Questions, answered straight

Broadly, any way of funding a business goal other than a standard bank term loan. On this site we go further: we look at the whole mix of routes — supplier terms, customer deposits, invoice funding, asset refinance, equipment finance, partners, grants, idle assets and your own cash — and treat a loan as one piece rather than the whole answer.

We help New Zealand businesses work out the right mix and, when a loan is the right piece, match that gap to a suitable lender. We don't spray your enquiry to a crowd of lenders; one real person handles it.

Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat-style security over residential or commercial property. Unsecured and cash-flow options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.

No. Every business facility is priced on the business's own situation — security, trading history, the goal and the term — so a published rate would mislead more people than it helped. You'll see real pricing once a lender has assessed your situation.

No. There's no credit check when you first enquire. A credit check is only raised once you choose to go ahead with an option.

Bad credit is considered case by case, particularly where property security is available. Tell us what happened on the form; context matters and an honest picture helps us pick a route that can actually work.

IRD debt is considered case by case too. It also helps to talk to Inland Revenue about a formal instalment arrangement — an agreed plan reads far better to a lender than unpaid arrears with no plan.

Find out why if you can, then try the bank said no route finder. A decline often reflects one policy point — security, trading history, tax debt or thin profit — and a different route, or a smaller remixed ask, can work.

For larger amounts, residential or commercial property through a first mortgage, second mortgage or caveat-style security. Equipment can secure its own finance. Unpaid invoices from business customers can support invoice funding. Smaller unsecured options rely on turnover and bank statements.

No. Sole traders, partnerships, companies and trusts can all enquire. You'll need to be operating a business in New Zealand, and the funding must be for business purposes.

It's harder, because there's little trading history to assess. Property security, a partner's equity, supplier terms and customer deposits often carry more of the mix early on. Our guide to funding stacks for young businesses explains the options.

Often supplier terms are the first fader to push, because they can cost nothing if paid on time. Just make sure the extra time is agreed in writing and that you can meet the new due dates — stretching suppliers without agreement simply moves the problem.

Sometimes, but New Zealand grants are usually co-funded and tied to specific purposes such as management capability training or research and development. Your Regional Business Partner is the usual first contact. Treat a grant as a bonus layer, not the main piece.

It depends on the route. Unsecured options can move quickly once bank statements are in; property-secured funding involves a valuation and legal steps. We'll give you a realistic timeline when we call.

Usually photo ID, your NZBN or company details, recent business bank statements, GST returns and, for property-secured funding, the property details and existing mortgage balance. We'll tell you exactly what's needed for your route before you gather anything.

No. Everything we help arrange is for business purposes only.

Yes. We use your information to respond to your enquiry and arrange finance if you go ahead. Our privacy policy explains how it's handled under the Privacy Act 2020.