Business loans from Heartland Bank help Kiwi businesses to grow and transform. We work with all types of small-to-medium companies, from boutique clothing and gift shops to earthmoving contractors and truck drivers. We offer both revolving credit and term facilities and may not require any security for facilities up to $75,000.
Grow or improve your small business with a simple, fast business loan application.Learn more
Start or grow your cleaning, mowing, courier or other small business franchise.Learn more
Smooth out fluctuations in your cash flow funding with a working capital loan.Learn more
Buy new or used business assets, including furniture, technology and vehicles.Learn more
Upgrade or add to your plant and equipment inventory with help from us.Learn more
Purchase a truck or trailer, or finance body builds, maintenance, painting or signage.Learn more
Complete the easy online application anytime, anywhere.
In just a few seconds we'll get back to you with a decision.
If approved, the money could be in your account in a matter of days.
"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
For NZ business loans of up to $75,000 we may not require any security, so you don’t necessarily have to own a house or other big asset to get a loan. It means you can keep your personal life separate from your business life.
Whether you want to buy new stock, upgrade equipment or give your business an injection of working capital, our business loan application and approval process is quick and easy.
When you get a business loan from Heartland, you don’t have to move your other banking to us. We’re happy for you to stay with your main bank for your day-to-day banking needs.
businesses funded, and counting
lent to small businesses
experience managing Kiwis' money