Compare Business Loans NZ
Compare rates, terms, and features from New Zealand's top business lenders. Find the perfect financing solution for your business needs.
Compare Top NZ Business Lenders
Compare interest rates, loan amounts, and approval times from leading New Zealand business finance providers
ANZ Bank
Traditional Bank
ASB
Traditional Bank
Heartland Bank
Specialized Bank
Prospa
Online Lender
Go Taxi
Specialized Lender
HomeSec
Secured Lender
ScotPac
Business Finance
Harmoney
Peer-to-Peer Lender
Bizcap
Online Lender
Quick Rate Comparison
| Lender Type | Interest Rates | Loan Amounts | Best For |
|---|---|---|---|
| Traditional Banks | 4.99% - 12.99% | $10K - $10M | Established businesses, large loans |
| Online Lenders | 9.99% - 25.99% | $5K - $500K | Fast approval, newer businesses |
| Specialized Lenders | 5.99% - 18.99% | $5K - $2M | Industry-specific needs |
Compare Loan Types
Different types of business loans for different business needs
Business Term Loan
Fixed-term business funding with regular repayments
- Amount Range
- $10,000 - $5,000,000
- Typical Term
- Up to 15 years
Key Features:
- Fixed or variable rates
- Regular repayments
- Longer terms available
- Asset security often required
Business Overdraft
Flexible ongoing credit facility
- Amount Range
- $5,000 - $500,000
- Typical Term
- Ongoing facility
Key Features:
- Pay interest only on used amount
- Flexible withdrawals
- No fixed repayment schedule
- Annual review required
Invoice Finance
Convert unpaid invoices into immediate cash
- Amount Range
- Up to 90% of invoice value
- Typical Term
- 30-90 days
Key Features:
- Quick access to funds
- No property security needed
- Grows with your business
- Pay as you use
Business Loan Calculator
Estimate your loan repayments and find the right financing option
Why Compare with SME Loans NZ?
100% Free Service
No hidden fees or charges for businesses
Expert Guidance
Personal advice from loan specialists
Wide Network
Access to 15+ trusted lenders
Transparent Process
Clear rates and terms comparison
Frequently Asked Questions
How do I compare business loans effectively?
Compare interest rates, fees, loan terms, repayment options, and approval requirements. Consider the total cost of the loan, not just the interest rate. Our comparison tool helps you evaluate all these factors side-by-side.
What's the difference between bank and online lenders?
Banks typically offer lower rates but have stricter requirements and slower approval times. Online lenders often approve loans faster with more flexible criteria but may charge higher rates. Both have their advantages depending on your business needs.
Does comparing loans affect my credit score?
Using our comparison service doesn't affect your credit score. We perform soft credit checks initially, which don't impact your credit rating. Hard credit checks only occur when you formally apply with a chosen lender.
Ready to Compare and Apply?
Get personalized loan recommendations from our network of trusted NZ lenders