# Kiwibank — NZ Business Lending Insurance

**Legal entity:** Kiwibank Limited
**Primary website:** https://www.kiwibank.co.nz/business-banking/
**RBNZ financial strength rating:** A+ (S&P)
**Brand family:** `Kiwibank`

## Active retail products

_None on file._



## Machine-readable endpoints

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

## Primary sources

- Kiwibank website: https://www.kiwibank.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: Kiwibank business-lending-insurance profile, SME Loans NZ, accessed 2026-05-18.
Canonical URL: https://smeloans.co.nz/api/insurer/kiwibank/summary.md
License: CC BY 4.0 — attribute https://smeloans.co.nz