MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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The Best Small Business Loans - June 2025 - The Definitive New Zealand Guide

Our guide covers the different types of small business loans available throughout New Zealand, the eligibility requirements and application process, tips on how to successfully secure a loan, the pros, cons and risks of taking of taking on debt, must-know facts and frequently asked questions.
Small Business Loans NZ
Updated 1 June 2025
Summary:
  • ​With high interest rates and the high cost of living putting severe pressure on the New Zealand economy, many small businesses are hanging in limbo, uncertain how stable domestic demand will be in the coming years.
  • In the short term, thousands of New Zealand small businesses are considering loans and financing options to keep the lights on and ride out the tough few years to come. We've seen a tremendous increase in search volume in 'business loan' related terms since mid 2022.
  • To help explain what the options are, we've published this guide to make sense of what is, for many business owners, unfamiliar territory.
  • Know This: Small business loans have unique risks but they are a proven option specifically designed for small business owners to help them fund operational needs, expand into new products or alleviate short-term cash flow issues. What is right for your business takes careful research and your options and understanding the terms and conditions of the loan, you can find the financing solution that best meets the needs of your small business.
​
Our guide covers:
  • ​What is a Small Business Loan?
  • Why Would I Want to Apply for a Small Business Loan?
  • Which Businesses are Eligible for Small Business Loans?
  • How Can I Apply for a Small Business Loan? What's the Process?
  • What Types of Small Business Loans are Available in New Zealand and Who are the Main Providers?
  • What are the Pros and Cons of Taking on a Small Business Loan?
  • Top Tips for Successfully Securing a Small Business Loan
  • Small Business Loan Must-Know Facts
  • Frequently Asked Questions

Useful resources:
  • Do you want to apply for a loan? Our business loan comparison has the latest offers.
  • Are you looking for alternatives to business loans? Our guides to finance leases and operating leases explain your options. Our guide to business borrowing options further explains all the options, including government grants, crowdfunding and personal loans.
  • If you're looking to improve cash flow, our guides to getting overdue debtors to pay your invoices and tips for reducing business costs are popular resources.

What are Small Business Loans NZ?

What is a Small Business Loan?

​Small business loans are financial products specifically designed for small business owners to help them fund their operations, expansion, or any other business-related expenses. Several options are available for small business owners seeking a loan, including traditional bank loans, alternative lending platforms, specialist business lenders, government-backed programs, and more.

What types of small business loans exist to help businesses in New Zealand?

​There are multiple types of small business loans available in New Zealand:
Small Business Loans NZ

Secured loans

Secured loans are backed by collateral, such as equipment, real estate, or other assets. If the business cannot make its loan payments, the lender may seize the collateral to recover its money.
​
Examples of secured small business loans in New Zealand include:
  • Equipment financing loans: These loans are used to finance equipment purchases, and the equipment is used as collateral for the loan.
  • Commercial mortgages: These loans are used to finance the purchase or refinance of commercial real estate, and the property itself is used as collateral for the loan.

More details:
Our guide to comparing business loans lists many lenders who offer secured loans.
Small Business Loans NZ

Unsecured loans

Unsecured loans don't require collateral, and the lender relies on the business's creditworthiness to secure the loan.

​Examples of unsecured small business loans in New Zealand include:

More details: Our guide to comparing business loans lists many lenders who offer unsecured loans.
Small Business Loans NZ

Personal (term) loans

These loans provide a lump sum of money repaid over a set period, typically with fixed monthly payments.

More details: Our guide to personal loans lists lenders who work with business owners needing short-term financing.
Small Business Loans NZ

Revolving line of credit

These loans provide a pool of money that the business can draw from as needed, and the business is only required to pay down interest on the amount it borrows.
Small Business Loans NZ

Invoice financing

These loans allow businesses to borrow against their outstanding invoices, with the invoices themselves serving as collateral for the loan.

Maximise Your Business Potential with MoneyHub's Top-Rated Lender Choice

If you're looking for a business loan, choosing a lender that offers competitive rates, fair terms and wants to lend is essential. In our search for such lenders, one name that stands out is Prospa.

