Funding that works for your business
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Fixed or variable interest rate options.
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Flexible repayment options
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Terms from six months to five years, and sometimes longer.
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Secured against business or personal assets, depending on your circumstances.
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Eligible Xero and MYOB Business (Lite, Pro or AccountRight) customers can access a faster application process through Fast Capital.
Rates & fees
Interest rates |
Interest rates will vary, depending on your circumstances. Talk to a business banking specialist to discuss what rates will apply. |
Application fee |
When you apply for a new or increased loan or overdraft, suited to your business and its borrowing needs. Minimum fee $25 for loans and $75 for overdrafts. |
Early exit fee |
When your loan is repayable over more than three years and you fully repay the loan within three years from the date you first drawdown your loan. $250. |
Fixed rate break cost |
When you repay your entire fixed rate loan early or make an additional payment which, together with any other additional payments you’ve made, exceeds our early repayment limit or if you switch your fixed rate loan to a variable rate loan or other fixed rate. The amount of the costs varies depending on the current interest rates and how long the loan has left to run. |
Find the right loan for your business
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Sustainable business loans
Invest in approved sustainability projects and benefit from a preferential interest rate to help your business achieve positive environmental outcomes.
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Fixed rate loans
Lock in your interest rate for an agreed term, giving you greater certainty over repayments and budgeting. You can repay your loan early, but fixed rate break costs may apply.
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Table loans
Make consistent repayments over the term of your loan, helping you plan and budget. Initially, more of each repayment covers interest, with more going towards the principal over time.
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Variable rate loans
Adapt repayments to suit your cashflow, make additional or lump-sum payments when you can, and switch all or part of your loan to a fixed rate if your needs change.
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Interest-only loans
Reduce repayments for an agreed period while establishing or investing in your business. Your repayments cover interest only, so the loan principal will still need to be repaid or renegotiated at the end of the interest only period.
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Revolving credit loans
Access funds when you need them and make repayments when it suits your business. With no fixed repayment periods, a revolving credit loan provides flexibility to manage changing cashflow needs.
Apply for a business loan
Have a Xero or MYOB account?
If you're a director of a New Zealand registered company and use Xero or MYOB Business (Lite, Pro or AccountRight), you may be able to apply online and get a decision in minutes.
Apply nowTalk to a business banking specialist
Talk to one of our business banking specialists. They’ll let you know what you need to do and what your options are.
Talk to usOther borrowing options you may be interested in
Kiwibank's eligibility criteria, lending criteria, terms and conditions, and fees apply.
Revolving credit loan accounts with positive balances are protected under the Depositor Compensation Scheme.