Agribusiness and rural specialists

Our Agribusiness team has experience across dairy, drystock, bloodstock, viticulture, horticulture and cropping. They have strong connections to farming communities around New Zealand, and have worked on farms, or still do.

Whether you’re looking to implement leading sustainability practices or to ensure you meet your environmental obligations, our Agribusiness and Natural Capital team can help you plan for the future.

Our Corporate Agri team understands the demands of large-scale agribusinesses, and our Value Chain team provides support to vertically integrated businesses within the primary industry.

A Customised Average Rate Loan (CARL) is tailored specifically to agribusinesses. This customised portfolio loan can help you manage risk, plus you’ll have access to the expert advice of our markets specialists.

You can apply for up to 100% funding for new or used equipment for your business, and customise your repayments and term of your loan to meet your cashflow needs.

An overdraft is a revolving credit facility that’s attached to your transaction account so it’s there when you need it. There’s no fixed term, you’ll pay interest only on the debit balance, and you can make lump sum repayments anytime.

Our transaction accounts can help you manage cash flow and everyday banking 24/7. While our savings accounts let you earn interest on every dollar you put aside now, to help fund unexpected events or seasonal lulls in the future.

Pay for things your agribusiness needs in store, app, and online with a BNZ business credit or debit card. Use your phone to make payments by adding your eligible cards to Apple Pay or Google Pay™ via the BNZ Business App.^

Whether you’re in the office, on the farm, or on the road, managing your business banking is easier with Internet Banking for Business and our BNZ Business app.

Free use of our nationwide network of 33 Partners Centres. Equipped with large boardrooms, interactive presentation equipment, private spaces for confidential discussions and complimentary wi-fi, phone and video conferencing facilities.

Figured is an online farm budgeting software that helps farmers manage their business finances. BNZ Agribusiness Partners can use Figured to track and view their customers’ financial performance in real-time, enabling our team to quickly evaluate and respond to lending requests. 

If you’re a Farmside rural broadband customer, you won’t be charged for data when using BNZ online banking. Plus if you use Figured, the farm accounting software, you’ll also get zero-rated data when accessing it online. To find out more about becoming a Farmside customer, contact them on 0800 327 674.

Use our calculators to help work out your loan repayments, or calculate profit increase. Or download a template to help forecast cash flow, write a business plan, or track your costs.

Our fact sheets are designed to help you better understand the effects of environmental regulations and climate change on NZ agribusiness operations.

1. Greenhouse Gas reduction targets (PDF 345KB)
2. How the Emissions Trading Scheme works (PDF 380KB)
3. The Essential Freshwater package — managing your obligations to improve water quality (PDF 266KB)
4. Getting to know and manage on-farm Greenhouse Gas (GHG) Emissions (PDF 286KB)
5. Farm Environment Plans: a key planning tool for your agribusiness (PDF 360KB)
6. Understanding the value of farm dairy effluent (PDF 134KB)

Read our reports and Business Moments articles to get a better understanding of key factors influencing financial sustainability.

• Shift Happens (PDF 4MB)
• Tips for farm budgeting and planning
• Setting up your agribusiness for long term sustainability and success