Working Capital Loans

Manage your cash flow and grow your business

Apply for the working capital you need to develop your business. With finance ready to go, we could help you to top up your cash flow to make the most of all your opportunities.

Start your application

I would like to borrow:

I need the loan:

Please pick an option

Apply Now

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!

Get Started

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 working capital loan up to $75,000 or a partially secured loan facility up to $250,000.

  • Working capital and a whole lot more

    From asset finance 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 Liew

Founder of 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


Start your application

I would like to borrow:

My yearly business turnover is:

I need the loan:

Please pick an option

Apply Now

Questions? We have answers

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.

Interest rates vary between 9.50% to 16% (p.a) depending on a range of factors. Once you have completed the online application our lending specialists will discuss interest rates and repayments with you.
If you are purchasing a new start-up franchise, we will in most cases require external income from your either yourself or a guarantor. If you are taking over an existing franchise then we will assess the financials of the business that you are buying. If you can show the repayments are affordable based on the current financials of the business then we may not require external income.

Prefer to talk directly to one of our business specialists?