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Franchise loans

Smart unsecured franchise loans to get your business started.

Apply in minutes, get a decision in seconds

You can apply for a business loan up to $100,000 without using your home or other asset as security.

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

Heartland franchise finance is different

Whether you have already found a franchise to buy or are still looking for the right opportunity, we want your business dream to come true. That’s why we offer franchise lending that makes it easier to get the funding you need, even if you don’t own a home or motor vehicle that you can use as security.

Security required

We do not require security for loans up to $100k (i.e. home or other valuable property)

Interest rate

10% to 16.75% p.a.
depending on your credit score and a range of other factors.


We offer loan terms from 12 to 60 months or ask about our revolving facilities.

Contact us

What to expect when you apply with us

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1. Fast online application process

It takes less than three minutes to get your franchise business loan application going. Just answer a series of questions on our online application form. We’ll let you know straight away whether your application is conditionally approved.

2. Get a quick answer

After we receive your online application, we will request some bank statements, pay slips or proof of turnover (if you’re buying an existing franchise). Once you’ve provided these documents to us, you’ll get a yes or no answer from us within 1 business day.

3. We pay the purchase price for you

Once we’ve done the necessary background checks and your application is approved, the loan funds will be paid directly to the franchisor or vendor (if you’re buying an existing franchise), making the process simple and hassle-free for you.

We’re happy to be your other bank

When you get franchise finance from Heartland, you don’t have to move the rest of your banking across. We’re happy for you to stay with your main bank for all your transactional banking needs.


businesses funded, and counting

$ 25 million

made available to small businesses

25 years

experience managing Kiwis' money

Apply in minutes, get a decision in seconds

You can apply for a business loan up to $100,000 without using your home or other asset as security. Or you can apply for a partially secured business loan up to $250,000.

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

Questions? We have answers

Interest rates vary between 10% and 16.75% (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.
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.
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).
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $100,000.
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.
Send an email with your account name and the period you would like the loan statement for to [email protected]
We have a great range of options, from term loans to help you buy a franchise to revolving credit facilities to assist established franchises with their cash flow.

Prefer to talk directly to one of our business specialists?

Chat with Heartland

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with one of our team

Lending criteria, terms, conditions and fees apply.