Business Loans

Fast finance for your small business

  • Unsecured loans up to $75,000
  • Partially secured loans up to $250,000
  • Apply in minutes, get a decision in seconds
  • No need to change banks or secure your lending against the family home

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

Don’t want to put your house on the line?

We can provide unsecured finance up to $75,000 and partially secured loans up to $250,000 for New Zealand small businesses. That’s right – we don’t take security over your home.

Get started with our simple online application for small business finance.

What our customers say

Open for business customer

"I would highly recommend the product to small business owners who need that extra capital to invest in their business' success."

Kerry Bradburn

Wild Poppies,
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

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).
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.
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.
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.
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 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.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
The online application takes around 2 minutes, and you'll receive a decision in a few seconds.
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.

Prefer to talk directly to one of our business specialists?

Chat with Heartland

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