Prospa: A Practical Choice for Business Borrowers
Our business loan research indicates that Prospa often offers lower interest rates and fees than many traditional lenders, helping businesses manage costs effectively. We have seen it become popular with many MoneyHub users who are business owners.

Straightforward Application Process
Applying with Prospa is simple and takes just a few minutes. There's no commitment required when you apply, so you're free to consider your options without any pressure.

Why Comparing Rates Matters
We always suggest business owners compare different loan offers. Applying with Prospa is free, and by comparing, you increase your chances of finding a loan that suits your business's needs and budget.

Long-Term Impact of Your Interest Rate
The interest rate on your loan will influence your repayments over time. Considering how this will affect your business finances in the long run is important.

Our Advertising Transparency
MoneyHub may receive a referral commission, but this does not influence our recommendations. Our priority is to provide reliable and unbiased information. Interest rates and assessment times can vary based on your circumstances.

Get Started
Visit Prospa to explore their offerings and see if they meet your business lending needs. Remember, making an informed choice will almost always make a big difference to your business's financial future.
Get an Offer From Prospa
MoneyHub Founder Christopher Walsh
Christopher Walsh
MoneyHub Founder
Our Top Business Loans Provider:
Prospa Business Loans NZ

Alternative Funding Option: Taxi Business Funding

  • ​Unlock flexible, low-cost business funding with Taxi, an innovative alternative to traditional business loans.
  • Taxi allows businesses to borrow funds equivalent to up to 90% of their provisional tax payments and offers fast access to working capital without the hassle of personal guarantees or lengthy loan applications.
  • Compared to standard business loans and overdrafts from the banks, Taxi stands out with significantly lower interest rates and flexible repayment options.
  • Taxi offers an affordable solution for facing cash flow challenges, expanding, or managing seasonal dips.

Know This: By using your provisional tax as collateral, you can secure funding without impacting your existing credit lines or providing additional security. With no hidden fees, penalties for early repayment, or complex paperwork, Taxi is a game-changer for NZ businesses.

More Details: Our full Taxi Review explains how you can benefit from this unique funding service. Our friendship with Taxi means that qualifying businesses get a 10% discount on quarterly facility fees.
Taxi Business Loans Review NZ
Visit Taxi

Why Would I Apply for Small Business Loans NZ?

Why Would I Want to Apply for a Small Business Loan?

​There are multiple reasons a small business throughout New Zealand might want to apply for a small business loan. Some common reasons include:
Small Business Loans NZ

To finance the expansion of the business

A small business loan can provide the money needed to purchase additional equipment, expand into new markets, or hire more staff. Without a small business loan to fund this expansion, businesses may not be able to grow as fast as they would ideally like to, meaning other competitors can grow faster and steal market share.
Small Business Loans NZ

To cover operating costs

A small business loan can help a business meet its day-to-day operating expenses, such as rent, utilities, and payroll. However, note that small business loans are usually short-term fixes to long-term problems, and a small business loan isn't the final solution to a problem. Instead, they can be the beginning of the end - fixing the underlying issues (lack of sales, uncontrolled costs etc) is essential to continue as a going concern.
Small Business Loans NZ

To improve cash flow

A small business loan can provide a business with the cash it needs to cover short-term expenses while it waits for customer payments or other sources of income. Sometimes, businesses may be profitable but experience unfavourable timing regarding when invoices are sent and when money is paid.

Small business loans can bridge this gap and ensure that businesses can pay their staff and suppliers or purchase new equipment on time. Our guide to getting debtors to pay overdue invoices has scripts and tips to speed up cash collection.
Small Business Loans NZ

To finance a special project

A small business loan can be used to fund a one-time project, including developing a new product or starting a marketing campaign. However, careful budgeting and a well-tested ROI analysis is essential to ensure the money borrowed is spent in the right places.
Small Business Loans NZ

To take advantage of a business opportunity

A small business loan can provide the money needed to take advantage of a business opportunity that may not have been possible without additional financing.

Which Businesses are Eligible for Small Business Loans? NZ

Which Businesses are Eligible for Small Business Loans?

