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Businessloans.org.nz
NZ business lenders

Banks, specialists, and alternative lenders.

Independent editorial guides on the NZ business-finance lender landscape. Each entry covers products, indicative pricing bands, eligibility, and where the lender fits on a shortlist.

12 lenders covered. The five major NZ banks, two specialist NZ banks/asset financiers, and four alternative lenders.

Educational

Indicative only. Why we say this

ANZ Business logo
Major bank

ANZ Business

Major bank lending and rural products. Lowest indicative rates for borrowers who clear the application.

Indicative rate band 7% to 12%
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ASB Business logo
Major bank

ASB Business

Major bank business and rural lending. Strong agri presence in the South Island.

Indicative rate band 7% to 12%
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BNZ Business logo
Major bank

BNZ Business

Major bank with QuickBiz online product and Business Moments editorial cluster.

Indicative rate band 7% to 12%
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Westpac Business logo
Major bank

Westpac Business

Major bank business, rural, and asset finance. Westpac Equipment Finance is the asset arm.

Indicative rate band 7% to 12%
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Kiwibank Business logo
Major bank

Kiwibank Business

NZ-owned bank with an SME-focused offer set, smaller-end of the major-bank cluster.

Indicative rate band 8% to 13%
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Heartland Bank logo
Specialist NZ bank

Heartland Bank

NZ bank with deep specialty in asset finance, livestock, and online unsecured small-business loans.

Indicative rate band 8% to 14%
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UDC Finance logo
Asset finance

UDC Finance

Long-established NZ asset finance specialist; ANZ subsidiary historically.

Indicative rate band 8% to 14%
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MTF Finance logo
Asset finance

MTF Finance

Vehicle and asset finance through a dealer/originator network.

Indicative rate band 9% to 16%
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Prospa logo
Alternative lender

Prospa

Our finance partner. Fast-online unsecured small-business lending and a line of credit.

Indicative rate band 12% to 25%
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Avanti Finance logo
Alternative lender

Avanti Finance

Secured property and asset specialist. Bridging, commercial property, asset finance.

Indicative rate band 9% to 18%
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GetCapital logo
Alternative lender

GetCapital

SME term and line of credit. Now part of Shift internationally.

Indicative rate band 11% to 22%
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BizCap logo
Alternative lender

BizCap

Short-term unsecured and caveat-secured lending for SMEs the major banks decline.

Indicative rate band 15% to 30%
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Also covered editorially

22 more NZ lenders, in detail.

Beyond the dozen on the main grid, the directory covers P2P platforms, non-bank specialists, marketplaces, regional banks, and complex-deal lenders. Each carries the full Tier D editorial: indicative pricing, application process, NZ scenarios, and where each one fits.

Squirrel Lending Crowd Zagga ScotPac Business Finance Spinach Line Capital Crediflex First Mortgage Trust HomeSec Business Loans Pepper Money Bluestone Bizzy Banked NZ Fundme Loan Market Commercial Rabobank NZ TSB Business SBS Business The Co-operative Bank Business Finance Now Private Capital Group Global Pacific Capital

Editorial-only. Lender pages are independent editorial guides. Except for Prospa, where our commercial relationship is disclosed on the partner page, we have no commercial relationship with the lenders covered. We earn no referral revenue from links to lender websites. Brand marks remain the property of each lender and are shown for editorial-identification purposes only.

Related

Looking for something else

About Prospa

Our finance partner and the commercial disclosure.

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NZ business loan rates 2026

Where each lender prices in the indicative rate bands.

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By loan type

Lenders compared by product range.

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Indicative content only. Final rates, fees, and approval decisions are made by lenders after assessment.

Disclaimer

Indicative content only. Not personalised financial advice.

A business loan is a commitment that runs for months or years, and repayments come out of the same operating cash flow as everything else. Before committing, it is worth modelling the weekly and monthly cost against the business's working-capital position, which is what this site is built to help with. Borrowing at a level that stays comfortable through a quiet quarter, not just a strong one, is widely regarded as the safer frame.

What this site is

A calculator and information tool. Not a lender, not a broker, not a registered financial adviser. Nothing here is personalised financial advice.

