Business borrowing with Fast Capital

Fast Capital makes applying for business funding fast and simple, with a quick online application and instant decisions, so you can focus on running and growing your business.
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Fast-track your business borrowing

  • Get clarity faster with an online application and a decision within minutes.

  • Save time on your application by securely connecting Xero or MYOB instead of manually uploading financial information.

  • Choose a funding amount that fits your business with borrowing from $5,000 to $1m.

  • Choose the right type of funding for your business with options including loans, overdrafts, credit cards and asset finance.

How it works

  • Check you're eligible

    You'll need to be a director of a New Zealand registered limited company and use Xero or MYOB Business (Lite, Pro or AccountRight). See full eligibility details below.

  • Complete a quick online application

    Apply in less than 10 minutes by completing a short form and logging in to your Xero or MYOB Business account.

  • Connect your accounting software

    Securely share your summarised financial information with us through Xero or MYOB Business (Lite, Pro or AccountRight) to help us assess your application.

  • Get a decision within minutes

    We'll let you know if your application has been approved or if we need more information to assess it.

Eligibility

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

New Zealand registered company
  • Your business must be a New Zealand registered limited company.

Company director
  • You must be a director of the company applying for funding.

Xero or MYOB requirements
  • Your business needs to use Xero or MYOB Business (Lite, Pro or AccountRight).
  • Your account needs to contain at least 12 months of up-to-date financial data.
  • You'll need your login details and the required user permissions to securely share your financial information with us.
    • Xero: Standard or Advisor permissions.
    • MYOB: Standard Administrator or Owner permissions.

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.