Security Alert

ANZ Structured Business Finance - Products and services

ANZ Structured Business Finance

Serious solutions that can benefit your business

At ANZ we recognise that protecting your business is important to your future. Our specialist teams can work closely with you to develop risk management strategies that can help your business and enable you to spend more time on what matters.

Give Your Business Interest Rate Certainty.

Interest rate risk management

With financial transactions, you are obviously exposed to movements in underlying interest rates. An adverse movement in interest rates can lead to increased costs for servicing debt. For all business owners and managers it is important to consider the options for reducing interest rate risk. ANZ offers access to cutting edge, simple and flexible risk management products.

Structured business finance

The cash flow needs of every business are unique. The right financing facility for your business will be one that is developed to best meet your individual situation. ANZ can help you identify, understand and quantify your interest rate risk. Our specialists will be happy to work with you and your ANZ manager to put together a finance structure to meet your individual requirements.

How to apply

For businesses with turnover $5M to $40M:

Business Direct Centre
Telephone icon 1800 801 485 - 8am-8pm (AEST) weekdays

For corporates & large corporates with turnover more than $40M:

Enquire online icon Email Corporate Banking

Telephone icon 1300 883 798
+61 3 9601 1260

Product information

Purpose
Protect your business against variations in interest rates.

Term
Six months to 15 years.

Minimum amount
$100,000

Repayment frequency

Principal or interest-only reductions
Seasonal or irregular repayments
Balloon repayments
Early repayment flexibility
Progressive draw-downs.

Structures available

Examples of some of the structures available are as follows. Please note that the possible structures available are not limited by this list:

You set the maximum interest rate you wish to pay while retaining the flexibility to borrow at lower floating rates if available. A premium amount is payable either over the term of the facility or in advance.
You set the amount to be drawn on each roll date in line with your seasonal cash flow needs.
You have the flexibility to decide on a defined future date whether you wish to enter into a pre-rated fixed rate facility.
You can take out a fixed rate facility but have the ability to terminate the fixed rate facility with a zero break cost.
You have the flexibility to vary the amount borrowed on any roll date between defined bands, while retaining the advantage of fixed rate cover.
You have the protection of a capped rate and have the ability to participate in some but not all of the benefit should floating rates fall below the capped rate. Premium can be reduced to zero.

If you'd like to find out more about our range of risk management solutions for your business, please contact your ANZ Manager or call 1800 801 485 between 8am and 8pm (AEST), Monday to Friday.