Tools for evaluating smarter business funding

These tools are proof that CFF is a smarter way to fund your business.

Annual Turnover
$0
$0$5,000,000
Estimated month-end debtors balance
$0
$0$1,000,000
Estimated month-end stock
$0
$0$1,000,000
More and more businesses are saying yes to smarter business funding.
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.

You'll find it online, or at the bottom on the last page of your bank statement

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You'll find it online, or at the bottom on the last page of your bank statement

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Did you realise...

Your true bank interest rate could be higher because your bank charges an additional % account management fee annually.

You'll find it online, or at the bottom on the last page of your bank statement

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You have entered a comparatively high interest rate

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Too high or too low?

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 12 Dec. 2018 07:30 a.m. from interest.co.nz

EntityProduct DescriptionBase Rate % pa
On usage
Added Margin % pa
On usage
 O/D Mgt Fee
Used or Not
Total % pa% Premium Over
CFF
   RangeFlat %Range BetweenRange Between
ANZBusiness Overdraft11.751 to 51.4414.19 to 18.1935.14 to 73.24
ASBBusiness Lending10.171 to 51.4412.61 to 16.6120.10 to 58.19
BNZBusiness Overdraft10.451 to 51.8013.25 to 17.2526.19 to 64.29
HeartlandBusiness Funding10.001 to 51.4412.44 to 16.4418.48 to 56.57
KiwibankBusiness Overdraft9.901 to 51.2012.10 to 16.1015.24 to 53.33
WestpacOverdraft+$5,00013.951 to 51.2016.15 to 20.1553.81 to 91.90
CFFWorking Capital Overdraft10.500010.500


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.