Business borrowing with Fast Capital

Directors of New Zealand registered limited businesses can apply with Fast Capital. Sole traders, partnerships and trusts aren't eligible.

Your business doesn't need to bank with Kiwibank to apply. If your application is approved, we'll help you to join quickly so you can access your approved funds.

For other business borrowing enquiries, contact our Business Banking Specialists.

After you apply, our system performs detailed calculations using your Xero or MYOB AccountRight Live data and makes a borrowing decision. You'll receive an email with the decision within five minutes of applying. If your application is successful or we need more information, we'll be in touch to discuss next steps.

During the application process you'll be required to log in to your Xero or MYOB AccountRight Live account, where you'll authorise us to see your summarised financial data. It's important this information is accurate and current. We'll also assess your credit history to make our decision about your application.

Your financial information will be used and stored in accordance with our privacy policy.

After you’ve completed the application, you can manually revoke our access to your accounting software within your MYOB settings or Xero settings.

We'll chat to you about what product or product mix will best suit your business needs. This could be a business loan, business overdraft, business credit card or asset finance. We'll then aim to give you access to your borrowing within a few business days, however it may be longer if you're new to Kiwibank.