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Personal loans Business loans

Business loans

Start growing your business.

Personal business loans with fixed personalised interest rates from 6.99% p.a. to 19.99% p.a. (plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar winner 7 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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Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.

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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.

What our customers say

5.0 wow quick and easy new zealand
5.0 Wow.. dealing with Harmoney has been the simplest and quickest loan application I have ever experienced. Outstanding service and life savers. new zealand
5.0 Wow very fast service, and easy application to follow with help at your finger tip. Also happy with the interest rates. new zealand
5.0 wow I can't get over how nice and easy that was and I'm really happy they way they worked out the best interest rate for me, I thought they were taken too long for my quote but they were just making sure they got it right, so I'm sorry for thinking that as I was born with no patience and thank you so much from Tom new zealand
5.0 Wow! Fast and easy service! Thanks so much! new zealand
5.0 Always great to do business with Harmoney New Zealand
5.0 Wow, how quick and easy was this..... would recommend 100% , new zealand
5.0 So efficient. My go-to when my business needs quick cash flow. Thanks so much. new zealand
5.0 Wow !!superfast response
Thank you
new zealand
5.0 WOW! what a quick and easy process, well done! Great experience, thanks! new zealand
5.0 I have had 3 loans from HArmoney.Their fast and efficient process is far superior to anything the banks offer. They also offer no penalty repayments which I have done .Their rates are competitive and equal if not better what the banks are offering.
In the future I will put all my business via HArmoney
Wellington, New Zealand
5.0 The service is so good and its a pleasure to shop with you. , new zealand
5.0 Wow, so easy! , new zealand
5.0 Wow! Smooth online process, no hiccups, user friendly & all straight forward. Auckland, New Zealand
5.0 In all honesty Wow. The customer service is impeccable. I'm computer illiterate. Every one involved helped me out big time. Thank you Harmoney. new zealand
5.0 Thank you for giving me the opportunity to grow my business! new zealand
5.0 Wow amazingly easy New Zealand
5.0 Wow great service quick and easy New Zealand
5.0 Wow. That was awesome. Can't believe how easy it was New Zealand
5.0 Wow that was the best!! New Zealand
5.0 Really easy - thanks to Brad for his follow up call even though I was pressuring him for a better rate.. I shopped around but no-one could beat Harmoney's offer.. so thank you New Zealand
5.0 Wow this was so easy and fast to do . I'm so impressed New Zealand
5.0 Absolutely great, exactly how I like to do business New Zealand
5.0 Once I had an understanding of your business model, I've been suitably impressed! New Zealand
5.0 Wow what a fantastic non-embarrassing way to apply for funds! New Zealand
5.0 Wow so quick and easy really took the stress out of requesting a loan New Zealand
5.0 Wow so fast and a great rate glad I’ve gone with Harmony awesome service! New Zealand
5.0 It is such a pleasure to do business with your company, the people that you talk to when your not sure on things are awesome and don't make you feel silly when you ask a weird question. New Zealand
5.0 Process was seamless and efficient and a pleasure to do business with Harmoney New Zealand
5.0 Amazed at the quick service WOW New Zealand
5.0 Wow..so quick and easy New Zealand
5.0 Wow never had a majority automated loan approval process like that. It was really quick. New Zealand
5.0 Wow. Kris was awesome , thank you so much Kris and the team at Harmoney. New Zealand
5.0 Wow supper easy! Took longer to find my Customer number from my bank than filling in the application form. Painless effortless New Zealand
5.0 WOW, amazing New Zealand
5.0 Awesome people to do business with New Zealand
5.0 quick and easy as always. very supportive of local businesses. New Zealand
5.0 Wow best ever New Zealand
5.0 wow very fast and effecient no long waits too notch thank you. New Zealand
5.0 wow, just wow amazing New Zealand
5.0 Super quick, Didnt have to be within business hours New Zealand
5.0 Thank you for your easy way of doing business New Zealand
5.0 Awesome business , quick and easy . Thank you New Zealand
5.0 Harmony is streamlined which gives me pleasure and confidence in approaching this shop New Zealand
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 always good to do 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 Wow, this was pretty straightforward and easy to follow - thank you. New Zealand
5.0 Quick, easy and affordable process. This loan has enabled me to grow my business by investing in much needed plant. I was given a pre approved amount which gave me confidence to complete the purchase prior to drawing down the funds. Thanks New Zealand
5.0 Wow amazing service New Zealand
5.0 Amazing - easy to follow. Nice to be able to apply from home through business hours. New Zealand
5.0 Easier and get to do business with New Zealand
5.0 Very easy and quick with almost immediate results. Great team to do business with. , New Zealand
5.0 Thank you are easy to do business with New Zealand
5.0 Very happy with harmoney, quick and easy. Thanks a lot harmoney, I will definitely do business again with harmoney in the future New Zealand
