"It's not just about construction. We're giving advances to businesses so they can buy timber and paint, but we've also made loans for high visibility jackets and road cones", she says.
But Horgan warns Christchurch businesses will soon rub up against three constraints. In fact some may already have done so.
Employment sits at the top of Horgan's list. "It's not just a question of finding the right people, there's also the question of keeping them.
"The problem is made easier because Christchurch's need is ramping up just as Australia's economy is ramping down.
"We're going to see a large migrant flow. The key is making it easy for migrants to move here.
"That also means finding accommodation for them. We've noticed a trend for 'tradies' to fly in to the city from the North Island to work for just a few days at a time.
"Once you have staff, you need to treat them well. If they get the impression they aren't valued, there are plenty of other employers to choose from."
Horgan says there is also a constraint on the supplies needed to fuel the rebuild, especially with building materials.
The city is drawing on the entire South Island with many suppliers running close to capacity.
A number of North Island businesses are already setting up to service the city.
Cash is Christchurch's third looming constraint.
Horgan says the issue for businesses in the city is that often they are growing faster than their ability to finance their growth.
"Companies find that all the profits and cash generated from one job are often not enough to pay for the materials to work on the next job."
She calls this problem overtrading and says it isn't something banks are generally geared up to deal with.
"Normally we deal with term loans. Businesses come to us looking for funds over the next five, 10, 15 years.
"In most cases we secure loans with assets. None of this works in Christchurch at the moment.
"We hear from companies that need loans over, say, 10 to 30 days."
BNZ has mandated Horgan to be as flexible as possible with businesses facing these conditions and that means relaxing some of the normal banking rules.
It also means less bureaucracy than normal.
She says the BNZ has lined up its resources and told bankers working on the ground they are able to make on the spot decisions about finance: "When necessary we can make decisions about business finance on the day".
She says as far as the rebuild is concerned, the policy is nationwide. So these looser rules apply as much to companies in, say, Rotorua wanting to sell products to Canterbury as much as to local firms.
To cope with the additional workload BNZ has increased the number of staff in Christchurch - many of them in specialist roles. There are business specialists, private banking specialists, property advisers and others.
"I have all our best minds thinking about how to free-up working capital".
Business constraints
• Employment
It's not just a question of finding the right people, there's also the question of keeping them.
• Building Supplies
The city is drawing on the entire South Island with many suppliers running close to capacity.
• Cash
"I have all our best minds thinking about how to free up working capital".
