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Revolving credit

Smooth cash flow with a revolving credit facility.

  • Unsecured lending up to $100,000
  • Only pay interest on the funds you use
  • Apply in minutes, get a decision in seconds

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

Smooth out your cashflow

We understand that businesses have their ups and downs. Maybe your customers are sometimes slow to pay, or maybe seasonal sales variations are playing havoc with your cashflow. Often it's just a few worrying weeks, then the problem is behind you.

Heartland's solution for times of low cashflow is a revolving credit facility for business. You can call on it when times are tight, then clear the debt when you get paid. It's an excellent alternative to a short-term loan or overdraft.

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A Heartland Revolving Credit facility comes in handy for...

  • Bridging a temporary shortfall between income and outgoings
  • Assisting cashflow funding during times of changes
  • Getting through the slower months of a seasonal business
  • Buying stock or inventory items
  • Other day-to-day working capital requirements

If you need to purchase a business asset, like a new vehicle or piece of equipment, a term loan may be better suited to your needs. Check out our business loans instead.

What you need to know about a Heartland Revolving Credit facility

It's there when you need it.

When your facility is not being used it doesn’t go away and it doesn’t cost you anything. You only pay interest when the facility is in use.

Security is not always required.

We can provide a revolving credit facility of up to $100,000 without any security

You don’t have to change banks.

The Heartland Revolving Credit facility is designed to work in conjunction with your existing everyday business bank account.

Heartland Bank Mobile App

Your Heartland Revolving Credit facility is available in our app.

The Heartland Mobile App allows you to pay money to your nominated account on the go.

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We’re happy to be your other bank

When you get a revolving credit facility 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

Once your application is approved, we need to verify the information you provided and conduct any credit checks that may be required. Then we’ll talk to you about the revolving credit facility terms and rate. The line of credit account will be established and connected to your nominated bank account after you have signed the loan documents.
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 interest rate is individual to each customer and depends on a number of variables including credit ratings and existing company debt. Our lending specialists can talk you through this after you apply. Interest is only paid on funds drawn meaning when it is not in use it is costing you nothing.
The minimum revolving credit facility application is $10,000. There is no maximum; however we will require additional information and partial security for any amount above $100,000.
Your revolving credit facility will continue to be available, provided you comply with your obligations under the agreement, including by meeting our expectations for periodically repaying the amount outstanding. We will regularly review your facility to ensure it’s the right business finance product for you.
The online application takes around three minutes, and you'll receive a decision in a few seconds.

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.