The terminology for what defines a "small business" varies by lender. However, in New Zealand, small businesses are typically defined as those with fewer than 20 full-time employees. However, the eligibility criteria for small business loans can vary depending on the lender and the type of loan product.

While the approval of small business loans will be subject to each credit provider’s unique criteria, generally, small businesses that apply for a small business loan will be vetted against the following criteria:
  • The business is a registered company or sole trader operating in New Zealand.
  • The business has been in operation for at least one year, although some lenders may consider businesses that have been operating for a shorter period.
  • The business has a good credit history and can demonstrate the ability to pay back the loan.
  • The business has a viable business plan and can demonstrate the potential for growth and profitability.
  • The business has sufficient collateral to secure the loan if required. This may be in the form of a personal guarantee from a director/business owner.

Important:
Lenders may have additional eligibility criteria that must be met to qualify for a small business loan. Therefore, it's a good idea to speak with a lender to determine the specific eligibility requirements for the loan product you are interested in.

Useful resources:
  • Do you want to apply for a loan? Our business loan comparison has the latest offers.
  • Are you looking for alternatives to business loans? Our guides to finance leases and operating leases explain your options. Our guide to business borrowing options further explains all the options, including government grants, crowdfunding and personal loans.
  • If you're looking to improve cash flow, our guides to getting overdue debtors to pay your invoices and tips for reducing business costs are popular resources.

How Can I Apply for a Small Business Loan NZ?

How Can I Apply for a Small Business Loan? What's the Process?

​To apply for a small business loan in New Zealand, you’ll need to follow the following steps:
Small Business Loans NZ

Determine your borrowing needs

Before you start the application process, it's important to determine how much you need to borrow and for what purpose. This analysis will help you choose the right loan product and lender. If you borrow too little, you may need to go back and pay a higher interest rate, whereas if you borrow too much and draw it down, you'll be paying interest which needs to be paid for my revenue.

Our View:
Getting the numbers right upfront is a process which shouldn't be rushed - the consequences for inaccuracy are expensive.
Small Business Loans NZ

Research your options

There are a variety of small business loans available in New Zealand, so it's important to research your options and choose a loan that meets your needs. Our guide to the best business loans is a helpful starting point. Consider factors such as interest rates, repayment terms, and fees when comparing loan products.
Small Business Loans NZ

Gather the necessary documents

Most lenders will require you to provide certain documents as part of the loan application process. These may include financial statements, tax returns, business plans, and collateral. The faster you supply these documents the quicker a decision will be made about the loan.
Small Business Loans NZ

Prepare a business plan

A business plan is a document that outlines your business goals, strategies, and financial projections. It can help you present a clear and compelling case to lenders about why you deserve a loan and how you plan to use the funds.

Useful business plan guides and templates are available from the government, Shopify and Xero.
Small Business Loans NZ

Apply for the loan

Once you have gathered all the necessary documents and prepared a business plan, you can start the loan application process. This process typically involves filling out an application form and submitting it to the lender along with the required documents.
Small Business Loans NZ

Wait for a response and reply to inquiries

After you submit your loan application, the lender will review it and decide whether to approve or deny your request. This process can take several weeks, so patience is important. If your application is approved, the lender will provide you with a loan agreement outlining the terms and conditions of the loan.

What Types of Small Business Loans are Available in New Zealand?

What Types of Small Business Loans are Available in New Zealand and Who are the Main Providers?

Know This First: Lenders will either offer secured loans or unsecured loans. Both have significant risks.
  • Secured loans typically charge lower interest rates but carry a higher risk of losing your collateral if you default on the loan.
  • Unsecured loans have higher interest rates but do not require collateral.
  • However, to take out a loan, you may be asked to sign a personal guarantee which means you'll be liable if the business fails to repay the loan.

