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Manage your cash flow with working capital

A working capital loan could be used for a variety of purposes, such as covering day-to-day expenses or seasonal needs.
Calculate repayments

Heartland working capital loan types

Business Revolving Credit Facility

Withdraw and repay business funds to suit your situation.

Find out more Apply now

Term Loan

Boost your business with up to 5-year terms and unsecured lending up to $100,000.

Find out more Apply now

Are you eligible?

If you tick the following boxes, you're good to go!

  • I'm a registered business, partnership, sole trader or a simple trust.
  • I'm a NZ citizen or permanent resident.
  • I have valid ID and proof of my address.
  • My business is located in New Zealand.
  • My credit looks good – I have never been bankrupt and I haven't had any unpaid defaults in the past five years.

Estimate your working capital loan repayments

Work out what your monthly repayments might be with our working capital loan repayment calculator.

How does a Heartland working capital loan work?


Apply online Complete your application in just three minutes from your mobile phone, tablet or laptop.


Provide your documents Provide supporting documents and information to finalise your application.


We’ll verify your information We’ll verify the information you’ve given us and conduct any further checks required.


Verify your identityWe’ll verify your identity with our facial recognition technology.


We’ll pay the vendor directlyOnce approved, we’ll deposit your funds into your nominated account.

Questions? We have answers

Heartland offers loan terms of up to ten years with regular principal and interest repayments.
Interest rates vary based on your current situation. Interest rates start from 8.70% p.a. We will advise the interest rate for your loan when we review your application.
The minimum working capital loan amount is $10,000. We will need additional information and partial security for any amount above $100,000. Any amount above $250,000 will require full security.
Yes, you can. You don’t have to bank with Heartland in order to take out one of our working capital loans. They’re designed to work in conjunction with your existing everyday business bank account.
Depending on the purpose of the loan, we will distribute the funds accordingly. If you need a boost in working capital, the money will be credited to your nominated business account. Once your loan has be approved, we will let you know how to access the funds.
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