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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 so quick and easy. new zealand
5.0 Wow quick and easy guys and thank you for being so patient with us who aren’t great with technology new zealand
5.0 Working with harmony is a very easy and pleasant experience and look Ford to more business with the later on new zealand
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

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, 5 or 7 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

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

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

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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.

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

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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).