To apply for a small business loan in New Zealand:

  • You must be at least 18 years of age
  • You must be an NZ citizen or Permanent Resident
  • You must show proof of a stable income

To apply for a small business loan in Australia:

  • You must be at least 18 years of age
  • You must be an Australian citizen, Permanent Resident or New Zealand citizen
  • You must show proof of stable full-time or permanent part-time employment
  • You must show proof of identity such as a valid Australian passport or Australian driver’s licence
  • Your credit file should not include any bankruptcies, defaults or judgments
  • Your loan must be for a minimum of $2,000

Business loans with Harmoney are treated just like personal loans. We’ll tell you what documents we need to see at each step of the online application process.

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