Apply for Fast Capital using Xero

If you're the director of a New Zealand registered company with a Xero account you can apply for a business overdraft, business loan or business credit card and get a quick decision using Fast Capital. No need to provide documentation - it's all done seamlessly online.

How it works

  • Online application

    If your New Zealand registered company has at least two years of accounting financial history with Xero, then applying online will only take you a few minutes.

  • Borrowing limit

    Apply to borrow up to $100,000 and your business can decide how best to use the approved limit. This could be as a business loan, business overdraft or business credit card.

  • Access to your data

    During the application process you'll be required to log in to your Xero account to allow us to see the past two years of your company's financial data. We'll assess your balance sheet, profit and loss information, invoice data and then we'll also assess your credit history to enable us to make a decision about your application.

  • Interest rates

    Depending on what borrowing you decide on, we'll discuss the options and rates with you.

  • Your Xero information

    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.

  • Once approved

    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 give you an idea of when you'll be able to access your borrowing.

Eligibility

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 at least two years of 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.

Apply now

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.