Start with the goal
Remix by goal
Pick what you're trying to do — stock, staff, gear, a tax bill, a fit-out, a second site — and see the mix of routes that could pay for it, loan and non-loan.
Buy stock
How NZ businesses fund stock without a loan: supplier terms, consignment, pre-orders, selling slow lines and when a loan is the smarter piece of the mix.
Open it →Hire staff
How to fund hiring staff in NZ: the true cost of a hire, the ramp-up gap, and a mix of deposits, invoice funding, own cash and finance to cover it.
Open it →Buy equipment
Ways to pay for business equipment in NZ: trade-ins, supplier deals, refinancing gear you own, Investment Boost timing and equipment finance for the rest.
Open it →Cover a tax bill
Options for paying a big GST or provisional tax bill in NZ: IRD instalment arrangements, tax pooling, the ratio or AIM options and when business funding fits.
Open it →Fit out a shop
How to fund a shop, café or office fit-out in NZ: landlord contributions, rent-free periods, staged builder payments, equipment finance and a loan for the gap.
Open it →Buy a business
How to finance buying a business in NZ by mixing vendor finance, your own cash, a partner, property-secured funding and a loan sized to the gap.
Open it →Fund a big contract
How to fund a large contract in NZ: mobilisation payments, milestone billing, supplier terms, invoice funding, retentions and a facility for the cash dip.
Open it →Bridge a slow season
How NZ seasonal businesses bridge the quiet months: peak reserves, supplier timing, pre-sales, provisional tax options and a line of credit set up early.
Open it →Open a second site
How to fund a business expansion in NZ: open a second site with landlord help, equipment finance, site-one profits, property equity and a right-sized loan.
Open it →Upgrade tech
How NZ businesses fund a tech or systems upgrade: phased rollouts, subscriptions, hardware finance, Investment Boost limits, R&D grants and a loan for the rest.
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