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Term Loan

Looking to purchase business assets, needing working capital or just after a cash injection for your business? If you’ve been in business for over two years and hold a good credit score, you could get unsecured lending up to $100,000 in minutes, or secured funding up to $250,000.

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.

If your application is successful, your interest rate may be different to the rate used in this calculation. An establishment fee applies to each loan and is not included in total loan cost above.

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 identity We’ll verify your identity with our facial recognition technology.


We’ll deposit your funds Once 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

If you wish to make changes to your repayment amount or frequency, you will need to get in touch with our team so we can assess your eligibility prior to any changes.
Increasing your loan term will mean you make smaller repayment instalments, but your interest expense will increase, as you pay interest for a longer period of time.
Yes, if you meet our eligibility criteria to refinance.
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 funding for your term loan on an agreed date.

Why choose Heartland?


Provided through
business loans


Business customers served


Years in business

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