Peer-to-Peer Personal Loans for Business

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100% online
99% funded in 24hrs
Rates from 9.99%
Up to $35k unsecured

Personal Loans for Business

Personal Loans for Business

100% online
Rates from 9.99%
Up to $35k unsecured
99% of loans funded in 24 hours

Harmoney is New Zealand's leading Peer-to-Peer money Marketplace, where everyday people lend money to other everyday people.

Peer-to-peer Business Loans

It could be to buy new and used business assets – such as healthcare equipment, forklifts, vehicles, or manufacturing machines – or to bolster cashflow; whatever your business needs cash for, Business Finance is a simple way to get the funds you need to for you business.

What is Peer-to-peer Lending?

Peer-to-peer lending connects Borrowers and Lenders through an online marketplace, where borrowers post loan listings and Lenders choose loans to fund. It’s changing the way the world lends by using technology to create an automated, 100% online process, helping customers enjoy a better experience. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loan VS Business Loan.

Unlike a business loan, a loan through Harmoney is a Personal Loan, which means you take it out under your own name, and you are personally liable for all repayments. With personalised interest rates starting from a low 9.99%*, hundreds of entrepreneurial Kiwis have already started their business dreams through Harmoney. See our full schedule of fees.

Business Loan Calculator

Try using our loan calculator to see whether a business loan from Harmoney could work for you. It's an easy way to get an indication of what your repayments could be, and start your personal loan application.

Why get your personal loan for business through Harmoney?


100% online application.

Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.


Rates from 9.99%.

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.


Unsecured; no security needed.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

*The Legal Stuff

Harmoney's interest rates are offered based on the individual borrower's credit rating according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be a New Zealand resident aged 18 years or older with a valid New Zealand driver licence or valid New Zealand passport. You must have an acceptable credit record, as determined by Harmoney at its discretion.