There are many different types of small business loans available in New Zealand, including:
  • ​Bank loans: Bank loans are the most common type of small business loans offered by traditional banks and financial institutions. Bank loans can be secured (meaning you need to provide collateral, such as assets or property) or unsecured (meaning you don't need to provide collateral).
  • Alternative lending platforms: These are online platforms that connect small business owners with lenders, including banks, alternative lenders, and investors. Alternative lending platforms offer a range of loan products, including short-term loans, invoice financing, and crowdfunding. Examples of alternative lending platforms include Bizcap, Harmoney and Prospa.
Small Business Loans NZ

Traditional banks (Tier 1 banks)

​Tier 1 banks (such as Westpac, ASB, ANZ and BNZ) have dedicated small business banking teams that support New Zealand companies with banking, loan and other financial products. 

If you have an existing business relationship with a bank, this is most likely to be the best starting point.
Heartland Bank Small Business Loan NZ

Heartland Bank (Tier 2 banks)

Heartland Bank is a New Zealand-based lender that offers small business loans to eligible borrowers. Heartland's small business loans are secured or unsecured, depending on the specific loan product chosen.

Heartland's small business loans have a minimum loan amount of $5,000 and a maximum loan amount that varies depending on the loan product. The interest rate and terms of the loan will depend on the borrower's creditworthiness and the specific loan product chosen.

Heartland's small business loans are available to businesses operating for at least six months and have a minimum annual revenue of $50,000. Businesses must also have a good credit score and a reasonable debt-to-income ratio.

Our View:
Heartland's small business loans may be a good option for New Zealand businesses looking for a secured or unsecured financing solution. However, it's important to carefully consider the terms and conditions of any small business loan before accepting it, as the loan will significantly impact the business's financial situation.

Website: Heartland Bank
Prospa Small Business Loans NZ

Prospa (Specialist Business Lender)

Prospa is an Australian-based online lender that offers small business loans to eligible borrowers in New Zealand. Prospa's small business loans are unsecured, so they do not require collateral.

Prospa's small business loans have a minimum loan amount of $5,000 and a maximum loan of $250,000. The interest rate and terms of the loan will depend on the borrower's creditworthiness and the specific loan product chosen.

Prospa's small business loans are available to businesses operating for at least six months and have a minimum annual revenue of $50,000. Businesses must also have a good credit score and a reasonable debt-to-income ratio.

Our View: Prospa's small business loans may be a good option for New Zealand businesses looking for a flexible, unsecured financing solution. However, it is important to carefully consider the terms and conditions of any small business loan before accepting it, as the loan will significantly impact the business's financial situation.

Website: Prospa
MTF Finance NZ Small Business Loans

MTF finance (Finance companies)

MTF Finance is a New Zealand-based lender that offers small business loans to eligible borrowers. MTF Finance's small business loans are secured, which means they are backed by collateral, such as equipment, real estate, or other assets. If the business is unable to make its loan payments, the lender may be able to seize the collateral to recover its money.

MTF Finance's small business loans have a minimum loan amount of $5,000 and a maximum loan of $500,000. The interest rate and terms of the loan will depend on the borrower's creditworthiness and the specific loan product chosen.

MTF Finance's small business loan products include:
  • Equipment financing loans: These loans are used to finance an equipment purchase, and the equipment is used as collateral for the loan.
  • Commercial mortgages: These loans are used to finance the purchase or refinance of commercial real estate, and the property itself is used as collateral for the loan.

MTF Finance's small business loans are available to businesses operating for at least six months and have a minimum annual revenue of $50,000. Businesses must also have a good credit score and a reasonable debt-to-income ratio.

Overall, MTF Finance's small business loans may be a good option for New Zealand businesses looking for a secured financing solution and are willing to pledge collateral in exchange for a loan. However, it is important to carefully consider the terms and conditions of any small business loan before accepting it, as the loan will significantly impact the business's financial situation.

Website: MTF Finance
Harmoney Small Business Loans NZ

Harmoney

Harmoney is a New Zealand-based online lender that offers small business loans to eligible borrowers. Harmoney's small business loans are unsecured, so they do not require collateral.

Harmoney's small business loans have a minimum loan amount of $5,000 and a maximum loan of $500,000. The interest rate and terms of the loan will depend on the borrower's creditworthiness and the specific loan product chosen.

