Fill in your details now to lock in a great rate.
More and more businesses are saying yes to smarter business funding.
CFF
Cash Flow
Funding
Funding
These tools are proof that CFF is a smarter way to fund your business.
Get a quick quote
Annual Turnover
$0
Estimated month-end debtors balance
$0
Estimated month-end stock
$0
More and more businesses are saying yes to smarter business funding.
Funding Calculator
See if you're getting the best deal
Our business funding calculator is quick and easy to use. Fill in the details below so we can show you how much you can save and how much you can borrow.
Compare Rates
Compare market rates
CFL has chosen to highlight its working capital facility rate by way of comparison to the overdraft facility rates charged by the major trading banks operating in New Zealand.
Despite the trading banks commonly being perceived as the lowest cost providers it is not necessarily the case.
The overdraft management fee, also known as a line fee, is a percentage of an overdraft's limit and is charged annually. It is charged even if you do not use the facility. Meaning that if you arrange an overdraft facility of $100,000.00 you will be charged between $1,200.00 and $1,800.00 per annum.
Based on information as at 22 Dec. 2024 07:30 AM from interest.co.nz
| Entity | Product Description | Base Rate % pa On usage | Added Margin % pa On usage | O/D Mgt Fee Used or Not | Total % pa | % Premium Over CFF |
| Range | Flat % | Range Between | Range Between | |||
| ANZ | Business Overdraft | 14.35 | 1 to 5 | 1.44 | 16.79 to 20.79 | 59.90 to 98.00 |
| ASB | Business Lending | 12.52 | 1 to 5 | 1.44 | 14.96 to 18.96 | 42.48 to 80.57 |
| BNZ | Business Overdraft | 12.00 | 1 to 5 | 1.80 | 14.80 to 18.80 | 40.95 to 79.05 |
| Heartland | Business Funding | 10.00 | 1 to 5 | 1.44 | 12.44 to 16.44 | 18.48 to 56.57 |
| Kiwibank | Business Overdraft | 7.50 | 1 to 5 | 1.20 | 9.70 to 13.70 | -7.62 to 30.48 |
| Westpac | Overdraft+$5,000 | 13.95 | 1 to 5 | 1.20 | 16.15 to 20.15 | 53.81 to 91.90 |
| CFF | Working Capital Overdraft | 10.50 | 0 | 0 | 10.50 | 0 |
Disclaimer: Every possible effort has been made to keep the information in the rates tables as accurate as possible, however, no party accepts any liability for any inaccuracies or any loss suffered as a result. It is strongly advised that readers check all details directly with the provider concerned.
