1024x520 Barber 1x
Personal loans Business loans

Business loans

Start growing your business.

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

Our latest awards
Excellent Credit Personal Loan Award Badge 1
finder award 2019 v2
rate city 2021
rate city 2020 v2
mozo award 2018 v2
mozo award 2018

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.

Time icon v15

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

Business icon v8

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

Unsecured house icon v3

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 Simple process australia
5.0 So simple and so quick would highly recommended australia
5.0 Fantastic reliable and professional company. australia
5.0 Very prompt and professional service. australia
5.0 Quick service and friendly , simple process. australia
5.0 I found the process super efficient and professional in providing all the information I needed australia
5.0 very simple and easy to follow instructions. australia
5.0 Fantastic and professional australia
5.0 Very professional australia
5.0 Unbelievably simple! australia
5.0 Easy to deal with right from the start very professional. Everything was on line, my loan was approved within 48 hours. NSW, australia
5.0 Such a user friendly experience, simple and easy to contact customer service when needed as well australia
5.0 It was quick and professional. australia
5.0 An easy simple process. Thank you. australia
5.0 Always easy and professional australia
5.0 Very quick process, simple system would save customers time, flexible for terms and offers. australia
5.0 I was stressed about the whole situation but I shouldn’t have they’re professionals there was no pressure. australia
5.0 By far the most easiest contract to read and understand. Simple easy and quick. australia
5.0 Very simple and easy process. Strongly recommending you guys to anyone. Thanks. australia
5.0 Efficient, professional and very helpful australia
5.0 Very easy and simple to do australia
5.0 Very simple and easy to use. With helpful professional staff. Thankyou australia
5.0 It has been a pleasure to do business with you australia
5.0 Absolutely love the simple and quick online application process. And to be approved within 24hrs. Speechless! I am one happy customer who will be loyal to the company in the future. australia
5.0 Very simple and painless process australia
5.0 Quick and easy to do business with. Thankyou! australia
5.0 Very easy; quick, simple application process. australia
5.0 The whole experience has been easy and relaxed and the professional staff were fantastic to deal with australia
5.0 Always professional and great service received V I C, australia
5.0 Yeah it was quick and simple australia
5.0 Simple easy australia
5.0 Very quick and simple process Amazing thanks heaps australia
5.0 was quick and simple australia
5.0 Great honest and professional australia
5.0 The loan process is very simple and easy to use. australia
5.0 Products are simple, easy and contracts quick and effortless, happy with overall experience in dealing with Harmoney - Superb! australia
5.0 Simple and easy as usual. Thank you Harmoney team. australia
5.0 So simple and easy process. Very happy to continue using this service. Thank you so much. New caravan on the way australia
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
5.0 Professional, clear and efficient. australia
5.0 Very simple process! Thank you Harmoney. australia
5.0 Great experience easy laid out format. Made simple. australia
5.0 I would say very very fast and reliable cheers guys australia
5.0 Very easy simple application and very professional service australia
5.0 I’m still in awe, on how the process has been seamless, the staff has been professional, helpful and friendly. australia
5.0 WOW australia
5.0 Simple, fast and painless australia
5.0 Very quick and easy. Fantastic way to secure more funds for my business australia
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
5.0 Very simple process. Friendly customer service.
Thank you for all your help
5.0 Very easy simple and quick australia
5.0 Easy to use website, instructions made simple and efficient. australia
5.0 Fast and professional service australia
5.0 Simple and easy, fair interest rate. australia
5.0 easy process, simple plans. australia
5.0 Easy and convenient, cheers australia
5.0 Nice and quick. Very professional australia
5.0 Easy. Simple australia
5.0 Simple, clear and efficient loan application australia
5.0 Quick and simple terms australia
5.0 Professional and personal interaction just fantastic australia
5.0 Always a very quick and easy process with no hassles. Ideal for a busy professional person who has limited time. australia
5.0 You made it simple! Thanks australia
5.0 So quick
So easy
Extremly professional
5.0 Simple to navigate australia
5.0 So efficient. So simple. Cannot fault the service. australia
5.0 Really simple and fast. australia
5.0 Easy and simple australia
5.0 Simple and fast. australia
5.0 Easy simple
Excellent rate offered
5.0 Easy and simple application, this is my 3rd. australia
5.0 Simple process and easy to apply! australia
5.0 Awesome service very quick Simple to use australia
5.0 Quick and simple australia
5.0 Super quick, easy process! Loan approved within 3 hours business time! Super happy australia
5.0 This was the fastest and simplest loan I’ve ever had. We’ll done australia
5.0 So simple and easy to navigate site australia
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
5.0 So helpful and simple process australia
5.0 Wow! australia
5.0 Super simple and painless process! australia
5.0 Very simple process. I liked having my account linked. australia
5.0 Easy to use, efficient and clear simple process australia
5.0 So quick and simple. australia
5.0 Very professional and competent process I would highly recommend australia
5.0 Very quick and simple australia
5.0 Easy and simple process, helpful staff, will be recommending!! australia
5.0 I am sooo looked after. Thanks australia
5.0 Very professional and easy to navigate website australia
5.0 The process is simple and the staff are helpful australia
5.0 Simple and easy to process application australia
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

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, 5 or 7 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.

Personalised rates icon v28

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

100 online icon v16
100% ONLINE – 24/7

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

Repayments icon v11

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.

Customer service m wide min v3