Longer interest-only periods
This gives you space to implement and embed the changes in your business.
Productivity Finance
Scaling up often means investing before the results show up in your bottom line. Productivity Finance can support your business, structuring finance over the time it takes to see those productivity improvements.
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What Productivity Finance is for
Productivity Finance is designed to support the full productivity journey – from planning and implementation, to embedding and measuring results. It can help with:
- purchasing new plants and equipment
- implementing new operating systems and software
- improving processes or efficiency
- training staff or hiring external expertise
- allowing time to embed and benefit from new ways of working.
How it works
We fund your investment as a complete package – including equipment, systems, people, and processes. We call this the ‘Productivity Uplift Period’, and we work with you to determine how long you require. Once this period ends and the benefits are being realised, we adjust the repayment structures to match your improved cash flow position.
Tailored repayment terms
We match your repayments to when productivity gains begin to flow through.
Reduced cash flow pressure
Less stress about cash flow means your business can focus on scaling up.
Is it right for you?
Productivity Finance is open to any industry where investment will lead to improved productivity outcomes.
Business size
- Typically suited to medium enterprises with $5-50 million turnover
- Exceptions can be considered on a case-by-case basis
Loan size
- Minimum: $500,000
- Maximum: No fixed limit
Loan structure
- Interest-only payments and reduced servicing requirements during the productivity uplift period
- Principal plus interest repayments based on forecasted returns once productivity gains are realised
Before you get started
Gather information
We’ll need to see:
- up to date business financial statements
- forecasts showing expected uplift from the planned investment
- evidence or information about the specific activities being undertaken to lift productivity.
Get independent advice
We recommend engaging with independent specialists who can:
- help define your productivity goals
- provide data or modelling to support your forecasts
- support implementation and measurement of outcomes.
Talk to us about Productivity Finance
Leave a few details and we’ll be in touch to chat about your options.
If you’re already a BNZ customer, contact your business banker to get started.
Eligibility and lending criteria, terms and conditions, and fees apply.
This page is solely for information purposes. It’s not financial or other professional advice. For help, please contact BNZ or your professional adviser. No party, including BNZ, is liable for direct or indirect loss or damage resulting from the content of this page.
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