ANZ Business Loans: Broker Eligibility and Evidence

ANZ business loans can fund a trading business through a banker-assisted loan, a GoBiz application or an asset-finance facility. Choose the route from the commercial purpose and repayment source, then match the borrower and security to that route. A home offered as collateral doesn’t turn a business-purpose loan into a residential home loan.

Business Purpose and Borrowing Entity

Start the file with the legal borrower, amount requested, proposed term and what the business will buy or fund. Separate a permanent investment from a short cash-flow gap. Record annual turnover and when the business began trading under its current registration.

As at October 2026, ANZ GoBiz accepts sole traders, companies with up to five directors and partnerships of up to five individuals. Eligible fixed-unit or discretionary trading trusts need a corporate trustee. GoBiz also has shareholder relationship restrictions, so record each owner’s share and relationship to the directors.

GoBiz requires at least six months under the current Australian Business Number (ABN) or Australian Company Number (ACN), with at least six months of reconciled financial data. Companies need both registrations. Annual turnover must not exceed $75 million, and goods and services tax (GST) registration is required from $75,000 turnover.

GoBiz excludes business purchases, refinancing and payments to the Australian Taxation Office (ATO). Predominantly agricultural businesses and some recent ownership changes also need another route. A start-up without that trading history belongs in a banker-assisted assessment.

Prepare an entity map showing the borrower, directors, partners and beneficial owners. Add each proposed guarantor and the owner of each security asset. For a trust, identify the trustee separately from the trust and gather the trust deed for the banker’s document request.

The lender is Australia and New Zealand Banking Group Limited. Keep commercial borrowing separate from ANZ residential lending policy and home loans in a company name.

Financial Capacity and Evidence

Test whether cash left after operating costs and existing commitments can support the new debt. Profit alone doesn’t show when customers pay or when the business must pay suppliers. Compare financial statements with account movements and the forecast.

As at October 2026, ANZ’s business lending checklist lists the following common evidence. The exact request depends on the borrower and route.

• Final profit-and-loss accounts and balance sheets for the last two trading years, plus current management accounts.
• Directors’ tax returns, the latest quarterly Business Activity Statement (BAS) and an ATO activity statement covering 12 months.
• Aged debtor and creditor lists, plus a personal statement of position.
• Non-ANZ business or loan statements covering 12 months for new customers or three months for existing customers.
• The business credit application and documents for the transaction, such as a property contract or premises lease.

For a start-up or business purchase, ANZ’s ANZ lending checklist calls for a recently prepared business plan and a 12-month cash-flow forecast. A purchase also needs the business sale contract and vendor financials.

GoBiz uses connected accounting data or eligible existing ANZ account data. Its accounting connections include Xero, MYOB and Intuit QuickBooks. Prepare existing debt details for either route.

For your assessment, explain unusual income and costs. Separate confirmed contracts from forecast sales, and test a slower collection month. Record facility limits, repayments and balloon obligations so a new loan doesn’t conceal an existing cash shortfall.

Secured and Unsecured Paths

Separate the business’s repayment capacity from what ANZ can recover if repayments fail. Security doesn’t repair an unsupported cash-flow forecast.

As at October 2026, ANZ’s commercial broker guidance describes GoBiz unsecured loans and overdrafts up to $200,000. A General Security Agreement (GSA) may be required above $200,000, up to $500,000 for loans or $300,000 for overdrafts. Directors must provide an individual guarantee and indemnity.

A GSA gives the bank rights over business assets. A personal guarantee creates a separate obligation for the guarantor.

For a $100,000 request, the unsecured route still needs an eligible borrower and sufficient financial capacity. Existing ANZ lending can affect the security requirement.

ANZ’s banker-assisted business loan can use residential, commercial or rural property, business assets or an acceptable combination. Property-backed commercial lending needs the proposed property’s ownership and existing mortgage details.

Obtain a written ANZ structure response before presenting a case-dependent facility as available. Ask which assets secure which debts, who guarantees them and whether ANZ requires a valuation. Record the accepted value, required security coverage and any loan-to-value ratio (LVR) limit ANZ applies to this case.