Harmoney's small business loan products include:
  • Term loans: These loans provide a lump sum of money repaid over a set period, typically with fixed monthly payments.
  • Line of credit loans: These loans provide a pool of money that the business can draw from as needed, and the business is only required to pay interest on the amount it borrows.
  • Invoice financing: These loans allow businesses to borrow against their outstanding invoices, with the invoices themselves serving as collateral for the loan.

Harmoney's small business loans are available to businesses operating for at least six months and have a minimum annual revenue of $50,000. Businesses must also have a good credit score and a reasonable debt-to-income ratio.
​
Overall, Harmoney's small business loans may be a good option for New Zealand businesses looking for a flexible, unsecured financing solution. However, it is important to carefully consider the terms and conditions of any small business loan before accepting it, as the loan will significantly impact the business's financial situation.

Website: Harmoney

Maximise Your Business Potential with MoneyHub's Top-Rated Lender Choice

If you're looking for a business loan, choosing a lender that offers competitive rates, fair terms and wants to lend is essential. In our search for such lenders, one name that stands out is Prospa.

Prospa: A Practical Choice for Business Borrowers
Our business loan research indicates that Prospa often offers lower interest rates and fees than many traditional lenders, helping businesses manage costs effectively. We have seen it become popular with many MoneyHub users who are business owners.

Straightforward Application Process
Applying with Prospa is simple and takes just a few minutes. There's no commitment required when you apply, so you're free to consider your options without any pressure.

Why Comparing Rates Matters
We always suggest business owners compare different loan offers. Applying with Prospa is free, and by comparing, you increase your chances of finding a loan that suits your business's needs and budget.

Long-Term Impact of Your Interest Rate
The interest rate on your loan will influence your repayments over time. Considering how this will affect your business finances in the long run is important.

Our Advertising Transparency
MoneyHub may receive a referral commission, but this does not influence our recommendations. Our priority is to provide reliable and unbiased information. Interest rates and assessment times can vary based on your circumstances.

Get Started
Visit Prospa to explore their offerings and see if they meet your business lending needs. Remember, making an informed choice will almost always make a big difference to your business's financial future.
Get an Offer From Prospa
MoneyHub Founder Christopher Walsh
Christopher Walsh
MoneyHub Founder
Our Top Business Loans Provider:
Prospa Business Loans NZ

Alternative Funding Option: Taxi Business Funding

  • ​Unlock flexible, low-cost business funding with Taxi, an innovative alternative to traditional business loans.
  • Taxi allows businesses to borrow funds equivalent to up to 90% of their provisional tax payments and offers fast access to working capital without the hassle of personal guarantees or lengthy loan applications.
  • Compared to standard business loans and overdrafts from the banks, Taxi stands out with significantly lower interest rates and flexible repayment options.
  • Taxi offers an affordable solution for facing cash flow challenges, expanding, or managing seasonal dips.

Know This: By using your provisional tax as collateral, you can secure funding without impacting your existing credit lines or providing additional security. With no hidden fees, penalties for early repayment, or complex paperwork, Taxi is a game-changer for NZ businesses.

More Details: Our full Taxi Review explains how you can benefit from this unique funding service. Our friendship with Taxi means that qualifying businesses get a 10% discount on quarterly facility fees.
Taxi Business Loans Review NZ
Visit Taxi

What are the Pros and Cons of Taking on a Small Business Loan NZ

What are the Pros and Cons of Taking on a Small Business Loan?

Pros:
Small Business Loans NZ

Access to capital (that you otherwise wouldn’t be able to get).

A small business loan can provide the necessary financial resources to grow a business. Getting a small business loan can be especially helpful if the business does not have enough capital or cannot secure funding through other means, such as investors or grants.
Small Business Loans NZ

Flexibility around funding.

Small business loans come in various forms, including term loans, line of credit loans, and equipment financing loans. Businesses can choose the type of loan that best meets their needs and financial situation.
Small Business Loans NZ

Potential for increased growth (inorganic).

By using a small business loan to invest in things like marketing, new equipment, or additional staff, a business may be able to expand and grow more quickly than it otherwise would have been able to. This type of growth is defined as inorganic growth because it would otherwise not have occurred without small business funding or investment into new products. 
Small Business Loans NZ

Improved business credit score.

