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Compare business loans

Business Loan Calculator NZ

Use our business loan calculator to estimate your business loan repayments and see what your business can afford each month. Select your interest rate and preferred loan term to adjust your repayment amounts. 

Business Loan Calculator

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Loan Calculation

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*Please note, the calculator does not take into consideration any lender fees, setup fees, referral fees etc. 

Can your business afford a business loan?

A business loan calculator is a great way to pre-assess what loan repayments your business can afford per month while still operating efficiently.

A business loan lender in New Zealand will assess your servicing by calculating your buisness income minus your expenses. If your business is in profit every month and has a healthy bank balance an approval will be more likely.

If your business finds it struggles each month to successfully pay operating expenses your chances of a business loan approval will decrease.

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Business Loans NZ Calculator
Free Application Management

ready to take the next step?

Chat with us today and get your business loan application started. We can assist in helping you prepare everything required for your business loan application.

Business loan lenders in New Zealand

We are partnered with multiple business loan lenders throughout NZ. Each lender provides different types of business loans and will offer different rates for small business loans depending on your business’ financial situation and financial history.

Heres a few lenders we work with and their basic lending criteria.

Get capital small business loans

Fast flexible business finance

• Loans from $5000
• Minimum 9 months trading
• Unsecured to $50k
• 10k or more monthly revenue
• Cashflow, asset, equipment finance

Heartland bank small business loans

Give your business a boost

• Unsecured up to $100k
• Terms up to 5 years
• Secured loans available
• No early repayment fees
• Interest rates from 11%

Fundtap invoice finance nz

Invoice Finance

• 100% online
• Loan off your outstanding invoices
•Funds in 24hrs
• Fast source of cashflow
• Use it when you need it

Pioneer Finance NZ

Your loan, tailored to you

• 100% online application
• Loan terms up to 7 years
• Secured finance
• Finance up to $100k
• Business finance for any reason

efco small business finance nz

We Finance Dreams

• 100% online
• From 8.95%
•Decision in 24hrs
• Startup business loans
• Vehicle finance, asset finance, cashflow loans

Zip Capital small business loans nz broker

Grow your Business with Zip Capital

• Unsecured up to $500k
• Repayment up to 5 years
• Rates from 9%
• No early repayment fees
• Decision within 24 hours

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Considering a business loan? We'll get you approved funding from the right lender!