Terms and rates
Select from a range of short, medium and long-term fixed interest rates. Our 90-day variable rate lets you repay some or all of the loan at any time with no extra cost.^
Term loans for business
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 then select a repayment period to suit your cash flow.
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Design your loan to suit your business
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.
Interest 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.
*Terms and conditions apply.^
Apply online for a term loan
QuickBiz is a simple way to apply online for a business loan up to $100,000,^ without needing to provide additional security. 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.
For loans over $100,000 contact us.
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
Other finance for growth and investment
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.
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.