Repaying a small business loan on time can help a business improve its credit score, making it easier to secure additional loans in the future. 
Small Business Loans NZ

Potential tax benefits.

Depending on the specific terms of the loan and the business's tax situation, the interest paid on a small business loan may be tax-deductible. This tax deductibility can mean that Kiwi businesses can offset some of the cost of the loan through tax savings. 
Cons:
Small Business Loans NZ

A higher debt burden.

A small business loan is a form of debt, and taking on debt can be a financial burden for a business. The business will be required to make regular loan payments, which can strain its cash flow.
Small Business Loans NZ

Increased monthly costs/outlay from interest expense.

Small business loans typically carry 'above mortgage rate' interest charges. The interest rate and terms of the loan will depend on the lender and the business's creditworthiness, but in general, higher interest rates can make the loan more expensive.
Small Business Loans NZ

Increased risk of defaulting on your loan.

If a business cannot make its loan payments on time, it may default, which can have serious consequences. For example, the lender may take legal action to recover the money, and the business's credit score may be damaged, making it more difficult to secure additional loans in the future.
Small Business Loans NZ

The potential risk of losing your collateral/assets.

Some small business loans may require the business to pledge collateral, such as equipment or real estate, as security for the loan. If the business defaults on the loan, the lender might be able to seize the collateral to recover its money.
Small Business Loans NZ

Limited flexibility on how to spend the money.

Once a business takes out a small business loan, it is generally required to stick to the terms of the loan agreement, which may be inflexible if the business's financial situation changes.
​
Taking on a small business loan can be useful to access the financial resources needed to start or grow a business. Still, it's important to consider the potential drawbacks carefully and ensure that the business can manage the added financial responsibility.

Maximise Your Business Potential with MoneyHub's Top-Rated Lender Choice

If you're looking for a business loan, choosing a lender that offers competitive rates, fair terms and wants to lend is essential. In our search for such lenders, one name that stands out is Prospa.

Prospa: A Practical Choice for Business Borrowers
Our business loan research indicates that Prospa often offers lower interest rates and fees than many traditional lenders, helping businesses manage costs effectively. We have seen it become popular with many MoneyHub users who are business owners.

Straightforward Application Process
Applying with Prospa is simple and takes just a few minutes. There's no commitment required when you apply, so you're free to consider your options without any pressure.

Why Comparing Rates Matters
We always suggest business owners compare different loan offers. Applying with Prospa is free, and by comparing, you increase your chances of finding a loan that suits your business's needs and budget.

Long-Term Impact of Your Interest Rate
The interest rate on your loan will influence your repayments over time. Considering how this will affect your business finances in the long run is important.

Our Advertising Transparency
MoneyHub may receive a referral commission, but this does not influence our recommendations. Our priority is to provide reliable and unbiased information. Interest rates and assessment times can vary based on your circumstances.

Get Started
Visit Prospa to explore their offerings and see if they meet your business lending needs. Remember, making an informed choice will almost always make a big difference to your business's financial future.
Get an Offer From Prospa
MoneyHub Founder Christopher Walsh
Christopher Walsh
MoneyHub Founder
Our Top Business Loans Provider:
Prospa Business Loans NZ

Alternative Funding Option: Taxi Business Funding

  • ​Unlock flexible, low-cost business funding with Taxi, an innovative alternative to traditional business loans.
  • Taxi allows businesses to borrow funds equivalent to up to 90% of their provisional tax payments and offers fast access to working capital without the hassle of personal guarantees or lengthy loan applications.
  • Compared to standard business loans and overdrafts from the banks, Taxi stands out with significantly lower interest rates and flexible repayment options.
  • Taxi offers an affordable solution for facing cash flow challenges, expanding, or managing seasonal dips.

Know This: By using your provisional tax as collateral, you can secure funding without impacting your existing credit lines or providing additional security. With no hidden fees, penalties for early repayment, or complex paperwork, Taxi is a game-changer for NZ businesses.

