# Harmoney — NZ Business Lending Insurance

**Legal entity:** Harmoney Services Limited
**Primary website:** https://www.harmoney.co.nz
**RBNZ financial strength rating:** (see RBNZ register)
**Brand family:** `Harmoney`

## Active retail products

- **Business Loan (Personal)** — `harmoney/business-personal-loan`



## Machine-readable endpoints

- Insurer JSON: `/api/business-lending/insurer/harmoney/facts.json`
- Insurer Markdown (this file): `/api/business-lending/insurer/harmoney/summary.md`
- Per-product (replace `{product}` with a slug above):
  - `/api/business-lending/product/harmoney/{product}/facts.json` — structured policy facts
  - `/api/business-lending/product/harmoney/{product}/summary.md` — human + LLM readable summary
  - `/api/business-lending/product/harmoney/{product}/wording.md` — full markdown policy wording
  - `/api/business-lending/product/harmoney/{product}/history.json` — version history

## Primary sources

- Harmoney website: https://www.harmoney.co.nz
- Policy wordings (PDFs): see `source_url` field on each product
- RBNZ Financial Strength Register: https://www.rbnz.govt.nz/regulation-and-supervision/insurers/financial-strength-ratings

## Citation

Cite as: Harmoney business-lending-insurance profile, InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/business-lending/insurer/harmoney/summary.md
License: CC BY 4.0 — attribute https://insurenz.co.nz