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Personal loans

Business loans

New Zealand business

Personalised rates from 6.99%¹

Won’t affect your credit score

Canstar winner 5 years in a row
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Borrow up to $70,000

Whether you’re starting up or growing your company, a business cashflow loan can keep your business goals in sight.

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A small business loan with Harmoney is taken out under your own name, not your business name, which can make accounting easier.

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All our personal loans are unsecured, so you don’t have to put up your home, car, or other property as security.

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Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.

What our customers say

5.0 Its great to know that Harmoney trust me and value my business Auckland, New Zealand
5.0 Always a pleasure doing business with Harmoney , New Zealand
5.0 As always, no hassles - super fast and the process was very easy to follow. Took a little while to make up my mind as I was also looking at other offers. In the end, Harmoney got my vote and my business. Auckland, New Zealand
5.0 Very easy and quick with almost immediate results. Great team to do business with. , New Zealand
5.0 Wow that was easy if you had all your cards and details. Otago , New Zealand
5.0 all I can say is wow super fast and excellent staff you guys have helped me so much thank you nz, New Zealand
5.0 Wow is all I can say. Using Harmony was quick, easy and stress free!! So quick in responses. Would totally recommend using Harmony. , New Zealand
5.0 I started my application three times the over about 5 months, I really needed to consolidate my debts but was scared and embarrassed at the amount I needed. This time I completed my application. WOW Harmoney it was so easy and no one made me feel bad, the process of being able to clear more than I thought for way less that I pay now, we will be debt free in 5 years. THANK YOU SO MUCH Harmoney and the Lenders, maybe I will become a lender to so I can help others like myself. Marton, New Zealand
5.0 Wow, really impressed at how easy the process is and how convenient it is. Did the process while reading a book and putting down miss 3 for a nap!

I can't believe I did completed the application by 130pm and the money was in my account before I went to bed the same day! I didnt have to worry about printing, signing, sending or even talking to someone.

I thoroughly read everything thinking there was some big costly fee I'd missed but there wasn't. I'm so amazed.

Wellington , New Zealand
5.0 wow that was so easy to do thank you so much Harmoney Otago , New Zealand
5.0 The people I spoke too were all very friendly, and wow can't believe the quick response we got thank you all so much Harmoney team. Thames / Coromandel , New Zealand
5.0 Wow. It was really really quick!! Dod not even take 8 hours to process and transfer the money to my acct. I Can finally book my tickets now!! Thanks a lot. Sooo hassle-free. Auckland, New Zealand
5.0 Thank you Harmoney again for your quick, efficient and professional service. I am grateful for the financial assistance you have provided for me and my family. Always a pleasure doing business with you and I will definitely be recommending your services to my family members and friends.
Auckland City, New Zealand
5.0 Fast and easy to follow and understand. I applied for funds on a Sunday evening and I had the money in my account Tuesday night! Wow what fast service. The best company I have ever delt with so so easy, Thanks Harmoney you've made my year!!! BOP, New Zealand
5.0 so quick and stress free! wow thank you so much hawkes bay, new zealand
5.0 Wow! This is so much easier than going through bank. Southland, New Zealand
5.0 Fast efficient and wow it just happened. Awesome service Wellington, New Zealand
5.0 Wow what a very efficient and easy to follow step by step online service. The approvel and money was in my account within 24hrs. Thank you Harmony I was very satisfied in every way. NZ , New Zealand
5.0 An efficient, quick, and simple process; exactly how I like to do business Waikato, New Zealand
5.0 Can't believe how quickly and effortlessly this happened, all digital and was approved so quickly! Then my loan was funded within a day... simple and clear terms and great contact from the team. Would recommend to anyone who wants to buy a new bike, consolidate debt or start a business like I did. Auckland , New Zealand
5.0 WOW - this service is quite amazing. I have never seen anything like it, awesome :) Canterbury, New Zealand
5.0 Nice and easy. The customer service rep I dealt with was exceptionally helpful. I am sure if you continue to hire people like him your business will continue to be sucessful. , New Zealand
5.0 Love it so fast and easy i wouldnt shop anywhere else , New Zealand
5.0 Wow! It was so quick. No fuss and no hassle. What a great service. Thank you. , New Zealand
5.0 An experience i can recommend others to shop. Staffs have been helpful. Again thank you. , New Zealand
5.0 So impressed with this simple, efficient and user friendly service. Hassle free, fast communications and equally speedy responses on queries - wow! I am going to fly the Harmony flag..!!! , New Zealand
5.0 It was a LOT easier than I thought. I was very impressed with HARMONEY'S lateral & logical thinking.
Our bank won't lend to our business, in it's 1st year of operation, even though we have equity. They won't even give a personal overdraft.
Thanks to Harmoney, I am now laughing my way to the bank, where I would have gladly paid more in interest if they had been even remotely interested. Our mainstream bank adversities with the following slogan: "Helping small businesses grow" ~ YEAH RIGHT....... I think that title belongs to HARMONEY.
Thank you Harmoney. When are you starting banking services?
5.0 Wow! I got a pamphlet in the post about Harmoney.co.nz, and did a bit of research and couldn't find anything bad about them. So I went ahead and tried the online application. 3 days later and everything is wrapped up nice and neat, the money is in our account, I thought the cost and interest were reasonably competitive given the ease and convenience, the direct debit is setup to replay the loan, and I didn't have to move from my lounge. Harmoney, FANTASTIC PROFESSIONAL SERVICE!!! , New Zealand

Simple, 100% online process

1. Get to know you

Tell us about the business loan you want, then details about yourself and your finances.

