Small Business Loans

Fast finance for your small business

Small business, big plans? We’ll help you get ahead of the game with a Small Business Loan application that’s simple and fast.

Start your application

How much would you like to borrow?

What's your yearly business turnover?

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!

What we offer

  • 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.

  • Borrow up to $250,000

    How much do you need? You can apply for an unsecured business loan up to $75,000 or a partially secured business loan up to $250,000.

  • More than a loan

    From working capital to cashflow to business debt consolidation, we can help with all kinds of business finance. Our team of business lending experts will help find what works best for you.

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 Patel

Founder & 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


Discover the right business finance for you.

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Questions? We have answers

The online application will take around 3 minutes.

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

If you are purchasing an existing business we will ask for the financials of the business being bought, a business plan, cash flow projections and 3 months of personal bank statements.

If you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements. In some instances we may also ask if you have any freehold vehicles or tangible assets to use as security against the loan.

The minimum business loan application is $5,000. There is no maximum, but any loan above $75,000 will require security, such as freehold vehicles or tangible assets. Please note we do not consider 2nd mortgage or caveats.
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. In some instances we may also ask if you have any freehold vehicles or tangible assets to use as security against the loan.
Payments will be taken by direct debit from your nominated account on a monthly basis until the loan amount has been repaid in full. The first repayment will usually be scheduled to be one month after the loan has been paid to you.
Once the loan is approved, you will need to provide identification, and any other details necessary for documents to be prepared, this could include proof of ownership of security items. Documents will be sent to you with clear instructions on what is required for pay-out. Once signed documents have been returned to us, and we have received any other information or documentation we require, the loan funds will be paid to your nominated bank account.

Lending criteria, terms, conditions and fees apply.