Apply for Fast Capital using Xero

If you're a director of a New Zealand registered company with a Xero account you can apply for a business overdraft, business loan or business credit card more easily using Fast Capital.

How it works


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 a Xero account and have up to date financial history for us to assess your application
  • be a Xero Standard or Advisor user role to apply.

Apply for Fast Capital using Xero

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

Frequently asked questions

I just applied, what happens next?

After you apply, our system performs detailed calculations using your Xero data and makes a lending decision. You'll receive an email with the decision within five minutes of applying. If your application is successful, we'll be in touch to discuss the next steps.

How long will you keep my data for?

Your Xero information will only be used for the purpose of the application. We’ll store your data in accordance with our privacy policy. We’ll have access to your Xero account until you manually revoke access in your Xero settings.

Read more in our privacy policy and website terms.

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 or business credit card. 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.

Where and how will my data be stored?

You'll find more information about how we store your data in our privacy policy.

How can I control the information I've provided Kiwibank?

During the application process you'll be required to log in to your Xero account, where you'll authorise and allow us to see your company's financial data. We'll assess profit and loss information and invoice data so make sure the data is accurate and up-to-date. We'll also assess your credit history to make our decision about your application.

After you’ve completed the application, you can manually revoke our access to your Xero data within your Xero settings. We’ll store your data in accordance with our privacy policy.