Business loans

We've got variable, fixed term or revolving credit business loan options, whether you're starting out, expanding, or need some funds to tide you over. This is business lending made easy.
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Sustainable business loans now available

Our sustainable business loans, with preferential interest rates, are now available to business banking customers.

In addition, we've partnered with sustainability fintech Cogo to enable qualifying businesses to easily calculate their carbon emissions, and help measure the success of their sustainability initiatives through the Cogo Business Carbon Manager app.

Key features & benefits

  • Options for fixed or variable interest rates.

  • Flexible repayment options.

  • Terms from six months to five years (and sometimes longer).

  • Secured against business or personal assets.

  • Get a quick decision if you've got a Xero or MYOB AccountRight Live subscription using our Fast Capital application.

Business lending options

Rates & fees

Interest rates

Interest rates will vary, depending on your circumstances. Talk to a business lending 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.


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.

Apply for a business loan

Get a decision within minutes using our Fast Capital application by linking your Xero or MYOB AccountRight Live data. Or talk to a business banking specialist who can talk through your options.

Have a Xero or MYOB account?

If you're a director of a New Zealand registered company with Xero or MYOB AccountRight Live data - applying will be quick.

Apply now

Talk 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 us

Call us

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

We're available Monday to Friday: 8am – 5pm.

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