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Manage your cash flow with working capital

Whether you’re needing to cover day-to-day expenses, pay suppliers, or manage seasonal requirements, a working capital loan has you covered. If you have good credit, and have been in business for over two years apply now and you could get unsecured lending up to $100,000.
Calculate repayments

Are you eligible?

If you meet the criteria below, you could be eligible for a loan.

  • 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.

Calculate your repayments

Apply in minutes, get a decision in seconds.

How does it 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 deposit your fundsOnce approved and documented, we’ll deposit your funds into your nominated account.

Take care of your business loan anytime, anywhere.

Manage your loan repayments, generate statements and keep up with transactions on the go with ease.

Questions? We have answers

Heartland offers loan terms of up to five years with regular principal and interest repayments for working capital loans.
Interest rates start from 12.00% p.a.
Yes, the minimum loan amount is $10,000 and the maximum loan amount $100,000.
Yes, you do not need to be an existing customer with Heartland to apply for a business loan.
Once all documentation is finalised, our team will work with you to organise payments for your working capital loan on an agreed date.
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