Open for business
Business Loan
Get unsecured lending up to $100,000 or secured funding up to $250,000 in minutes with an interest rate starting from 11.99 % p.a.
Are you looking to finance a vehicle?
Check out our Car loans rate starting from 9.75% p.a.
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.
What can you use a business loan for?
Asset finance
Funding for items such as new or used machinery, farm equipment, or a vehicle for your business.
Working Capital
Funding for day-to-day expenses, paying suppliers or managing seasonal requirements.
Franchise loans
Funding for a variety of franchises, including cleaning, mowing, gardening, courier runs and more.
Truck and Trailer
Funding for your light or heavy vehicles such as box body, curtain sider, freezer or chiller trucks.
Are you eligible?
- 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.
- I have good credit history – I have never been bankrupt and I haven't had any unpaid defaults in the past five years.
- I have been in business for 2+ years, or I’m buying a franchise.
Why choose a Heartland Bank Business Loan?
