forecasting can help in protecting your business before any cash emergency happens. There are many ways in which you could do a cash flow plan. Download and use our handy cash flow forecast template to effectively manage, improve and feel in control of your cash flow.

A cash flow statement can help you see all the cash inflows and outflows for your business over a period of time. A cash flow statement can let you reconcile your business balance sheet with your income statement.

As a small business owner, it's imperative to be on top of your cash flow. Follow these golden rules for good cash flow management:

  • Make smart spending decisions and stick to your business budget
  • Always keep your accounting information up to date
  • Keep a close eye on your accounts receivable turnover, so you can act when it's trending up
  • Maintain a cash reserve to cover unexpected costs when they occur

You can also download our cash flow improvements checklist to draw up your cash flow action plan.

Yes, you do. But don't worry as you can open one when you apply for a business overdraft. You can then use your transaction account to access money via ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, the ANZ app and our branches.

While both business overdrafts and loans involve borrowing money, they’re set up differently to meet different needs. A business loan is a long-term liability and can suit capital purchases like property or system upgrades. See more about business loans. Overdrafts, on the other hand, are flexible short-term cash flow solutions that can help with the ups and downs of business like paying an unexpected bill.

 

We're here to help

Leave your details

Have us call you back to discuss your business needs.

Request a call back

 

   

Call us

Want to discuss new or existing ANZ business banking or need help with general enquiries? 

Mon-Fri 8am to 6pm (AEST)

1800 351 663

   

Important information

Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF) before acquiring the product.

Interest free days do not apply if you do not pay your Closing Balance in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF).

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Qantas Points and Bonus Qantas Points are earned in accordance with the ANZ Qantas Business Rewards Terms & Conditions. Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Qantas Business Rewards Terms & Conditions. The Principal must be a member of the Qantas Business Rewards Program to earn Qantas Points in connection with the ANZ Qantas Business Rewards Card. All Qantas Points earned on eligible Card spend will be awarded to the Principal. Points will not be awarded to individual Cardholders. 

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Offer available to new and approved applicants who apply for a new ANZ Qantas Business Rewards account by 30 January 2025. This offer may be terminated, withdrawn or varied by ANZ at any time without prior notice and is currently scheduled to terminate on 30 January 2025. This offer applies only once per new ANZ Qantas Business Rewards account. Offer is not available when transferring from an existing ANZ Business credit card account and/or adding an additional account to an existing ANZ Business credit card contract. You are not eligible for this offer if you currently hold or have held an ANZ Qantas Business Rewards and/or ANZ Business Black account in the last 12 months. Your application must be approved, and you must activate your ANZ Qantas Business Rewards account and make $6,000 worth of eligible purchases within 3 months of approval to receive the 130,000 bonus Qantas Points. Eligible purchases means purchases which are eligible to earn Qantas Points. Certain transactions and other items are not eligible to earn Qantas Points. For details refer to the ANZ Qantas Business Rewards Terms & Conditions (PDF). The 130,000 bonus Qantas Points will be credited to the Qantas Business Rewards member account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Qantas Business Rewards account before the bonus Qantas Points are processed to your Qantas Business Rewards member account, you may become ineligible for this offer. If any repayments are overdue before the 130,000 Bonus Qantas Points are processed to your membership, you will be ineligible for this offer until any overdue amount and amounts shown on your statement as being payable immediately have been paid.

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF). Certain transactions and other items are not eligible to earn Reward Points. For details refer to the Business Rewards Program Terms and Conditions (PDF).

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Offer available to new and approved applicants who apply for a new ANZ Business Black account. ANZ may terminate or withdraw this offer at any time without prior notice. This offer applies only once per new ANZ Business Black account. Offer is not available when transferring from an existing ANZ Business credit card account and/or adding additional account to an existing ANZ Business credit card contract. You are not eligible for this offer if you currently hold or have held an ANZ Qantas Business Rewards and/or ANZ Business Black account in the last 12 months. Your application must be approved, and you must activate your ANZ Business Black account and make $6,000 worth of eligible purchases within 3 months of approval to receive the 100,000 extra Reward Points. Eligible purchases means purchases which are eligible to earn Reward Points. Certain transactions and other items are not eligible to earn Reward Points. For details refer to the ANZ Business Rewards Program Terms and Conditions (PDF). The 100,000 extra Reward Points will be credited to the Principal/Rewards Administrator within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Business Black account before the extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the 100,000 extra Reward points are processed to your account, you will be ineligible for this offer until any overdue amount and amounts shown on your statement as being payable immediately have been paid.

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Offer available to new and approved applicants who apply for a new ANZ Business 55 Interest Free Days and/or ANZ Business Low Rate credit card account. ANZ may terminate or withdraw this offer at any time without prior notice. The Annual Fee offer applies only once per new ANZ Business 55 Interest Free Days and/or ANZ Business Low Rate credit card account. Offer is not available when transferring from an existing ANZ Business credit card account. The Annual Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) in respect of the new ANZ Business 55 Interest Free Days and/or ANZ Business Low Rate credit card account. In subsequent years the Annual Fee (currently $150 for an ANZ Business 55 Interest Free Days account and $100 for an ANZ Business Low Rate account but is subject to change) will apply.

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