Small Business Loans

Smart funding for small business.

Do you have a small business that needs help with cash flow or upgrading your equipment. Or are you looking to buy an existing business? We have business loans or revolving credit facilities that could work for you.

Get started with our 3 minute application

I would like to borrow:


In the last 12 months, we've provided small businesses loans for...

Working capital for a florist
A new truck engine
Stock for a small supermarket
Buying a café
An office facelift
And much more

What can we do for you?

From cash flow funding and business debt consolidation to purchasing new assets or acquiring another business, we can help with all kinds of small business finance needs. We offer both term and revolving facilities.

A quick decision

Applying online is easy and we’ll get back to you quickly with an answer. If approved, the money can be in your account in just a few days, so you can get on with your plans quick smart.

Borrow up to $250,000

How much small business finance do you need? You can apply for an unsecured business loan or revolving credit facility up to $75,000 or a partially-secured business loan up to $250,000.

Advice from the specialists

Our business lending specialists are ready with knowledge and advice to help you find a solution that works for your business.

Why choose Heartland?

At Heartland we work with small businesses every day. We understand that it isn’t always easy to get a loan for purchasing an existing business or improving the business you’ve already got, which is why we may not require security for loans up to $75,000.


businesses funded, and counting

$ 25 million

made available to small businesses

25 years

experience managing Kiwis' money

Learn more about Heartland Bank

What our customers say

What our customers say

“The whole process was pleasant and convenient. A key point of difference was that it didn’t need to be secured against a property. In my experience, versatility, simplicity and customer experience are of utmost importance – it’s great to work with a bank that seems to hold those same values.”

Amber Fowler

Just the Ticket Limited
Open for Business customer

Heartland Bank Just the Ticket Customer Testimonial

Get started with our 3 minute application.

I would like to borrow:


Questions? We have answers

Interest rates vary between 10% to 16.5% (p.a.) depending on a range of factors. Once you have completed the online application our lending specialists will discuss interest rates and repayments with you.

1. In general we will request business financials (if available) and 3 months of business bank statements.

2. We need to be able to establish a debt servicing position and interest rates vary from 9.5% to 16% (p.a.) depending on your credit score and the serviceability of the loan.

Unsecured loans have a max term of 60 months. However this is dependent on meeting our lending criteria. Secured loans have a max term of 5 years but can go up to 7 years in certain circumstances.
The rate is dependent on (1) the credit score of the borrower and any guarantors, (2) servicing position of the loan, (3) the purpose of the loan (e.g. working capital or an asset purchase).
Of course! Though it’s worth noting that if you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements.
Every start-up will have unique requirements which means we need to take into account the different circumstances of every application. Please give us a call to discuss your loan as you won’t be able to get an automated decision.
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
The online application takes around 3 minutes to complete.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $75,000.
We have to show that the application is affordable and that the business can make the repayments for the loan you are applying for. If you are purchasing a business we will look into the business performance as well as any external income you or any guarantors may be earning.
If you are purchasing a new start-up franchise, we will in most cases require external income from your either yourself or a guarantor. If you are taking over an existing franchise then we will assess the financials of the business that you are buying. If you can show the repayments are affordable based on the current financials of the business then we may not require external income.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.
If you are purchasing an existing business we will ask for the financials of the business being bought, a business plan, cash flow projections and 3 months of personal bank statements.

Prefer to talk directly to one of our business specialists?

Chat with Heartland

Chat online

with one of our team

Lending criteria, terms, conditions and fees apply.