When slow-paying invoices drive the funding request, explain the debtor book and collection cycle to the business banker. Ask whether a receivables-based facility or another working-capital structure fits the business. Keep any case-specific offer separate from the eligibility summary, including rates, fees and repayment quotations.

For a linked savings facility, use the separate business loan offset account guide. An offset feature doesn’t establish eligibility for the underlying business loan.

Broker Submission Record

Give ANZ one submission summary that connects the borrowing request to its evidence. As at October 2026, ANZ’s commercial broker route requires commercial accreditation for GoBiz referrals and engagement with an ANZ Business Banker before referring the client.

Use this file structure so the banker can identify the request and outstanding decisions.

File item	What to record	What it resolves
Business and purpose	Borrower, trading activity, requested amount, term and use of funds	Which commercial route fits
Entity and ownership	Registrations, ownership map, trustee details and proposed guarantors	Who borrows, controls the business and gives security
Financial capacity	Statement periods, current trading, forecast assumptions and existing debts	The repayment source and any cash-flow shortfall
Transaction and security	Contracts, asset owner, mortgages, insurance and valuation status	What ANZ must assess before confirming the structure
Source record	Product document, version, effective date and date accessed	Which rule supports each threshold or condition
Decisions outstanding	Precise question, ANZ contact, response and follow-up date	Which conditions remain unresolved in this client’s file

Where a public page has no publication date, record its access date separately. Keep a copy of any case-specific written answer. Describe an exception as an exception, with its conditions, rather than treating it as standard policy.

In a hypothetical file, a company requests $100,000 to purchase stock before a seasonal sales period. Its summary names the supplier invoices and expected collections, then reconciles those collections with wages, tax and existing debt payments. The banker can assess that request without guessing whether the money funds a business purchase or ordinary trading stock.

Before lodgement, match the borrower name and requested amount across the application, financial records and security proposal. Record conditional approval separately from final approval and keep each outstanding condition assigned to someone.

ANZ Asset and Equipment Finance

ANZ asset finance funds a business vehicle or equipment purchase with the asset as security. As at October 2026, ANZ’s vehicle and equipment finance guide distinguishes ownership under each structure.

Structure	Who owns the asset	Evidence to prepare for the asset assessment
Business car or equipment loan, also called a chattel mortgage	The business owns it from the start and ANZ takes security	Supplier quote, borrower details and proposed insurance
Hire purchase	Ownership transfers after all payments	Asset details and the proposed hire term
Lease	ANZ purchases the asset and leases it to the business	Asset specification, intended use and proposed lease term

ANZ’s business equipment loan has terms from one to seven years and an optional balloon payment. Company directors may need personal guarantees. Equipment insurance must cover the asset’s full value and name the owner and ANZ as mortgagee.

The business car loan online route covers cars, vans and utes up to $200,000. Trucks, buses and trailers have a dealer-sale-only online route up to $500,000. Those limits don’t make every vehicle eligible, and an online application has additional business eligibility requirements.

For a fleet, prepare an asset schedule with each vehicle’s model, age, supplier and purchase price. Add intended business use and any existing finance payout. Show how the business will meet a balloon payment instead of assuming refinancing will be approved.

Application and Portal Support

Use ANZ Asset Finance Broker Support for broker accreditation and deal eligibility questions: call 1300 385 269 or email Broker@anz.com. Accredited commercial brokers can reach lending resources through the ANZ Broker Portal.

ANZ’s business banking contact page separates asset-finance support from general banking. New asset-finance applications go to 1300 655 086, existing customer enquiries to 13 23 73 and general business banking to 1800 351 663.

The ANZ Asset Finance Portal is linked from ANZ’s official digital-services page and opens an authenticated sign-in. Use your ANZ-issued access for that service. For access or login help, ANZ’s digital services support lists 1800 069 908 and rfapps@anz.com.

Send the asset-finance support team the borrower and asset details when arranging the submission route. After approval and return of signed documents, ANZ’s equipment and vehicle loan process pays the vendor so the business can collect the asset.