Looking to purchase business assets, needing working capital or just after a cash injection for your business? If you’ve been in business for over two years and hold a good credit score, you could get unsecured lending up to $100,000 in minutes, or secured funding up to $250,000.
Are you eligible?
If you meet the criteria below, you could be eligible for a loan.
- I'm a registered business, partnership, sole trader or a simple trust.
- I'm a NZ citizen or permanent resident.
- I have valid ID and proof of my address.
- My business is located in New Zealand.
- My credit looks good – I have never been bankrupt and I haven't had any unpaid defaults in the past five years.
Calculate your repayments
Apply in minutes, get a decision in seconds.
Take care of your business loan anytime, anywhere.
Manage your loan repayments, generate statements and keep up with transactions on the go with ease.
Questions? We have answers
- How much control will I have over my repayments?
- If you wish to make changes to your repayment amount or frequency, you will need to get in touch with our team so we can assess your eligibility prior to any changes.
- What is the impact of choosing a loan with a longer term?
- Increasing your loan term will mean you make smaller repayment instalments, but your interest expense will increase, as you pay interest for a longer period of time.
- Can I consolidate a Heartland Term Loan with an exsisting loan from another bank?
- Yes, if you meet our eligibility criteria to refinance.
- What is the interest rate for Heartland Term Loan?
- Interest rates start from 12.00% p.a.
- Is there a minimum or maximum loan amount?
- Yes. The minimum loan amount is $10,000 and the maximum loan amount $100,000.
- Can I take out a loan if I don’t bank with Heartland?
- Yes, you do not need to be an existing customer with Heartland to apply for a business loan.
- How do I receive my funds once my loan has been approved?
- Once all documentation is finalised, our team will work with you to organise funding for your term loan on an agreed date.
Why choose Heartland?
Business customers served
Years in business