Term loans
Our term loans let you select your interest rate and term, and a repayment period to suit your cash flow.
Loans and finance for all your business needs
Get extra funds to finance your business growth or to help free up cash flow. Talk to us about your options or apply online for a business loan or overdraft of up to $100,000, credit card with a limit of up to $50,000, or asset finance loan from $5,000.
{"type":"full","heading":"Loans and finance for all your business needs","bodyText":"<p>Get extra funds to finance your business growth or to help free up cash flow. Talk to us about your options or apply online for a business loan or overdraft of up to $100,000, credit card with a limit of up to $50,000, or asset finance loan from $5,000.<\/p>","actionLinkHref":"\/business-banking\/loans-and-finance\/business-online-lending?link=headercta","actionLinkLabel":"Apply online","supportingLinkHref":"\/business-banking\/loans-and-finance\/apply-for-a-business-loan","supportingLinkLabel":"Enquire about a business loan","theme":"boxed","heroImage":{"height":1000,"position":{"x":"50%","y":"50%"},"title":"loans and finance page header woman on phone","url":"\/assets\/bnz\/business-banking\/loans-and-finance\/loans-and-finance-page-header-woman-on-phone.jpg?98eeec4fe5c84d7fb78654370a1db05c92e9b714","width":1840},"heroImage2x":{"height":2000,"position":{"x":"50%","y":"50%"},"title":"loans and finance page header woman on phone 2x","url":"\/assets\/bnz\/business-banking\/loans-and-finance\/loans-and-finance-page-header-woman-on-phone-2x.jpg?e96612a8e21e6328f67536d005e33cf126984c74","width":3680},"smallHeroImage":{"height":300,"position":{"x":"50%","y":"50%"},"title":"loans and finance page header woman on phone mobile","url":"\/assets\/bnz\/business-banking\/loans-and-finance\/loans-and-finance-page-header-woman-on-phone-mobile.jpg?9b68033903e6a260ce9b6d9595ae2374aa1436aa","width":563},"smallHeroImage2x":{"height":600,"position":{"x":"50%","y":"50%"},"title":"loans and finance page header woman on phone mobile 2x","url":"\/assets\/bnz\/business-banking\/loans-and-finance\/loans-and-finance-page-header-woman-on-phone-mobile-2x.jpg?044e63803848c950736d828f0eebd3b57ffe60d5","width":1125}}
Flexible finance for businesses of all sizes
More about term loans
Overdrafts
There’s no fixed term, pay interest on the debit balance only, and make lump sum repayments anytime.
Asset finance
Apply for up to 100% funding for new or used equipment, and customise your loan to suit your business.
Apply for finance online through QuickBiz
It’s simple to apply online for a business loan^ or overdraft^ of up to $100,000, or credit card^ with a limit of up to $50,000, or asset finance loan from $5,000, to finance your business growth.
We’ll get in touch within two business days with a decision or to discuss next steps, and if approved, you could get quick access to funds.
Green Business Loans
Help fund renewable energy, zero or low emission transport, agribusiness or sustainable projects with our Green Business Loan.
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. You may be able to borrow up to $50,000.
Lending for medium and large businesses
Customised Average Rate Loan
Get a tailored solution just for your business and help manage your risk with this customisable portfolio loan.
Committed cash advance facility
A flexible facility that lets you draw down term loans, up to your agreed limit, whenever it suits your business cash flow.
Revolving credit facility
CreditPlus is a revolving credit facility on hand to help with purchasing capital equipment or funding your business.
Finance for property investors and developers
A BNZ Property Specialist can help you select finance that suits your investment strategy, and payment structures that meet your development’s needs.
Loans and finance help and support
If you have any questions, or would like more information, send us a message.
Small and start-up businesses can also call 0800 269 763
Lending criteria, terms and conditions and fees apply. See product pages for details.
Was this page helpful?