Applying online is easy and we’ll get back to you quickly with an answer. If approved, the money can be in your account in just a few days, so you can get on with your plans quick smart.
How much small business finance do you need? You can apply for an unsecured business loan or revolving credit facility up to $100,000 or a partially-secured business loan up to $250,000.
Our business lending specialists are ready with knowledge and advice to help you find a solution that works for your business.
At Heartland we work with small businesses every day. We understand that it isn’t always easy to get a loan for purchasing an existing business or improving the business you’ve already got, which is why we may not require security for loans up to $100,000.
businesses funded, and counting
made available to small businesses
experience managing Kiwis' money
“The whole process was pleasant and convenient. A key point of difference was that it didn’t need to be secured against a property. In my experience, versatility, simplicity and customer experience are of utmost importance – it’s great to work with a bank that seems to hold those same values.”
Just the Ticket Limited
Open for Business customer
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.