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Personal loans Business loans

Business loans

Supporting Aussie businesses

Personalised rates from 5.35%¹
(comparison rate 6.14%)²

Our latest awards
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Borrow up to $70K with a small business loan

Whether you’re starting up or growing your company, a business cashflow loan can keep your business goals in sight.

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Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.

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A small business loan with Harmoney is taken out under your own name, not your business name, which can make accounting easier.

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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

5.0 I am very grateful to you for approving my loan as my own bank would not give me anything, cheers. australia
5.0 Very professional, friendly and reliable. australia
5.0 The best experience I've ever gad with a loan company. So simple and easy. You guys are a life saver. australia
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5.0 I would say very very fast and reliable cheers guys australia
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5.0 I’m still in awe, on how the process has been seamless, the staff has been professional, helpful and friendly. australia
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5.0 Harmony makes this process so simple
Could not be happier
5.0 Fast and efficient and no drama from start to finish. Appreciate you helping me getting my finances in order ready to start 2022 with one simple repayment. Thanks. australia
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Thank you for all your help
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Excellent rate offered
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5.0 The site is easy to navigate, my options are clearly laid out and it was simple to follow the process from start to finish.
Kudos to the techs behind it all!
5.0 Thank you so much for Harmoney for quick loan approved without any hassle, I appreciated your argent support and fast professional service, I personally recommend others whom need argent support, australia
5.0 awesome simple helpful Thankyou australia
5.0 Easy and pleasant to deal with. Communications were very good and contact was professional and friendly. australia
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5.0 Very simple process. I liked having my account linked. australia
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5.0 I am sooo looked after. Thanks australia
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5.0 A great follow up experience based on a previous acknowledgment to be able to access additional funds in support of my business initiatives. australia
5.0 Great Service, very help staff , highly recommend Harmony for any business owner. australia
5.0 very easy and professional australia
5.0 I appreciate how simple and fast this experience is australia
5.0 The website process is so simple, I personally liked that I did not need to speak to a consultant. I was concerned about providing bank details to a computer but it made it such a great experience. Overall very happy australia
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5.0 Harmoney has been a great help to me in achieving my goals, they are very professional and helpful with clear and fair terms and great products. Many thanks to the harmoney team. australia
5.0 Easy simple thankyou australia
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5.0 Excellent service. Fast and simple. australia
5.0 Super quick, wow. Quicker than the Big 4 bank I've been banking with for 20plus years. australia
5.0 Everything went quite smoothly. Thank you for all your help in this, cheers Adrienne australia
5.0 Really impress from harmony fast service, its really very fast process for apply loan with harmoney and simple procedure, thanks to all staff of harmoney australia
5.0 It was easy, simple and fast. Would highly recommend. Australia
5.0 Process was very user-friendly quick and simple Australia
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5.0 Very simple and fast for both application and approval. Australia
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5.0 So simple and really fair interest rates - very happy. Australia
5.0 Simple and easy Australia
5.0 Verry professional easy to apply very clear and fair terms and conditions Australia
5.0 So simple, straightforward and easy to use. I think the service is great. Australia
5.0 It’s been a very simple process Australia
5.0 Cheers this is a life changer for me Australia
5.0 Simple to organize Australia
5.0 So easy and simple Australia
5.0 Fantastic helpful professional Australia
5.0 So simple with very decent terms- would much prefer over the big banks Australia
5.0 Simple and easy to understand. The layout of the website, was very user friendly. Australia
5.0 Very easy to get funding Everybody body at Harmoney are easy to talk to and very helpful with any questions I had and help me every step of the way with my application. Cheers Peter Australia

Simple, 100% online

1. Get to know you

Tell us about the business loan you want, then details about yourself and your finances.

2. Get your loan terms

Your small business loan terms will detail your interest rate, borrowing limit and repayments.

3. Get your money

If you’re happy with the loan terms, we need some last details and you should get the money inside 24 hours.

What we offer

$2K - $70K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

Quick business loan estimate

Use our loan calculator to get a quick estimate of interest and repayments on a business expenses loan.

Common business loan questions

View more
Can anyone apply for a business loan?

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.

What can I use a small business loan for?

Your business loan can be used to cover many expenses related to your business up to your loan limit, such as buying or upgrading equipment, stocking up on inventory, paying for services and registration fees, or just to help with short-term cashflow. However, a business loan can’t be used for general day-to-day business expenses. Let us know your plans when you make your online loan application.

Does a business loan affect my credit?

Harmoney business loans are taken out as personal loans in your name, so your credit rating will be influenced by your borrowing activity. Simply getting a quote from us for a business loan won’t affect your credit score. Only once you’ve approved the quote and apply will an application show on your credit file.

Even a business loan taken out under your business name may affect your personal credit if you’ve guaranteed the account.

What business records do you need to see?

Harmoney small business loans are a type of personal loan, designed to help people who may only be starting out in business or dealing with cashflow problems. This means we don’t need to see business tax returns, evidence of turnover or how long your business has been operating unless you’re self-employed.

If you are self-employed we will require both your personal and business accounts from the last 3 months. We also need a personal tax return and profit and loss statement from the last financial year.

In Australia you also need to provide a Notice of Assessment.

Can I extend my business loan?

If you already have a business loan with us and you want to borrow more, it may be possible to arrange a loan top up if you’ve maintained a good credit and met your scheduled repayments for 6 months or longer.

Can I use a business loan to buy a car or fleet for my business?

If you need to finance a vehicle purchase, a car loan with Harmoney should be arranged separately.

Accelerate your business growth

Give your business a cash injection where it counts with a cashflow loan.

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We’ll give you a fair interest rate on your loan based on your credit assessment.

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100% ONLINE – 24/7

Apply for an online loan in minutes from home or the office.

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If you pay off your business loan ahead of time, we won’t charge a fee.

Grow your business today

Apply for a small business loan and achieve your business goals.

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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