Term loans
Expand production or services with a term loan. Select your interest rate and term, and a repayment period to suit your cash flow.
Business loans and finance
Get extra funds to finance your business growth or to help free up cash flow. Talk to us about your options or apply online.
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Growth and business investment
Take the leap to grow your business. Our lending solutions can help you invest in equipment, expand your premises, or fund long-term growth.
More about term loans
Equipment and vehicle purchases
Buy new or used vehicles, tools, or equipment with asset finance. You can customise your loan to suit your business.
Commercial property loans
Find the right finance to suit your investment strategy, and payment structures that meet your development’s needs.
Cash flow and day-to-day operations
Keep your business running smoothly with these lending options.
Overdrafts
If you’re regularly paying bills or have unexpected expenses, an overdraft may suit you. It’s a convenient, cost-effective revolving credit facility.
Credit cards
Pay for travel, supplies, and everyday expenses. We’ve got a range of credit card options to suit your business needs.
Invoice finance
Cover any gaps and access funds when you’re waiting for payments with our invoice finance solution, CashFlow Plus.
Tailored lending for large businesses
Lending solutions for large or complex businesses looking for flexibility and control.
Customised Average Rate Loan
A tailored solution that’s designed to offer flexibility and convenience to manage your funding needs and interest rate risk.
CARL is designed for businesses seeking greater protection or participation in interest rate movements, with total lending more than $1 million.
Committed cash advance facility
A flexible loan where you can draw down multiple short term loans, up to your facility limit, without separate credit approval and documentation each time.
Designed for large corporates, agribusiness or property developers looking for greater control over business financials and cash flow fluctuations.
Revolving credit facility
CreditPlus is a revolving credit facility that’s secured against the value of your plant, vehicles and equipment.
CreditPlus may suit businesses with capital equipment and business funding needs over $500,000 who prefer a flexible single line of credit, rather than applying for separate loans.
Interest rates and fees
Check the rates and fees for our business lending solutions.
Customer stories
We’re proud to work with New Zealand businesses and help them grow. Check out our series of case studies from local business owners. They share their tips, challenges, and how our lending support has made a difference.
Get in touch
Our business support team can help you find the lending solution that best suits your business.
- Send us an enquiry
- Call Small Business Specialists: 0800 269 763
- Call BNZ Partners: 0800 275 269