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ANZ Online Business Lending, Xero integration offers faster decisions

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Ian Boyd

Sep 8, 2020

In these challenging times, access to capital may be more important than ever for Australian small businesses. Some need help filling gaps in cash flow while others are actually expanding, thanks to new business models. So we’re pleased to announce that customers on Xero can now access unsecured lending through ANZ’s Online Business Lending. Small businesses that share their Xero data could receive conditional approval, where eligible, for loans of up to $200,000 in minutes.

This technology is integrated with ANZ’s credit and fulfilment platforms to provide Xero customers a quick, intuitive and simple lending experience. Businesses can elect to securely share historical financial information from their Xero account. ANZ then uses the data to provide a decision on conditional lending in 20 minutes and full approval within two days. Gone are stacks of application paperwork. 

Lending options

Xero customers using ANZ Online Business Lending have access to fixed and variable-term loans as well as overdraft facilities. While both loans and overdrafts are useful forms of capital, they’re designed to meet different needs.

Whether you’re investing in your business or you need to manage cash flow ups and downs, the easy, step-by step application will help you select the right product for your needs. 

Business lending via this platform is unsecured. This means you won’t need to provide asset security, such as cash or property, although a personal guarantee may be required (for example, from company directors). 

The road to recovery is proving hard for many small businesses, and each one is dealing with its own set of challenges. So we commend ANZ for launching this digital lending capability now. ANZ Online Business Lending can act as a much-needed cash flow boost for small businesses and help to improve their prospects at a time when small businesses’ health is more important than ever.

Learn more

Find out more and access full eligibility criteria by visiting

All applications for credit are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges apply.

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