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$250–$2,000 sitting right inside your ANNA business account. From $8/month. Weekly auto-sweep. 0% purchase interest. Use it to keep moving while revenue catches up.
Software subscriptions. Business insurance. Equipment. Your first contractor. The ASIC fee already hit your account for $611. Revenue? That's still weeks - maybe months - away.
Banks won't touch you. You're brand new - no trading history, no financials, no credit score. So you put it on your personal card at 20%+ interest, or you just don't spend and miss the window.
Your ANNA Cash Buffer bridges that gap - so you can move when your business needs you to.
Your cash buffer lives inside your existing ANNA business account.
Register your company or open a business account through ANNA. Takes less than 10 minutes. Your BSB and account number are ready immediately.
Once your account is active and we can see your cashflow, your buffer limit appears - $250 to $2,000 based on your activity. No extra application needed.
Pay via card or bank transfer - both draw from your buffer when your own balance runs low. Repaid automatically each week from your inflows.
One account that combines your BSB and payments, automated tax admin, a cash buffer, and card payments.
Canva, Slack, hosting, CRM - the tools you need from day one before revenue kicks in.
Laptops, fit-outs, inventory - the upfront costs that can't wait for your first invoice to clear.
Public liability, professional indemnity, licences - protect your business from day one.
A domain, a website, your first ad campaign - get the word out while cash is still building.
Online business lenders like Prospa, Bizcap and Lumi charge 35-60%+ effective APR. ANNA charges a simple monthly platform fee with 0% purchase interest.
Simple monthly fee by limit band. 0% purchase interest. No hidden charges.
Monthly platform fee, tiered by limit. 0% purchase interest when weekly sweeps succeed. Your buffer is swept automatically each week from your ANNA account inflows.
We want to be upfront about who we can and can't support right now.
Your Cash Buffer isn't just working capital - it's your track record. Use it responsibly and fast-track your way to a full ANNA Business Credit Card.
Whether you need to incorporate first or already have a company, we've got you covered.
Join the waitlist for early access to your Cash Buffer. Priority approval, no commitment.
We'll incorporate your Pty Ltd and get you business-ready in days. ACN, ABN, GST, business name, and virtual office address included.
Once incorporated, your ANNA account opens automatically. After 3 months of trading, you're eligible for a Cash Buffer.
Incorporate your company →No. Your cash buffer is a short-term credit facility that sits inside your ANNA business account. There's no fixed-term loan agreement and no compounding interest. You pay a simple monthly platform fee (from $8/month), and the balance is swept automatically each week.
A monthly platform fee based on your limit band: $0 at $250, $8 at $500, $12 at $1,000, or $25 at $2,000. 0% purchase interest when weekly sweeps succeed. Compare that to online lenders at 35-60%+ effective APR.
Your limit is based on the cashflow activity in your ANNA account. Limits start at $250 and go up to $2,000. As your business grows, your limit grows with it.
Automatically. Every week, ANNA sweeps your account inflows to clear your outstanding buffer balance. You don't need to remember payment dates or manually transfer anything.
We're targeting Q2 2026 for early access. Waitlist members get priority approval and will be the first to activate their buffer. Join now to secure your spot.