Fast online lending for your business

QuickBiz is a fast and easy way to apply online for a business loan or overdraft, without needing to provide additional security.

Application delays due to COVID-19

We’re experiencing a significant increase in applications and enquiries due to COVID-19, which means we may not be able to get back to you within the usual timeframes. Please bear with us and we’ll get back to you as soon as we possibly can.

QuickBiz at a glance

Borrow between $5,000 and $100,000 to help with funding business growth or freeing up cash flow.

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We’ll get in touch within the next business day with a decision or to discuss next steps, and if approved, you could get quick access to funds.

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Apply online anytime. Spend more time on ways to grow your business, and less on how you’re going to fund it.

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Apply through QuickBiz for a competitive fixed rate^ and no upfront fees.


To apply, you must be acting on behalf of a business in one of the following roles:

  • sole trader
  • partner in a partnership
  • a director of a company.

You need to be at least 18 years of age, a permanent New Zealand resident, and able to supply 12 months of reconciled business financial data.

You don’t need to have an existing business account with us to apply^. We’ll discuss options with you once you apply. 

How it works

Step 1. Gather your financial data

Get all your financial data together and have them handy before you apply.

Step 2. Apply online anytime

Complete the application anytime online, at a time that suits you.

Step 3. Upload your financials

Upload the relevant financial reports in PDF format. Maximum size 5MB.

Step 4. Receive a call back

We’ll be in touch within the next business day to discuss next steps. 

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Financial information you’ll need

We’ll ask you to upload the following documents in PDF format covering the last full 12 months*:

  • income statement  
  • balance sheet  
  • reconciled transaction history from your business trading account.

Find out more about the required financial documents.

*If you’re an existing BNZ customer with total lending of $50,000 or less, this may not be necessary. 


Choose a lending option

Apply online through QuickBiz for a business loan or overdraft.

Term loan

A term loan^ lets you lock in an interest rate for a set period of time and enjoy the certainty of fixed repayments. Choose a repayment period to suit your cash flow – weekly, fortnightly or monthly.


An overdraft^ is a revolving credit facility attached to your transaction account (if you don’t have a BNZ account, we can help you set one up). You’ll only pay interest on the portion you use.