Helping Eligible Small Businesses Grow Or Cover Unexpected Expenses

Kiwi small businesses trust Kingbird to provide funds to help keep them moving. Could your business use a bit of a cash flow boost right now?

  • Grow or expand your business
  • Support working capital
  • Cover invoice gaps
  • Repair equipment or machinery
  • Pay staff or suppliers
  • Marketing campaigns or a website
  • Buy office or café furniture
  • Manage late paying customers
  • Purchase urgent stock

Funding possible within 24hours *

Business loans from $5K to $500K*

Repayments that work with your cash flow*

Loan terms from 3 to 36 months*

There is no asset security required upfront to access funding up to $150,000*

No repayments for the first 8 weeks on business loans settled by 31 December*.

The offer will extend the loan term by 8 weeks and interest will accrue from the settlement to the end of the term. Click here for full terms & conditions and eligibility criteria.

Step 1

Submit your details

First we need a few details about you and your business. Select the button below and fill out the form. It takes less than a minute and there’s no obligation.


Step 1

Speak to a specialist

We or our lending partner will call for a quick chat about your business and answer any questions you have. If you wish to proceed we will complete the application with you.

Step 3

Get a fast decision

The process is quick and easy. You’ll get a fast decision, with funding possible in 24 hours to approved applicants.

Does your business qualify?

You can apply for a Small Business Loan with Kingbird if you:

  • are a New Zealand Citizen (or Permanent Resident) and are over 18 years
  • own a New Zealand business (with a valid NZBN/IRD)
  • Turnover of more than $6,000 per month
  • Can demonstrate at least 6 months of trading

Terms and Conditions
The information on this website is provided for general information only and does not take into account your personal situation. You should consider whether theinformation is appropriate to your needs, and where appropriate, seek professional advice from nancial, legal and taxation advisers. Although every eort has beenmade to verify the accuracy of the information, Prospa, its ocers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded),for any error, inaccuracy, or omission from the information or any loss or damage suered by any person directly or indirectly through relying on this information.Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditionsapply. FSP663891. NZBN 9429046731678

LIMITED TIME OFFER: No repayment period offer available to new and existing customers on a new or refinanced Prospa Small Business Loan or Prospa Plus Business Loan that is approved and settled between 25 October and 31 December 2021 (inclusive). Approved customers can elect to take an optional initial no repayment period of between 1 to 8 weeks from the loan settlement date, during which interest will accrue but no repayments will be required. Total loan repayment term will be extended by the time equal to the selected no repayment period (1 to 8 weeks) and interest will accrue from the loan settlement date until the end of the term. Interest that accrues on the loan during the no repayment period is capitalised and included in the total interest expense and forms part of the regular fixed daily or weekly repayments due on each payment date following the end of the no repayment $500K period. Offer only available to businesses established and operating in New Zealand. Offer not available to refinance an existing Prospa loan that is within a no repayment period at the time of application, or in conjunction with any other Prospa offer. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.