Fast Capital

Fast Capital is a quick and easy application process to get a fast decision on working capital or borrowing for your business - without all the paperwork.

Watch how Fast Capital could help your business

Benefits at a glance

  1. Quick online approval

    Once you've completed our short online application, you'll receive a decision within five minutes. We'll then be in touch to discuss the next steps.

  2. Integrated

    The application process is integrated with either your Xero or MYOB AccountRight subscription, meaning you won't need to supply additional documentation and allows for a quick decision.

  3. Borrowing options

    We'll help you choose the borrowing that best suits your business - either a business loan, business overdraft or a business credit card.


You can be new to Kiwibank or an existing Kiwibank customer. You'll also need to:

  • be a director of a New Zealand registered limited company (i.e. not a sole trader)
  • have either a Xero or MYOB AccountRight subscription and have at least two years of financial history for us to assess your application,
  • have the Xero Standard or Advisor user role, or MYOB Standard Administrator or Owner role to apply.

How it works

Integration with accounting software

You'll need to ensure your company data is up-to-date, accurate and complete.

Borrowing options available through Fast Capital

Apply through Fast Capital

It should only take you a couple of minutes to complete and you'll get a decision in less than five minutes.

Have a Xero or MYOB account?

If you're the director of a New Zealand registered company with two years of Xero or MYOB AccountRight 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