Terms and rates
Select from a range of short, medium and long-term fixed interest rates. Our 90-day fixed rate lets you repay some or all of the loan at any time with no extra cost.
Tailor a term loan to suit your needs
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 select a repayment period to suit your cash flow. Talk to us about your options or apply online.
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.
Apply online for a term loan
QuickBiz is a simple way to apply online for a business loan, 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.
Green Business Loans
Help fund renewable energy, zero or low emission transport, agribusiness or sustainable projects with our Green Business Loan.
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.
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 (including establishment fees) apply.
A ratelock fee may apply.
An early repayment charge may apply to other terms. When you apply online through QuickBiz, a fixed rate for 6, 12, 24, or 36 months applies (the 90-day fixed rate is not available).