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Working Capital Loans

Gear up for the festive season

We understand that managing a steady flow of cash can be stressful for some small business owners. A small business loan from Open for Business could help you:

  • Pay seasonal workers
  • Buy more stock
  • Pay for additional office or warehouse space

Get started with our 2 minute application

I would like to borrow:

I need the loan:

Please pick an option

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?


businesses funded, and counting

$ 25 million

lent to small businesses

25 years

experience managing Kiwis' money

Start your application

I would like to borrow:

My yearly business turnover is:

I need the loan:

Please pick an option

Questions? We have answers

Interest rates vary between 10% to 16.5% (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.

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.

Unsecured loans have a max term of 60 months. However this is dependent on meeting our lending criteria. Secured loans have a max term of 5 years but can go up to 7 years in certain circumstances.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $75,000.
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
We have to show that the application is affordable and that the business can make the repayments for the loan you are applying for. If you are purchasing a business we will look into the business performance as well as any external income you or any guarantors may be earning.
Of course! Though it’s worth noting that if you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.
The online application takes around 2 minutes, and you'll receive a decision in a few seconds.
Every start-up will have unique requirements which means we need to take into account the different circumstances of every application. Please give us a call to discuss your loan as you won’t be able to get an automated decision.
The rate is dependent on (1) the credit score of the borrower and any guarantors, (2) servicing position of the loan, (3) the purpose of the loan (e.g. working capital or an asset purchase).
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?

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