Business loans
Start growing your business.
Won’t affect your credit score
Canstar's most awarded Personal Loan (ever)
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.
FAST CASH
Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.
LESS PAPERWORK
A small business loan with Harmoney is taken out under your own name, not your business name, which can make accounting easier.
DON'T RISK ASSETS
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
Thank you Harmony grateful & one happy customer xx
Jen 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
$150
Establishment fee
$0
Early repayment fee
- You can get a 3, 5 or 7 year loan term¹
- Secured fixed rates from 9.89%* p.a to 21.49% p.a.
- Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
- Establishment fee of $150
- You can repay weekly, fortnightly or monthly
- Your rate is fixed for the life of the loan
* If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.
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
View moreAccelerate your business growth
Give your business a cash injection where it counts with a cashflow loan.
100% ONLINE – 24/7
Apply for an online loan without leaving the house.
ACCELERATE YOUR BUSINESS GROWTH
Give your business a cash injection where it counts with a cashflow loan.
PERSONALISED RATE
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.
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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.
Terms and conditions
1.Loan terms subject to availability.
2. Subject to approval. 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 you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.