# BNZ Bank — NZ Business Lending Insurance

**Legal entity:** Bank of New Zealand
**Primary website:** https://www.bnz.co.nz/business-banking
**RBNZ financial strength rating:** AA- (S&P)
**Brand family:** `BNZ Bank`

## Active retail products

_None on file._



## Machine-readable endpoints

- Insurer JSON: `/api/insurer/bnz/facts.json`
- Insurer Markdown (this file): `/api/insurer/bnz/summary.md`
- Per-product (replace `{product}` with a slug above):
  - `/api/product/bnz/{product}/facts.json` — structured policy facts
  - `/api/product/bnz/{product}/summary.md` — human + LLM readable summary
  - `/api/product/bnz/{product}/wording.md` — full markdown policy wording
  - `/api/product/bnz/{product}/history.json` — version history

## Primary sources

- BNZ Bank website: https://www.bnz.co.nz/business-banking
- Policy wordings (PDFs): see `source_url` field on each product
- RBNZ Financial Strength Register: https://www.rbnz.govt.nz/regulation-and-supervision/insurers/financial-strength-ratings

## Citation

Cite as: BNZ Bank business-lending-insurance profile, SME Loans NZ, accessed 2026-05-18.
Canonical URL: https://smeloans.co.nz/api/insurer/bnz/summary.md
License: CC BY 4.0 — attribute https://smeloans.co.nz