Tailor a term loan to suit your needs

Our Business First term loan lets you lock in an interest rate up to 60 days in advance,^ select your interest rate and term, and select a repayment period to suit your cash flow. Talk to us about your options or apply online.

Design your loan to suit your business

Terms and rates

Select from a range of short, medium and long-term fixed interest rates. Our 90-day fixed rate lets you repay some or all of the loan at any time with no extra cost^.

Choice of security

Secure your loan with a residential property or other assets. The security you offer may affect the interest rate applied.

Multiple loans

Establish as many loans as you need, each with a specific purpose, to make your accounting easier.

Apply online for a term loan

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

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.

Rates and fees

Our interest rates are tailored to suit your business and its borrowing needs. Rates are subject to BNZ’s lending criteria and terms and conditions, and will also depend on a number of other factors such as the term of your loan and the amount you wish to borrow.

See our 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