Business Loans

Fast finance for your small business

  • Unsecured loans up to $75,000
  • Partially secured loans up to $250,000
  • Apply in minutes, get a decision in seconds
  • No need to change banks or secure your lending against the family home

Get started with our 2 minute application

I would like to borrow:

My yearly business turnover is:

I need the loan:

Please pick an option

Apply Now
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Here's how it works

1

Complete the easy online application anytime, anywhere.

2

We'll get back to you with a decision in seconds.

3

If approved, the money could be in your account in a matter of days. That's fast!

Get Started

Don’t want to put your house on the line?

We can provide unsecured finance up to $75,000 and partially secured loans up to $250,000 for New Zealand small businesses. That’s right – we don’t take security over your home.

Get started with our simple online application for small business finance.

Discover the right business loan to suit your needs

Small Business Loans

A fast and simple business loan application to get you growing. Apply online for a decision in seconds.

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Franchise Loans

Start up or grow your cleaning, mowing, courier or other small business franchise.

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Working Capital Loans

A working capital loan could help you top up your cash flow and grow your business.

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Asset Finance

Whether you’re looking to purchase new or used machinery, specialised equipment or vehicles, we could help you fund it.

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Plant & Equipment Loans

Asset Finance that could help you purchase or upgrade the equipment you need.

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Truck & Trailer Loans

Funding for all types of trucks and trailers or help with body builds, maintenance, painting or signage.

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Heavy Machinery Loans

We’ll make applying for yellow goods fast and easy.

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What our customers say

"The online application was easy ... It's great finding a bank that walks the talk and is there to help entrepreneurs like us."

Richard Liew

Founder of NZ Entrepreneur,
Open for Business customer

Why choose Heartland?

2,900

businesses funded, and counting

$ 142 million

lent to small businesses

140 years

experience managing Kiwi's money

Start your application

I would like to borrow:

My yearly business turnover is:

I need the loan:

Please pick an option

Apply Now
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Questions? We have answers

The rate is dependent on (1) the credit score of the borrower and any guarantors, (2) servicing position of the loan, (3) the purpose of the loan (e.g. working capital or an asset purchase).
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
Every start-up will have unique requirements which means we need to take into account the different circumstances of every application. Please give us a call to discuss your loan as you won’t be able to get an automated decision.
Of course! Though it’s worth noting that if you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements.
Unsecured loans have a max term of 60 months. However this is dependent on meeting our lending criteria. Secured loans have a max term of 5 years but can go up to 7 years in certain circumstances.
We have to show that the application is affordable and that the business can make the repayments for the loan you are applying for. If you are purchasing a business we will look into the business performance as well as any external income you or any guarantors may be earning.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $75,000.
The online application takes around 2 minutes, and you'll receive a decision in a few seconds.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.

Prefer to talk directly to one of our business specialists?

Chat with Heartland

Chat online now

Call Heartland

Call 0800 80 91 91