# Business Loan (Personal) — Harmoney

**Insurer:** Harmoney (`harmoney`)
**Product slug:** `business-personal-loan`
**Status:** active
**Vertical:** business-lending
**Extraction confidence:** inferred

**Wording effective:** html-capture-2026-05-18
**Source PDF:** https://www.harmoney.co.nz/personal-loans/business-loans
**PDF hash (sha-256, first 16):** `63c60b11ef819d86…`

## 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

_Not on file._

## Max Term Months

_Not on file._

## Min Term Months

_Not on file._

## 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

_Not on file._

## Min Monthly Revenue Nzd

_Not on file._

## Funding Speed Advertised

Most loans funded within 24 hours; funds released within ~5 minutes after loan acceptance

## Machine-readable endpoints

- Structured facts: `/api/business-lending/product/harmoney/business-personal-loan/facts.json`
- Full markdown wording: `/api/business-lending/product/harmoney/business-personal-loan/wording.md`
- Version history: `/api/business-lending/product/harmoney/business-personal-loan/history.json`
- Insurer profile: `/api/business-lending/insurer/harmoney/summary.md`

## Citation

Cite as: Harmoney Business Loan (Personal) policy facts (wording effective html-capture-2026-05-18), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/business-lending/product/harmoney/business-personal-loan/summary.md
Primary source: https://www.harmoney.co.nz/personal-loans/business-loans
License: CC BY 4.0 — attribute https://insurenz.co.nz