Give your business a boost

Every business begins somewhere. We’re here to help you make the most of yours. If your small business needs a boost, we have business finance options that could work for you.

Calculate repayments

Ready to apply?

You can apply for a small business loan up to $100,000 without using your home or a large asset as security.

I would like to borrow:

To help me:

Please select loan purpose

Business funding without the need for security

Our unsecured small business loans are designed with your business in mind. With unsecured lending up to $100,000 plus longer terms and lower interest rates, you don’t need to own a home or large asset to help make your business dreams a reality.

Unsecured lending up to $100,000

Unsecured lending up to $100,000

Term loans or revolving credit facilities available

Term loans or revolving credit facilities available

Apply online and receive money within days

Apply online and receive money within days

No need to change banks

No need to change banks

Unsecured lending up to $100,000

Unsecured lending up to $100,000

Term loans or revolving credit facilities available

Term loans or revolving credit facilities available

Apply online and receive money within days

Apply online and receive money within days

Loan structure review

No need to change banks


What can I do with an Open for Business loan?

You could use the funds for a number of business-related expenses.

  • Manage day-to-day operational costs
  • Cover payroll expenses
  • Cover seasonal downturns or unexpected expenses
  • Purchase inventory
  • Employ additional resources
  • Upgrade equipment or buy new furniture
  • Give your office a facelift
  • Get marketing campaigns off the ground
  • Expand your business

Estimate your business loan repayments

Work out what your monthly repayments might be with our business loan repayment calculator.

Minimum loan amount is $10,000

Please select the term

Please select an interest rate

Monthly repayments:

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Your repayments have been calculated at the selected interest rate. However, if your application is successful, your interest rate and repayment amount may be different to those shown above. Our interest rates vary between 10% and 16.5% p.a. and your interest rate will depend on your personal circumstances. An establishment fee applies to each loan. The repayment amount shown above does not include repayment of that fee. Please call us on 0800 80 91 91 for more information.

Are you eligible?

If you tick the following boxes, you’re good to go!

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.

If you need support for your business due to COVID-19, find out more about how we might be able to help.

How does it work?

Apply online

Apply online
 

Complete your application in just three minutes from your mobile phone, tablet or laptop.

Provide your documents

Provide your documents

Provide supporting documents and information to finalise your application.

Verify your identity

Verify your identity
 

We will verify your details to confirm your identity and check the information you provided.

Receive your funds

Receive your funds
 

Once approved, we’ll aim to get the money to you within two business days.

Apply online

Apply online

Complete your application in just three minutes from your mobile phone, tablet or laptop.

Provide your documents

Provide your documents

Provide supporting documents and information to finalise your application.

Verify your identity

Verify your identity

We will verify your details to confirm your identity and check the information you provided.

Receive your funds

Receive your funds

Once approved, we’ll aim to get the money to you within two business days.

Apply now

Questions? We have answers

For more information including how to apply, visit our Business Finance Guarantee Scheme page.
If your business is financially affected by COVID-19, we may be able to help through access to our business finance options or the Government’s Business Finance Guarantee Scheme. If you’re an existing customer, we may also be able to support you with options to help you manage your cash flow and other commitments you have during this period. Find out more about the options available.
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.
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.
The minimum business loan application is $10,000. There is no maximum, however we will require additional information for any loan above $100,000.
Unsecured loans have a maximum term of 60 months. However, this is dependent on meeting our lending criteria. Secured loans have a maximum term of 5 years but can go up to 7 years in certain circumstances.
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, then the loan funds will be paid to your nominated bank account.
We have a great range of options, from term loans to help you buy a franchise, to revolving credit facilities to assist established franchises with cash flow.
We don’t take residential property as security. We will look to use business assets instead such as vehicles or machinery as security.
Yes, you can. Just complete our online application and one of our business lending specialists will get in touch with you to discuss your options.

Prefer to talk directly to one of our business specialists?

Email Heartland

Email us

[email protected]

We will be in touch within the next working day.

Call Heartland

Call us

Phone: 0800 80 91 91

Available: 9am–5pm, Mon–Fri (exclusive of public holidays)