Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only happens once you've seen your options and decided to proceed.
How fast can I get a business loan?
Smaller unsecured amounts can sometimes fund the same day. Property-secured loans of $20,000 to $250,000 can be possible the same day, and up to $5,000,000 within 24 to 48 hours in straightforward cases.
How much can I borrow?
Unsecured and cash flow options typically run from $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans run from $20,000 to $5,000,000.
Do I need to own property?
No. Many businesses borrow unsecured. Property — residential or commercial — opens up larger amounts and can help with credit issues or tax debt.
Can I use my home as security?
Yes. A second mortgage or caveat-style loan can sit behind your existing home loan without refinancing it, for business purposes.
What's the difference between a first and second mortgage business loan?
A first mortgage ranks first on the title, usually on unencumbered property or as a refinance. A second mortgage sits behind your existing bank mortgage and leaves it untouched.
Can you help if I owe Inland Revenue?
Often. IRD debt is considered case by case, and a loan can clear GST, PAYE and income tax arrears in one go.
I have bad credit. Can I still apply?
Yes. Past credit issues are considered case by case. Recent trading and property equity often matter more to non-bank lenders than an old default.
How long do I need to have been trading?
Unsecured lenders usually like six to twelve months. Newer businesses may still qualify with property security.
What documents will I need?
Usually three to six months of business bank statements, photo ID for directors, your NZBN and a clear purpose. Secured loans also need property and mortgage details.
Do you publish interest rates?
No. Every loan is priced on the business's own circumstances, so a headline rate would mislead. You'll see real costs before you commit.
Will my details be shared with lots of lenders?
No. One person works on your enquiry and matches it properly — no spray-and-pray.
Can interest be prepaid or added to the loan?
With many property-secured loans, yes — which can mean no repayments during a tight period. We'll explain how it affects the total cost.
Can I repay early?
Often, though terms vary. Ask about early repayment before you sign, especially for short-term loans.
Do you lend for personal purposes?
No. We help with business purposes only.
Which parts of New Zealand do you cover?
The whole country. Our office is in Auckland, and most of our work happens by phone and online.
Still wondering? Ask us directly in a 60-second enquiry or call 09-888 5252.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real Kiwi on the phone