Small Business Loans

Fast, simple online application. Decision in seconds.

Apply in minutes. Get a decision in seconds.


Heartland Bank understands small business. Our Open for Business application makes it quick and easy to access finance – whether it is for working capital, purchasing stock, vehicles or a new franchise.

  • Borrow up to $50,000 unsecured
  • Secured loans up to $250,000
  • Finance for starting up and growing your business
  • No need to mortgage your home
  • No need to change your bank

How to get a Small Business Loan

We understand that you’d rather spend time on your business and not filling out paperwork so we have made our online application easy.

  1. 1

    Apply online wherever you are.
    It only takes a couple of minutes to fill in your details and complete our online application.

  2. 2

    Get a decision in seconds
    We'll assess your business performance to let you know how much finance you can access.

  3. 3

    We'll get in contact
    One of our Open for Business specialists will contact you to confirm the details.

Need further information or assistance on financing your business? Call the friendly Open For Business team on 0800 80 91 91 or email

Interested in starting up your own business? Check out the business plan template available on the website.

Lending criteria, fees, and terms and conditions apply.

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Complete an application online now and receive $100 off your establishment fee!

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Lending criteria, terms and conditions apply. $100 discount on the establishment fee only applies to business loans successfully drawn down.