Small business loans to help you get ahead
Unsecured business lending from $10,000 to $150,000 with longer terms and lower interest rates available. So you can reach your business goals.
Business funding without the need for security
Applying for business finance shouldn’t be complicated and you shouldn’t have to use your home as security.
Loan terms from 12 to 60 months
Interest rates from 7.99% p.a. to 11.99% p.a.
Unsecured loans from $10,000 to $150,000
Apply online in 3 minutes
Are you eligible?
If you tick the following boxes, you’re good to apply now!
- I’ve been in business for at least 6 months.
- I can show that I have at least $5,000 in monthly sales.
- I’m an Australian citizen or permanent resident.
- I am over 18, have valid ID and proof of my address.
- I’m a registered business, partnership or sole trader.
- My business is located in Victoria, New South Wales or South East Queensland.
- My credit looks good.
- The loan will not be used to pay tax arrears, or to fund a business acquisition.
We currently have restrictions on certain industries. You will be notified in the application process if your business meets our criteria.
How does it work?
Complete your application in just three minutes from your mobile phone, tablet or computer. Once submitted, we will let you know within a few seconds if your application could be accepted.
Provide us with your business financials, proof of address, valid ID, Australian Business Number and any other documents we might need to approve your application.
We will verify your details to confirm your identity and check the information you’ve provided.
Once your application has been approved, we’ll confirm your loan structure with you and send your documents to you to sign online. When everything’s been signed, we’ll aim to get the money to you within two business days.
Why choose Heartland?
We understand small businesses.
Open for Business is part of the Heartland Group which has been providing finance solutions for New Zealanders since 1875. The Heartland Group has been establishing itself as a leader in small business finance in New Zealand since 2015.
We’ve also helped more than 19,000 Australians aged 60 and over to live a more comfortable retirement with our market leading reverse mortgage product.
Now we’re bringing our small business loans knowledge and easy to manage application process to Australia.
Check out some of Heartland Group’s success in New Zealand
provided through business loans
business customers served
years in business
We’re here to help your business
Here’s what some of Heartland Group’s Open for Business New Zealand customers have to say.