Merchant Flexi Loans

We’ve designed the Merchant Flexi Loan to help small business merchants. Repayments are flexible and adjust with your business sales. This gives you more control over your cash flow.

We’re not currently taking new applications for the Merchant Flexi Loan.

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Business benefits of the loan

Fast access to funds

Once we receive your loan documentation, you’ll be able to access funds within two business days.

No assets for security

You don’t need to provide your property, equipment, or other assets as new security.

Single fixed fee

There are no interest payments or extra charges, only one flat fee included as part of your loan.^

Features of the loan

If you have a BNZ merchant facility with 12 months of settlement history, you may be able to borrow up to $50,000.
You choose the repayment percentage, which can range from 10% to 30% of your daily settled card sales.
We deduct repayments from your daily settled card sales, so you have more control of your cash flow.

The application process

We’ll use card sales from your BNZ settlement account over the past 12 months to calculate how much you can borrow. This means you won’t need to provide us with financial information.^

The loan application process will be online. You’ll be able to view your sales data and use our loan calculator to customise your loan. You’ll receive an outcome within two minutes of confirming your details.