{
  "vertical": "business-lending",
  "insurer": {
    "slug": "harmoney",
    "name": "Harmoney",
    "brand_family": "Harmoney"
  },
  "product": {
    "slug": "business-personal-loan",
    "name": "Business Loan (Personal)",
    "status": "active",
    "positioning_summary": "Harmoney offers $2K-$100K unsecured personal loans that NZ business owners commonly use for business purposes. Loan is in the personal borrower's name (not business name) — accounting treatment may be simpler. AI-assessed pricing; same-day funding typical (often within 5 minutes after acceptance)."
  },
  "wording": {
    "version": "html-capture-2026-05-18",
    "ingested_at": "2026-05-18T07:01:43.825969+00:00",
    "pdf_hash": "63c60b11ef819d86383ac407f26390d579e82995dad921760e6b1f9ec111f680",
    "source_url": "https://www.harmoney.co.nz/personal-loans/business-loans",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "fees": {
      "note": "Confirm in loan contract at acceptance — Harmoney publishes loan contract terms at /legal/loan-contract."
    },
    "eligibility": {
      "borrower_type": "personal_named",
      "borrower_assessment": "ai_personal_credit"
    },
    "max_loan_nzd": 100000,
    "min_loan_nzd": 2000,
    "security_type": "unsecured",
    "capture_method": "live",
    "repayment_freq": null,
    "max_term_months": null,
    "min_term_months": null,
    "rate_disclosure": {
      "kind": "per_quote",
      "text": "Harmoney publishes a 'from' rate only. Specific APR is set per-applicant via AI-driven individual credit assessment — not advertised in advance.",
      "source_url": "https://www.harmoney.co.nz/personal-loans/business-loans",
      "pricing_model": "personal_credit_based"
    },
    "distinction_note": "Loan is in borrower's PERSONAL name (not business name). Personal liability + personal credit impact. Differs from true business loans like Prospa/Bizcap.",
    "security_required": false,
    "min_trading_months": null,
    "min_monthly_revenue_nzd": null,
    "funding_speed_advertised": "Most loans funded within 24 hours; funds released within ~5 minutes after loan acceptance"
  },
  "endpoints": {
    "summary": "/api/business-lending/product/harmoney/business-personal-loan/summary.md",
    "wording": "/api/business-lending/product/harmoney/business-personal-loan/wording.md",
    "history": "/api/business-lending/product/harmoney/business-personal-loan/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/business-lending/product/harmoney/business-personal-loan/facts.json",
  "generated_at": "2026-05-18T08:38:03.922Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}