Invoice finance

Get online access to funds from the moment you invoice and maintain confidential control of your debtor relationships.

Keep your cash flowing and business growing

Funding equivalent to 80% of your unpaid invoices

Invoice Finance lets you access up to 80% of the face value of your BNZ approved invoices. Your invoices form the security, so there’s no need to rely on traditional forms of security, such as your property.^

Access funds anywhere, anytime

With Internet Banking for Business, you can access funds immediately from anywhere in the world, so you don’t have to be in the office.^^

Grow your business when you want to

Invoice Finance means you're able to leverage your unpaid invoices to fund acquisition, expansion or effect a management buy-in or buy-out.

See how Invoice Finance works

Start your application

By providing a few details, we'll be able to put you in touch with an expert who can help you with your business' needs.

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Small Print

To use Invoice Finance, your annual credit sales need to be in excess of $2,000,000 p.a. The minimum finance amount is $200,000.

  1. Subject to the terms and conditions of the Facility Agreement. Lending criteria, establishment and purchasing fees apply.

  2. Internet Banking for Business terms and conditions apply.

  3. Maintenance is required from time to time.

The information and recommendations on bnz.co.nz are provided for general information purposes only. To the extent that any such information or recommendations constitute financial advice, they do not take into account any person’s particular financial situation or goals. We recommend that you seek advice specific to your circumstances from your financial adviser.