Combine, order, size
Stack it
How to size the gap, put the pieces in the right order, test the repayments and decide when a loan earns its spot in the mix.
Bank loan alternatives
Alternatives to a bank loan in NZ, built as a stack: shrink the ask with non-loan pieces, match each part to the right security, then approach one lender.
Open it →Finance business growth
Ways to finance business growth in NZ: profits, supplier terms, deposits, asset and invoice finance, equity and loans — matched to each type of growth.
Open it →Size your funding gap
How to size a business funding gap in NZ: map the goal's full cost, plot weekly cash in and out, subtract the pieces you control and find the true low point.
Open it →Order your sources
The order to use business funding sources in NZ: internal cash first, then supplier and customer money, asset-linked finance, general loans and equity last.
Open it →When a loan fits
How to tell when a business loan is the right piece of your NZ funding mix: payback timing, gap size, cost versus return, security and five signs to wait.
Open it →Secured plus unsecured
How to mix secured and unsecured business funding in NZ: which parts of a goal suit each, how security interacts on the PPSR and how to keep the mix manageable.
Open it →Repayment load test
How to stress-test business loan repayments in NZ before adding to your funding stack: slower sales, later payments, tax dates and a simple pass-or-fail check.
Open it →Young business stack
How young NZ businesses under two years old can fund a goal: owner money, deposits, supplier terms, asset finance, property security, partners and grants.
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