Business borrowing with Fast Capital

Fast Capital is transforming the way businesses access funding with a quick online application and instant decisions. Empowering you to grow, expand, or safeguard your business with confidence.
Worker

Fast-track your business borrowing

  • Apply online to get a decision within minutes and quickly know where you stand.

  • Securely integrate with Xero and MYOB to pull your financial data, so there's no need for a manual upload.

  • Choose the amount you need and borrow between $5,000 and $1m.

  • Apply for a business loan, overdraft, credit card, or asset finance - borrowing solutions tailored to meet your business needs.

How it works

  • Apply for $5,000 to $1m

    Secure funds to expand, boost working capital, or just tide you over. Fast Capital is designed to take the admin out of borrowing so you can focus on your business.

  • Real-time decision

    Within a few minutes we'll let you know if your application has been approved. If you're approved or we need more information to assess your application, we'll be in touch to discuss next steps.

  • Xero & MYOB integration

    Fast Capital is powered by an easy-to-use Xero or MYOB Business (Lite, Pro and AccountRight) integration which shares your summarised financial information with us.

  • A range of borrowing options

    If your application is approved, we'll contact you to discuss what product or product mix will best suit your business needs. This could be a business loan, overdraft, credit card or asset finance.

  • Quick online application

    It takes less than 10 minutes to apply. Simply complete a short form and log in to your Xero or MYOB Business (Lite, Pro or AccountRight) account. Your business' financial data will be used to assess your application.

  • Eligibility

    You'll need to be a director of a New Zealand registered limited company, use Xero or MYOB Business (Lite, Pro or AccountRight), plus have logins and user permissions to share your data with us. See full eligibility details below.

Eligibility

To apply with Fast Capital, you'll need to meet the following eligibility criteria:

New Zealand registered
  • To apply for borrowing you need to be a New Zealand registered limited company.

A company director
  • You need to be a director of the company you're applying for.

Xero or MYOB access
  • Your business will need to use a Xero or MYOB Business (Lite, Pro or AccountRight) account.
  • Your Xero or MYOB Business (Lite, Pro or AccountRight) account will need to have at least 12 months of up-to-date, accurate financial data.
  • You'll need the login details to your Xero or MYOB Business (Lite, Pro or AccountRight) account.
  • You need to have the required permissions on Xero (Standard or Advisor) or MYOB (Standard Administrator or Owner).

Frequently asked questions

Who can apply with Fast Capital?

Directors of New Zealand registered limited businesses can apply with Fast Capital. Sole traders, partnerships and trusts aren't eligible.

Your business doesn't need to bank with Kiwibank to apply. If your application is approved, we'll help you to join quickly so you can access your approved funds.

For other business borrowing enquiries, contact our Business Banking Specialists.

I just applied, what happens next?

After you apply, our system performs detailed calculations using your Xero or MYOB Business (Lite, Pro or AccountRight) data and makes a borrowing decision. You'll receive an email with the decision within five minutes of applying. If your application is successful or we need more information, we'll be in touch to discuss next steps.

How will you store my data, and how long will you keep it for?

During the application process you'll be required to log in to your Xero or MYOB Business (Lite, Pro or AccountRight) account, where you'll authorise us to see your summarised financial data. It's important this information is accurate and current. We'll also assess your credit history to make our decision about your application.

Your financial information will be used and stored in accordance with our privacy policy.

After you’ve completed the application, you can manually revoke our access to your accounting software within your MYOB settings or Xero settings.

What product am I applying for?

We'll chat to you about what product or product mix will best suit your business needs. This could be a business loan, business overdraft, business credit card or asset finance. We'll then aim to give you access to your borrowing within a few business days, however it may be longer if you're new to Kiwibank.

Apply with Fast Capital

If you meet the eligibility criteria and have your Xero or MYOB login details handy, your application should take no more than 10 minutes. You'll get a decision in less than five minutes.

Have a Xero or MYOB account?

If you're a director of a New Zealand registered company with Xero or MYOB Business (Lite, Pro or AccountRight) financial data you can apply online through Fast Capital.

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 4 460 9290 if you’re calling from overseas.

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

Call 0800 601 601

Kiwibank's eligibility criteria, lending criteria, terms and conditions, and fees apply.