Grow – Working Capital Finance
Working Capital Finance
Designed to give farmers and agribusiness owners quick, flexible access to funds for specific operational needs. Whether you need to cover input costs, working capital finance could be for spring fertiliser applications, spread your farm insurance premiums, or for cropping inputs.
Approved applicants are automatically approved for up to $150,000. Larger amounts are available, however, will require additional security arrangements put in place.
Grow - Working Capital Finance
*Rates valid from October 1st, 2025. Subject to change without notice.
10.25%*
12 months
Grow - Working Capital Finance
Working Capital Finance gives you quick, no-fuss funding when you need it the most. Whether you're restocking, servicing equipment or managing cashflow, it’s a simple way to keep things moving and stay focused on the season ahead.
Instant approval for loans up to $150,000
Borrow between $150,000 - $1 Million. Additional security arrangements will be required.
Short-term finance to support operational expenses
Repayment terms tailored to your cashflow
Instant approval for loans up to $150,000
Borrow between $150,000 - $1 Million. Additional security arrangements will be required.
Short-term finance to support operational expenses
Repayment terms tailored to your cashflow
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Eligibility Conditions
To be eligible for a Grow - Working Capital Finance, you’ll need to meet the following criteria
You must be 18 or older
You must be NZ citizen or permanent resident
What we require
If your farm or agribusiness needs access to capital without the hassle of a long approval process, Working Capital Finance offers a simple, efficient solution. Whether you’re restocking, maintaining equipment, or navigating a tight cashflow period, this facility provides the breathing room to stay focused on the season ahead.
Government-issued ID
Your driver's license or passport
Proof of address
A utility bill or bank statement with your address
Documents
Balance Sheet & Budgets
Disclosure Statement
GrowPay has partnered with Heartland Bank Limited to provide access to a range of personal and business loan products. Heartland Bank Limited is a licensed registered bank, regulated by the Reserve Bank of New Zealand under the Reserve Bank of New Zealand Act 1989, and registered as a Financial Service Provider in New Zealand (FSP number: FSP53901).
All loan applications submitted through GrowPay are referred to Heartland Bank and are subject to Heartland’s independent credit assessment, lending criteria, and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003 (CCCFA). GrowPay does not provide credit decisions or financial advice and acts solely as a digital interface.
To view loan terms, fees, and eligibility requirements, please refer to https://www.heartland.co.nz/about-us/documents-and-forms or consult Heartland Bank’s or GrowPay for full lending documentation. GrowPay does not provide credit decisions or financial advice and acts solely as a digital interface.
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