Business Loans

Looking for a business loan or revolving credit facility?

  • Unsecured lending up to $75,000
  • Partially secured lending up to $250,000
  • Apply in minutes, get a decision in seconds
  • No need to change banks

Get started with our 3 minute application

I would like to borrow:


Bring your business plans to life

Business loans from Heartland Bank help Kiwi businesses to grow and transform. We work with all types of small-to-medium companies, from boutique clothing and gift shops to earthmoving contractors and truck drivers. We offer both revolving credit and term facilities and may not require any security for facilities up to $75,000.

Here's how it works


Complete the easy online application anytime, anywhere.


In just a few seconds we'll get back to you with a decision.


If approved, the money could be in your account in a matter of days.

Get started

What our customers say

What our customers say

"I would highly recommend the product to small business owners who need that extra capital to invest in their business' success."

Kerry Bradburn

Wild Poppies
Open for Business customer

Heartland Bank Kerry Bradburn Customer Testimonial

We’re not like other banks

For NZ business loans of up to $75,000 we may not require any security, so you don’t necessarily have to own a house or other big asset to get a loan. It means you can keep your personal life separate from your business life.

Whether you want to buy new stock, upgrade equipment or give your business an injection of working capital, our business loan application and approval process is quick and easy.

Apply now

Why choose Heartland?

When you get a business loan from Heartland, you don’t have to move your other banking to us. We’re happy for you to stay with your main bank for your day-to-day banking needs.


businesses funded, and counting

$ 25 million

made available to small businesses

25 years

experience managing Kiwis' money

Get started with our 3 minute application.

I would like to borrow:


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.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $75,000.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
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.
The online application takes around 3 minutes to complete.

Prefer to talk directly to one of our business specialists?

Chat with Heartland

Chat online

with one of our team

Lending criteria, terms, conditions and fees apply.