Borrowing

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Find a business banking expert

Find a business banking expert in your area. Request a call back, or call them directly.

Find a business banker

Call us

Call our business banking team on 0800 601 601, or +64 4 803 1646 if you’re calling from overseas.

  • Mon – Fri: 8am – 6pm
Compare borrowing options

If you need funds to start your business, expand, boost working capital, or just tide you over, we've got credit card and lending options to suit, including business term loans, business overdrafts, asset finance and property finance.

Hitting reset on variable business loan and overdraft rates

It’s been a tough few months for New Zealand business and New Zealanders, and there’s still a long way to go in our recovery. That’s why we've reset our variable priced business loans and overdraft rates by reducing them by 1.00% p.a. This means you'll now have all the flexibility of a variable rate at a significantly lower cost than ever before.

Find out more

Find the right borrowing options for your business

Overdraft

Business overdraft

A flexible financial buffer for your business.

  • Variable interest rate
  • Lending is unsecured
  • Pay if off and re-use it whenever you like
  • If you're a Xero or MYOB AccountRight customer, you may be able to apply online.
Find out more
Business term loan

Revolving credit loan

Manage your cash flow with a business term loan.

  • Our most flexible term loan, with no fixed repayment periods
  • Revolving loan facility
  • Secured against business or personal assets
  • Rates will depend on the security you can offer.
Find out more
Business term loan

Fixed rate loan

Manage your cash flow with a business term loan.

  • Lock in an interest rate from six months to five years
  • If interest rates rise during the term of your fixed loan, you won't be affected
  • Secured against business or personal assets
  • If you're a Xero or MYOB AccountRight customer, you may be able to apply online
  • Rates will depend on the security you can offer.
Find out more
Business term loan

Variable rate

Manage your cash flow with a term business loan.

  • Flexibility to make extra payments or increase your regular payments
  • If rates fall, you'll pay less interest
  • Secured against business or personal assets
  • If you're a Xero or MYOB AccountRight customer, you may be able to apply online
  • Rates will depend on the security you can offer.
Find out more
Credit card

Business Mastercard®

A simple way to pay for business expenses.

  • Have multiple cardholders and assign them each limits
  • Up to 55 interest free days on purchases
  • Statements will break down who spent what
  • If you're a Xero or MYOB AccountRight customer, you may be able to apply online
  • One of the most competitive interest rates available to businesses.
Find out more
Finance

Property Finance

Funding for property developers or investors.

  • Suitable if you're not an owner-occupier
  • Property development funding of more than $2 million
  • Property investment funding of more than $2 million.
Find out more
Compare borrowing options

COVID-19 support

If your business has been impacted by COVID-19 and you’re looking for lending to help keep you afloat, take a look at the COVID-19 support options that may be available.

Kiwibank options

See what support might be available for your business through the Kiwibank COVID-19 Relief & Resilience programme.

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Business Finance Guarantee Scheme

We’re making new lending available to small and medium businesses through the government’s Business Finance Guarantee Scheme.

Find out more

Talk to us

If you want to talk through your business borrowing options, get in touch with our business banking team.

Talk to us

Find a business banking expert

Find a business banking expert in your area. Request a call back, or call them directly.

Find a business banker

Call us

Call our business banking team on 0800 601 601, or +64 4 803 1646 if you’re calling from overseas.

  • Mon – Fri: 8am – 6pm

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Mastercard is a registered trade mark of Mastercard International Incorporated. Kiwibank's lending criteria, terms and conditions, and fees apply.