What the figures show

Modelled estimates based on the inputs you enter. Not a quote. Not an offer of credit. Not a guarantee of approval, rate, or fees.

What the lender decides

Final rates, fees, and approval are set by the lender after a CCCFA-appropriate assessment of the applicant's circumstances and credit decision.

Commercial disclosure

Businessloans.org.nz earns a commission from Prospa when a visitor applies through this site and their application is approved. The commission is paid by Prospa, not by the borrower, and it does not influence the rate Prospa offers. Full disclosure on the partner page.

Tax, GST, and accountant framing

Tax-treatment statements (GST claim timing, interest deductibility, depreciation rates) are general in nature and subject to your accountant's confirmation on the specific business position. For material amounts, professional advice from a registered financial adviser or chartered accountant is widely regarded as the safer frame.

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Important information

About this site, the figures, and your protections.

Last reviewed 5 May 2026.

1. What this site is

Businessloans.org.nz is a New Zealand education site and a free repayment calculator. It is not a lender, not a broker, and not a registered financial adviser. We do not arrange credit, hold client money, or provide regulated financial advice as defined under the Financial Markets Conduct Act 2013 Part 6 or the Financial Services Legislation Amendment Act 2019. Nothing on this site is personalised financial advice.

2. The calculator and figures

All numbers shown by the calculator, in worked examples, and across the site are indicative only and modelled from the inputs entered. The figures are not a quote, not an offer of credit, and not a guarantee of the rate, fees, term, or approval available to any specific business. Final pricing, fees, and approval are set by the lender after the lender's own credit assessment.

3. General information, not advice

Content on this site is general information (class information). It does not take into account the financial situation, objectives, or needs of any particular business or person. Before making a borrowing decision, professional advice from a licensed Financial Advice Provider, a chartered accountant, or a solicitor is widely regarded as the safer frame, particularly where amounts are material or the borrowing involves a personal guarantee.

4. Commercial relationship with Prospa

When a calculator user clicks "see if you qualify", the application hands off to Prospa, our New Zealand SME finance partner. Businessloans.org.nz earns a referral commission from Prospa when a referred application converts to a funded loan. The commission is paid by Prospa, not by the borrower, and does not change the rate, fees, or terms Prospa offers the business. We do not claim Prospa is the cheapest or best lender for every applicant. Full disclosure is on our partner page.

5. Tax, GST, and accountant framing

Tax-treatment statements (GST claim timing, interest deductibility, depreciation rates) on this site are general in nature and subject to confirmation by your accountant on the specific business position. For material amounts, professional tax advice from a chartered accountant is widely regarded as the safer frame. Inland Revenue is the primary source for any specific NZ tax-treatment question.

6. Privacy and personal information

Consistent with the Privacy Act 2020, we do not run lead-capture forms on this site. Calculator inputs stay in the browser and are not transmitted to a server we control. We use Google Analytics 4 for aggregate, non-personal traffic data only. When a visitor clicks through to Prospa they leave our site, and Prospa's privacy policy applies. The Credit Contracts and Consumer Finance Act 2003 (CCCFA) framework applies at the lender level where a sole trader's borrowing is wholly or predominantly for personal use, or where a personal guarantor is involved.

7. Fair dealing posture

This site operates under the fair-dealing requirements of the Financial Markets Conduct Act 2013 Part 2 and the Fair Trading Act 1986. We avoid misleading or deceptive conduct, false representations, and unsubstantiated claims. Numeric or regulatory claims are hedged or sourced to a primary New Zealand authority (NZTA, MBIE, Inland Revenue, Reserve Bank of New Zealand, Stats NZ, Commerce Commission, Financial Markets Authority).

8. Limitation of liability and governing law

To the maximum extent permitted by New Zealand law, Businessloans.org.nz, its operators, and its contributors are not liable for any loss or damage (direct, indirect, consequential, or otherwise) arising from use of the site or reliance on its content, indicative figures, or third-party information. These terms are governed by the laws of New Zealand. Any disputes are to be resolved in New Zealand courts.

Long form: terms, privacy, footer disclaimer.