More Details: Our full Taxi Review explains how you can benefit from this unique funding service. Our friendship with Taxi means that qualifying businesses get a 10% discount on quarterly facility fees.
Taxi Business Loans Review NZ
Visit Taxi

Top Tips for Successfully Securing a Small Business Loan NZ

Top Tips for Successfully Securing a Small Business Loan

small business loan nz

Improve your credit profile and history.

Having a good credit profile is essential for securing a small business loan. Try to improve your credit profile before applying for a small business loan if there have been some issues. You can do this by paying off outstanding debts (if feasible), reducing your credit utilisation ratio (the amount of credit you use relative to your credit limit), and regularly making on-time payments.

If you're applying for a personal loan to use for business purposes, our guide to credit scores and history explains all the options available.
Small Business Loans NZ

Have a solid business plan.

As mentioned earlier, a well-written business plan is essential for securing a small business loan. Include details on your business idea, target market, financial projections, and marketing strategy.
Small Business Loans NZ

Shop around for the best rate on offer.

Don't be afraid to compare and contrast loan offers from different lenders. This comparison will help you find the best loan product that meets your needs and budget. Our business loan comparison guide is a helpful starting point.
Small Business Loans NZ

Be prepared to provide multiple different documents.

With increased regulation making it harder for banks to provide riskier loans, many lenders are becoming more stringent on the loan application process (for credit cards, mortgages and small business loans alike). Therefore, ensure you have all the necessary documentation before starting the loan application process. This preparation will help speed up the process and increase your chances of approval.

Small Business Loans Must Know Facts NZ

Small Business Loans - Must-Know Facts

small business loan nz

Ensure you’ve carefully read the terms and conditions of your small business loan.

It's also important to carefully consider the terms of the loan, including the loan amount, interest rate, and repayment schedule, and choose a lender that meets your needs and budget.
small business loan nz

Consider other loans available to New Zealand businesses.

In addition to traditional small business loans, other financing options are available for small business owners in New Zealand, including grants, crowdfunding, and angel investment. These options may be worth considering if you cannot secure a loan or are looking for alternative ways to fund your business.
​
When considering any financing, it is important to research your options carefully and thoroughly evaluate the terms and conditions before committing to a loan or other financing option. In addition, be sure to understand the repayment terms, fees, and any potential risks associated with the financing option.
small business loan nz

Check with a registered financial professional before taking out any additional debt.

It's always a good idea to seek the advice of a financial professional or business coach before deciding on financing for your small business. They can help you assess your financing needs and advise you on the best options for your business.
small business loan nz

Make sure you've got a solid plan to pay back the small business loan BEFORE you get the money.

It's also important to carefully manage your debt and ensure you can repay the loan according to the agreed-upon terms. This plan includes making timely payments and not taking on more debt than you can pay back.
small business loan nz

Stay in constant communication with your lender, especially if you’re having trouble paying the debt back.

If you are having trouble repaying your small business loan, it is important to communicate with your lender and try to find a solution. Many lenders will work with you to find a repayment plan for both parties. However, if you cannot agree with your lender, it could result in default and potentially serious consequences, such as legal action or damage to your credit score.

Small Business Loans Frequently Asked Questions NZ

Frequently Asked Questions

What types of small business loans can Kiwis get in New Zealand?

​Several types of small business loans are available in New Zealand, including term loans, overdrafts, lines of credit, and invoice financing. Some banks and financial institutions also offer specific loans for startups or businesses in specific industries.

How do I apply for a small business loan in New Zealand?

To apply for a small business loan in New Zealand, you will typically need to complete an application form and provide the lender with certain financial and business-related information, such as your business plan, financial statements, and details about your company's operations and revenue. You may also need to provide collateral, such as property or equipment, to secure the loan.

What are the eligibility requirements for small business loans in New Zealand?

Eligibility requirements for small business loans in New Zealand may vary depending on the lender and the type of loan you are applying for. In general, you may be required to have been in business for a certain amount of time, have a good credit history, and have a viable business plan. Some lenders may also require you to provide collateral or a personal guarantee.

How do I compare small business loan options in New Zealand?

​When comparing small business loan options in New Zealand, you should consider factors such as the interest rate, fees, repayment terms, and any additional features or benefits the lender offers. It is also important to consider whether the loan suits your business needs and whether you can afford the monthly repayments.

