Franchise Loans

Finance that gets your franchise up and running

From cleaning, mowing, gardening and courier runs to accountancy and professional services – whatever the franchise, our simple, fast online application could help.

Get started with our 2 minute application

I would like to borrow:


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 we offer

  • Borrow up to $75,000 unsecured

    With a hassle-free application and a quick decision, there’s nothing holding you back. Need to borrow more? We offer partially secured loans up to $250,000.

  • A decision in seconds

    Applying online is easy and we’ll get back to you quickly to let you know if your loan’s approved. We can then have the money in your account in a matter of days, so you can get on with your plans quick smart.

  • No need to change your bank

    And no need to mortgage your home. Our fast finance works alongside your everyday banking to give you the freedom to manage your finances to suit your needs.

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?

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

lent to small businesses

25 years

experience managing Kiwis' money

Start your application

I would like to borrow:

My yearly business turnover is:

Questions? We have answers

Interest rates vary between 10% to 16.5% (p.a.) depending on a range of factors. Once you have completed the online application our lending specialists will discuss interest rates and repayments with you.
If you are purchasing a new start-up franchise, we will in most cases require external income from your either yourself or a guarantor. If you are taking over an existing franchise then we will assess the financials of the business that you are buying. If you can show the repayments are affordable based on the current financials of the business then we may not require external income.

1. In general we will request business financials (if available) and 3 months of business bank statements.

2. We need to be able to establish a debt servicing position and interest rates vary from 9.5% to 16% (p.a.) depending on your credit score and the serviceability of the loan.

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.
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.
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 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.
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 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).
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.
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 online application takes around 2 minutes, and you'll receive a decision in a few seconds.
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.

Prefer to talk directly to one of our business specialists?

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