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.

Start your application

I would like to borrow:

I need the loan:

Please pick an option

Apply Now

Here's how it works

Complete the easy online application anytime, anywhere.

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

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

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?


customers we have helped on their journey


for New Zealand


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

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.

Interest rates vary between 9.50% to 16% (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.

Prefer to talk directly to one of our business specialists?