What are the alternatives to small business loans in New Zealand?

​Some alternatives to small business loans in New Zealand include equity financing, grants and subsidies, and crowdfunding. You might also be able to tap into personal savings or borrow from friends or family. It is important to carefully consider the pros and cons of each option and choose the one most appropriate for your business needs.

What defines a "small business" loan? Am I still eligible if I have $1 million in revenue or 100 employees? What's the cut-off point?

​It depends. There's no one definition in New Zealand for what defines a "small business". However, most lenders will generally look at the number of full-time employees and the amount of revenue/turnover your business does to determine whether your business is considered a "small business" or a larger enterprise. So generally, there will be some flexibility that lenders have to categorise different businesses.

Where can I find more resources about business loans in New Zealand?

In addition to small business loans, there are other sources of funding that may be available to small businesses in New Zealand, such as grants, subsidies, and crowdfunding (some of which we’ve detailed above). Consider exploring these options as well.

Useful resources:
  • Do you want to apply for a loan? Our business loan comparison has the latest offers.
  • Are you looking for alternatives to business loans? Our guides to finance leases and operating leases explain your options. Our guide to business borrowing options further explains all the options, including government grants, crowdfunding and personal loans.
  • If you're looking to improve cash flow, our guides to getting overdue debtors to pay your invoices and tips for reducing business costs are popular resources.

Maximise Your Business Potential with MoneyHub's Top-Rated Lender Choice

If you're looking for a business loan, choosing a lender that offers competitive rates, fair terms and wants to lend is essential. In our search for such lenders, one name that stands out is Prospa.

Prospa: A Practical Choice for Business Borrowers
Our business loan research indicates that Prospa often offers lower interest rates and fees than many traditional lenders, helping businesses manage costs effectively. We have seen it become popular with many MoneyHub users who are business owners.

Straightforward Application Process
Applying with Prospa is simple and takes just a few minutes. There's no commitment required when you apply, so you're free to consider your options without any pressure.

Why Comparing Rates Matters
We always suggest business owners compare different loan offers. Applying with Prospa is free, and by comparing, you increase your chances of finding a loan that suits your business's needs and budget.

Long-Term Impact of Your Interest Rate
The interest rate on your loan will influence your repayments over time. Considering how this will affect your business finances in the long run is important.

Our Advertising Transparency
MoneyHub may receive a referral commission, but this does not influence our recommendations. Our priority is to provide reliable and unbiased information. Interest rates and assessment times can vary based on your circumstances.

Get Started
Visit Prospa to explore their offerings and see if they meet your business lending needs. Remember, making an informed choice will almost always make a big difference to your business's financial future.
Get an Offer From Prospa
MoneyHub Founder Christopher Walsh
Christopher Walsh
MoneyHub Founder
Our Top Business Loans Provider:
Prospa Business Loans NZ

Alternative Funding Option: Taxi Business Funding

  • ​Unlock flexible, low-cost business funding with Taxi, an innovative alternative to traditional business loans.
  • Taxi allows businesses to borrow funds equivalent to up to 90% of their provisional tax payments and offers fast access to working capital without the hassle of personal guarantees or lengthy loan applications.
  • Compared to standard business loans and overdrafts from the banks, Taxi stands out with significantly lower interest rates and flexible repayment options.
  • Taxi offers an affordable solution for facing cash flow challenges, expanding, or managing seasonal dips.

Know This: By using your provisional tax as collateral, you can secure funding without impacting your existing credit lines or providing additional security. With no hidden fees, penalties for early repayment, or complex paperwork, Taxi is a game-changer for NZ businesses.

More Details: Our full Taxi Review explains how you can benefit from this unique funding service. Our friendship with Taxi means that qualifying businesses get a 10% discount on quarterly facility fees.
Taxi Business Loans Review NZ
Visit Taxi

Related guides:
  • Business Loan Calculator
  • Compare Business Loans
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  • Business Credit Cards
  • Business Insurance
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  • Essential Money-Saving Tips For Businesses
  • How to Start a Business in New Zealand
  • Get Debtors to Pay Overdue Invoices
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