Business Loans

  • Unsecured loans up to $75,000
  • Online application process
  • No need to change your bank
  • No need to secure lending against your family home

Start your application

I would like to borrow:

My yearly business turnover is:

I need the loan:

Please pick an option

Apply Now

Feel like you’re always on the run?

Are you a small business owner looking for working capital? Need to buy plant and equipment or just starting out with a new franchise? Apply for a Heartland Bank Business Loan.

Apply on the run, so you can get back to running your business.

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?

100,000+

customers we have helped on their journey

100%

for New Zealand

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

Questions? We have answers

The online application will take around 3 minutes.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $75,000.
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.
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 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).
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 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.
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.

Prefer to talk directly to one of our business specialists?

Chat to us now