Business Loans Auckland

Compare business finance options for Auckland SMEs from banks and alternative lenders

Auckland Business Loan Quick Facts:

  • Bank Rates: 8-14% p.a. (ANZ, ASB, BNZ, Westpac)
  • Alternative Lenders: 15-25% p.a. (faster approval)
  • Loan Amounts: $5,000 - $5,000,000+
  • Fastest Approval: Same day with Prospa, Bizcap
Get Auckland Loan Quote Calculate Repayments

Business Loan Options in Auckland

Auckland is New Zealand's largest business hub, home to over 180,000 businesses. Whether you're in the CBD, North Shore, South Auckland, or West Auckland, you have access to a wide range of business financing options.

Major Banks in Auckland

  • ANZ: Multiple Auckland branches, 8-12% rates
  • ASB: Strong Auckland presence, 8-13% rates
  • BNZ: Business centres in CBD & suburbs
  • Westpac: Business banking specialists
  • Kiwibank: NZ-owned, supports local business

Alternative Lenders

  • Prospa: Online, 24-48hr approval, 15-28%
  • Bizcap: Fast funding, 15-25% rates
  • ScotPac: Invoice & equipment finance
  • Heartland: Equipment & vehicle finance

Auckland Business Loan Rates Comparison (2026)

Lender Type Interest Rate Approval Time Best For
Major Banks 8-14% p.a. 1-4 weeks Established businesses, large loans
Alternative Lenders 15-25% p.a. 24-48 hours Fast funding, flexible criteria
Equipment Finance 7-15% p.a. 1-5 days Vehicle & machinery purchases
Invoice Finance 2-4% monthly 1-2 weeks setup B2B businesses with invoices

Auckland Business Statistics

180,000+
Businesses in Auckland
$130B+
Auckland GDP
37%
Of NZ's Total GDP

Popular Industries for Business Loans in Auckland

Construction & Trades

Equipment finance, working capital

Hospitality & Food

Fit-out finance, working capital

Retail & E-commerce

Inventory finance, expansion loans

Professional Services

Working capital, office fit-out

Related Resources

Compare Auckland Business Loans

Get quotes from multiple lenders in minutes

Get Free Quotes