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

Term loans

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.

Asset finance

Apply for up to 100% funding for new or used equipment, and customise your loan to suit your business.

Credit cards

Our credit cards give you a flexible and secure way to help pay for your everyday business expenses. 

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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.


Find out more

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 solutions for BNZ Partners

Invoice finance

Maximise your cash flow with funding that lets you access up to 80% of the value of your credit sales invoices.

Trade finance

Improve cash flow and manage trading risks with expertise and finance for importers and exporters.

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

Loans and finance help and support

If you have any questions, or would like more information, email us or call:

Medium to large business: 0800 273 916

Small and start-up business: 0800 269 763