Turning ambition into action
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Unlock funding as you hit key milestones, keeping momentum on your side.
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Support to reduce early‑stage costs so you can focus on developing your business, including two years of waived Business Edge monthly fees and discounted international payments via internet banking.
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Manage cashflow smoothly with payment solutions built for growing businesses, including setup fees waived for your first device on QuickPay and QuickPay+.
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Get practical guidance from dedicated specialists who understand early‑stage businesses.
How it works
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Who StartUp+ is for
StartUp+ is designed for ambitious, innovation‑led businesses in their early growth stage.
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What StartUp+ includes
Banking support built for early‑stage businesses, with flexible funding, specialist guidance, and preferential pricing across your core needs: from discounted transactional accounts and stronger deposit rates to lower‑cost merchant solutions and preferential lending terms that ease early‑growth pressure.
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How StartUp+ funding works
This is progress‑based lending designed around startups’ needs. Access up to $150,000 initially without putting personal assets on the line, giving your business breathing room in the early stages. As you grow and reach key milestones, you can unlock further funding to support your next phase.
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Support & guidance for startups
Work with our dedicated StartUp+ team that provides personalised support, with access to specialist business banking experts to help your business thrive as you grow.
Eligibility at a glance
We consider a range of factors to understand whether StartUp+ is right for your business. You're likely to be a good fit for StartUp+ if you're:
- An early‑stage, or growth‑stage business: developing an innovative, scalable product or service that addresses a clearly defined customer problem.
- A business that has been trading with end customers for less than 24 months. Or, if trading longer, is still early in commercial scale, pre‑revenue, or transitioning from validation into commercialisation.
- A registered entity with a strong New Zealand presence.
- Needing up to $150,000 per tranche of lending to take your next step toward a specific milestone or growth phase.
- Engaged in the startup ecosystem through participation in or completion of a verified accelerator or incubator programme - or, prior founder experience in scaling a business.
- A business that has evidence of market validation, such as paying customers, recurring revenue, customer growth, market testing, pilot programmes, or other demonstrated demand for its product or service.
Meet the startups we're backing
Capture The Bug
Helping businesses stay secure through dynamic application testing.
Delightable
Transforming how beauty brands connect with customers through intelligent, personalised shopping experiences.
Eat Choice
Making dining safer, simpler and more accessible for hospitality businesses and their customers.
Enquire about StartUp+
Submit an expression of interest
Before getting in touch, review the 'Eligibility at a glance' information to see if StartUp+ might be right for your business.
Get startedNot quite the right fit?
We support businesses at every stage. Get in touch with our Business Banking team at business.banking@kiwibank.co.nz to explore how we can help.
Find a business banking specialist
Find a business banking specialist in your area. Request a call back, or call them directly.
Find a business bankerKiwibank's eligibility criteria, lending criteria, terms and conditions, and fees apply.