5.0 thank you Grace for all your help with this transaction you have been most helpful and patient with me . you were very well mannered and kind which you do not get in the business world today I would recommend you for promotion and a pay rise Thank you once again New Zealand
5.0 Wow amazing service. So fast and efficient. Now I can bid for my new home. Thank you so much. New Zealand
5.0 Harmoney has enabled us to move our business to the next and final stage for national and international launch. New Zealand
5.0 Wow, what an amazing team from Harmoney I do appreciate everything from today only I finally complete my application and it approved. God bless New Zealand
5.0 Wow that was easy if you had all your cards and details. Otago , New Zealand
5.0 altho i havent shopped with Harmoney, i know getting my wife a higher vehicle to make getting in and out of a vehicle easier. thank you. New Zealand
5.0 Wow, that was an experience! New Zealand
5.0 This is amazing thank you very much for this experience its been lovely doing business with you and hope to do so again sometime down the line :-) New Zealand
5.0 Always best service, no. one business for 21st century, Well done New Zealand
5.0 Atama has been really Great, Really appreciate his assistance with my application, Overall Harmoney has been great, Love doing Business with you New Zealand
5.0 Wow very fast without any concerns. Thanks Harmony! New Zealand
5.0 I am very happy with Harmoney, they understood my situation and helped with funds to start off my business New Zealand
5.0 Harmoney always delivers which is why they always get my repeat business. 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 Excellent and encouraging. If only more business can do what you're doing to help people like us. WILL BE LOYAL... New Zealand
5.0 Wow, you guys are excellent, brilliant service, easy to complete the online application and other information, thank you very much. New Zealand
5.0 Never been disappointed with Harmoney loan system, fast approved helping my business successful. New Zealand
5.0 Same day approval - WOW New Zealand
5.0 Wow, quick and easy. Thank you New Zealand
5.0 WOW so quick New Zealand
5.0 Terrific!!!.You guys are in business and you know how to look after clients.Amazing. 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 Beautiful service, friendly staff, knowledgeable, great customer service skills and very helpful. On time and delivered what they promise- I definitely recommend your business to people- thank you so much. Thank you so much Ana and the team, it was a top notch service New Zealand
5.0 wow what cant i say except you guys are the best New Zealand
5.0 An excellent service which has been of great benefit to my Business so far. 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 Very impressed with the high quality application process which is so efficient. Very grateful for the funds to assist with operation of my business whilst I am on overseas leave for a month. 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 Quick,informative and straight forward.
A great company to do business with.
New Zealand
5.0 WoW New Zealand
5.0 wow....Harmoney you did it again. No fuss, no taking time off work, no paper, what more can one ask for! The BEST service ever. New Zealand
5.0 wow that was so easy to do thank you so much Harmoney Otago , New Zealand
5.0 all i can say wow thank you very much. New Zealand
5.0 Wow! really quick and easy. Thank you! New Zealand
5.0 Wow i'm thrilled with the online process and the friendly customer service via telephone. Also the online chat support from the team. i hope my loan is approved and funded as specify. New Zealand
5.0 Wow what an awesome and quick service without leaving the comfort of your home
A peace of mind experience as always thank you Team
New Zealand
5.0 Wow! Super impressed, fast, easy and user-friendly. Thanks! New Zealand
5.0 Fantastic. The service is quick and professional. When my business begins to fly I will definitely invest in harmoney. New Zealand's Best finance company. New Zealand
5.0 Once again, A privilege doing business with such a professional team. New Zealand
5.0 Best team in the business New Zealand
5.0 Shopping Experience lol One Stop Shop Here, Thank You All! 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

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

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

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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100% ONLINE – 24/7

Apply for an online loan without leaving the house.

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

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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

Car icon v12

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

Find out more

Personalised rates icon v22

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

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Debt con icon v11

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

Find out more

Holiday icon v10

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

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

Medical icon v12

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

Find out more

Renovation icon v11

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

Wedding icon v10

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 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 loan terms being accepted (based on loans submitted in 2021).