Loans and finance for all your business needs
Get extra funds to finance your business growth or to help free up cash flow. Talk to us about your options or apply online for a business loan or overdraft of up to $100,000, credit card with a limit of up to $50,000, or asset finance loan from $5,000.
Flexible finance for businesses of all sizes
Our term loans let you select your interest rate and term, and a repayment period to suit your cash flow.
There’s no fixed term, pay interest on the debit balance only, and make lump sum repayments anytime.
Apply for up to 100% funding for new or used equipment, and customise your loan to suit your business.
Our credit cards give you a flexible and secure way to help pay for your everyday business expenses.
Save time and apply for finance online
It’s fast and easy to apply online for a business loan ^ or overdraft ^ of up to $100,000, or credit card ^ with a limit of up to $50,000, or asset finance loan from $5,000, to finance your business growth.
We’ll get in touch within two business days with a decision or to discuss next steps, and if approved, you could get quick access to funds.
Lending for medium and large businesses
Customised Average Rate Loan
Get a tailored solution just for your business and help manage your risk with this customisable portfolio loan.
Committed Cash Advance Facility
A flexible facility that lets you draw down term loans, up to your agreed limit, whenever it suits your business cash flow.
Revolving credit facility
CreditPlus is a revolving credit facility on hand to help with purchasing capital equipment or funding your business.
Finance for property investors and developers
A BNZ Property Specialist can help you select finance that suits your investment strategy, and payment structures that meet your development’s needs.
Rates and fees
Interest rates for business vary depending on which account or product you have. See rates and fees