> _Markdown transcription of Harmoney Business Loan (Personal) policy wording, effective html-capture-2026-05-18. Source: https://www.harmoney.co.nz/personal-loans/business-loans_ --- # Harmoney Business Loan (NZ — personal-loan-for-business) Source: https://www.harmoney.co.nz/personal-loans/business-loans Captured: 2026-05-18T07:01:43.689Z SHA-256: 63c60b11ef819d86383ac407f26390d579e82995dad921760e6b1f9ec111f680 ## Headline Personal loan ($2K-$100K) used for business purposes. Taken in borrower's personal name, not business name. AI-assessed, fast funding. ## Loan range $2,000 – $100,000 ## Security **Fully unsecured.** No requirement to put up home, vehicle, or other property. ## Pricing Rates set per-applicant based on individual credit assessment (AI-driven). Not one-size-fits-all — rates published as "from" tier only. ## Speed Most loans funded within 24 hours. Funds typically released within 5 minutes after loan acceptance. ## Distinction vs business-lender products Harmoney's "business loan" is a PERSONAL loan in the borrower's own name. Differs from Prospa/Bizcap (business-named loans). Worth flagging in advice context — personal-credit impact + personal liability are different.