2. Get your quote

Your small business loan quote will detail your interest rate, borrowing limit and repayments.

3. Get your money

If you’re happy with the quote, we need some last details and you should get the money within 24 hours.

What we offer

$2K - $70K

Loan limits
3 or 5 years

Loan terms
$200 or $450

Establishment fee

Early repayment fee
  • Interest rates from 6.99% p.a.24.69% p.a.¹
  • Establishment fee of $200 for loans under $5,000²
  • Establishment fee of $450 for loans $5,000 and over²
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Find out more about our rates and fees

Quick business loan estimate

Get a quick estimate of interest and repayments on your business expenses loan with our online calculator.

Common business loan questions

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Can anyone apply for a business loan?

To apply for a small business loan in New Zealand:

  • You must be at least 18 years of age
  • You must be an NZ citizen or Permanent Resident
  • You must show proof of a stable income

To apply for a small business loan in Australia:

  • You must be at least 18 years of age
  • You must be an Australian citizen, Permanent Resident or New Zealand citizen
  • You must show proof of stable full-time or permanent part-time employment
  • You must show proof of identity such as a valid Australian passport or Australian driver’s licence
  • Your credit file should not include any bankruptcies, defaults or judgments
  • Your loan must be for a minimum of $2,000

Business loans with Harmoney are treated just like personal loans. We’ll tell you what documents we need to see at each step of the online application process.

What can I use a small business loan for?

Your business loan can be used to cover many expenses related to your business up to your loan limit, such as buying or upgrading equipment, stocking up on inventory, paying for services and registration fees, or just to help with short-term cashflow. However, a business loan can’t be used for general day-to-day business expenses. Let us know your plans when you make your online loan application.

Does a business loan affect my credit?

Harmoney business loans are taken out as personal loans in your name, so your credit rating will be influenced by your borrowing activity. Simply getting a quote from us for a business loan won’t affect your credit score. Only once you’ve approved the quote and apply will an application show on your credit file.

Even a business loan taken out under your business name may affect your personal credit if you’ve guaranteed the account.

What business records do you need to see?

Harmoney small business loans are a type of personal loan, designed to help people who may only be starting out in business or dealing with cashflow problems. This means we don’t need to see business tax returns, evidence of turnover or how long your business has been operating unless you’re self-employed.

If you are self-employed we will require both your personal and business accounts from the last 3 months. We also need a personal tax return and profit and loss statement from the last financial year.

In Australia you also need to provide a Notice of Assessment.

Can I extend my business loan?

If you already have a business loan with us and you want to borrow more, it may be possible to arrange a loan top up if you’ve maintained a good credit and met your scheduled repayments for 6 months or longer.

Can I use a business loan to buy a car or fleet for my business?

If you need to finance a vehicle purchase, a car loan with Harmoney should be arranged separately.

Accelerate your business growth

Give your business a cash injection where it counts with a cashflow loan.

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Give your business a cash injection where it counts with a cashflow loan.

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100% ONLINE – 24/7

Apply for an online loan without leaving the house.

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Pay a fair interest rate on your business loan based on your personal credit assessment.

About business loans

Whether you are establishing a brand new business, expanding an existing company or need extra cash to help with expenses, a small business loan can help you on your way.

It’s important to understand the different aspects of business loans and how they affect you before choosing a loan.

Unsecured business loan

An unsecured business loan is a loan that does not require an asset, such as a car or computer, to be put forward as security. If you fall behind on loan repayments, you will need to pay an extra fee but won’t lose your assets, making this a safer loan option.

Harmoney only offers unsecured loans.

Secured business loan

Secured business loans require an asset to be offered up as security or collateral. If you default on repayments for a secured loan, your assets can be repossessed by your loan provider. Secured loans can sometimes carry lower interest rates but are a risky option due to the possibility of losing your assets.

Secured loans are not offered by Harmoney.

Line of credit

Line of credit can be established with loan providers, though it carries fees and interest, and is subject to eligibility requirements. It’s a service that allows you to draw on credit whenever it’s needed and is only available to established businesses. As Harmoney business loans are personal loans they are open to everyone, based on their individual circumstances.

Fixed vs variable loan

A loan can have one of two types of interest rate, either fixed rate or variable. A fixed interest rate remains the same from month to month, regardless of any external factors, whereas a variable rate will fluctuate in accordance with the market rate.

At Harmoney, our business loans always have fixed interest rates, meaning you can be certain of your payment amounts and are better able to budget.

Grow your business today

Make your business goals reality with a small business loan.

Types of personal loans

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Everything from flights to travel insurance to food and drink can be covered with a holiday loan.

Find out more

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Make your life simpler with debt consolidation, one easy payment that covers all your debts.

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Take the pressure off and focus on your studies with an education expenses loan.

Find out more

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Get the cash to buy your new car upfront – and take that power to the negotiating table.

Find out more

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Whatever stage your business is at, achieve your goals with a business loan from Harmoney.

Find out more

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Whether you need an extra bedroom, a new kitchen or are putting in a pool a home improvement loan can get your renovation plans off the ground.

Find out more

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Focus on your health and let a medical expenses loan from Harmoney cover the cost of your treatment.

Find out more

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Make your wedding dreams a reality with up to $70,000 towards your big day with a wedding loan.

Find out more

We're real people and we're here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 24.69% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply. 99% of loan applications are funded within 24 hours of loans terms being accepted (based on loans submitted in 2018).

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.