Every piece you can mix
The alternatives
Supplier terms, customer deposits, invoice funding, asset refinance, a partner, a grant, the gear you never use — what each piece does well, what it costs you in other ways, and how it fits next to a loan.
Supplier terms
How NZ businesses use supplier trade credit as funding: longer terms, credit limit increases, consignment and payment plans — what to ask and how to protect it.
Open it →Customer deposits
How NZ businesses use customer deposits, prepayments, progress billing and pre-sales as funding — how much to ask, GST timing and when it stops being enough.
Open it →Invoice funding
How invoice funding fits a NZ funding mix: advancing cash on business invoices, where it beats a loan, where it doesn't, and how it sits with other security.
Open it →Asset refinance
How asset refinance works in NZ: borrowing against vehicles, machinery and equipment you own outright, or sale and leaseback, to fund a new business goal.
Open it →Equipment finance vs loan
Equipment finance vs a business loan in NZ: security, terms, flexibility, GST and Investment Boost — and how to decide which piece suits your purchase.
Open it →Line of credit buffer
Using a business line of credit as the buffer layer in a NZ funding mix: when it beats a loan, how to size it, and habits that stop it becoming permanent debt.
Open it →Property-secured funding
How property-secured business funding fits a NZ funding mix: first and second mortgages, caveat-style security, $20k to $5m, and when to keep property out.
Open it →Partner or investor
When a partner or investor belongs in a NZ funding mix: angels, working partners, convertible notes and crowdfunding — and how equity compares with a loan.
Open it →Grants and support
What NZ business grants and support really exist in 2026: Regional Business Partner co-funding, MBIE R&D grants, MPI and Te Puni Kōkiri — a bonus layer.
Open it →Sell idle assets
How selling idle business assets can fund a goal in NZ: what to sell, where to sell it, GST and depreciation recovery, and when refinancing beats selling.
Open it →Got a goal? Let's mix the money for it.
Tell us the goal and the gap in about a minute. There's no credit check to start, nothing is blasted to a list of lenders, and one real person works out which piece you actually need.
No credit check to start
No spray and pray
A real person on your mix