A working capital loan is business funding that can be used for a variety of purposes. Common purposes include covering day-to-day operational costs, unexpected expenses or seasonal downturns that most businesses face. Most importantly it is funding designed to give your business the breathing room it needs to grow.
"I would highly recommend the product to small business owners who need that extra capital to invest in their business' success."
Open for Business customer
When you get a working capital loan from Heartland, you don’t have to move the rest of your banking across. We’re happy for you to stay with your main bank for all your transactional banking needs.
businesses funded, and counting
made available to small businesses
experience managing Kiwis' money
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.