How it works
From first question to money in the account
Six steps, no runaround. The fastest loans go to owners who are clear about what they need and have their documents ready.
- 1
1. Tell us what you need (about 60 seconds)
The amount, what it's for, how long you've been trading, roughly what goes through the account and whether property is available. No credit check at this stage.
- 2
2. A real person calls you
Someone reads your enquiry and rings to understand the full picture — the deadline, the repayment plan, any IRD debt or credit history.
- 3
3. The fastest route that fits
Unsecured loan, line of credit, invoice or equipment finance, caveat-style loan, first or second mortgage — explained plainly, with real costs.
- 4
4. Documents
Bank statements (often shared securely online in minutes), ID for directors, your NZBN and — for secured loans — property details. Having these ready is what makes same-day possible.
- 5
5. Approval and signing
Unsecured loans are often signed electronically. Property-secured loans involve solicitors, who explain the documents and register the security.
- 6
6. Funded
Money goes to your account or straight to whoever needs paying — Inland Revenue, a supplier, a vendor.
What makes it fast
Speed comes from preparation and accuracy far more than from any lender's process. Read our guides on how fast a business loan can fund and the document checklist, or size your shortfall with the Cash Flow Gap & Fast Loan Matcher.
Common questions
How long does the whole process take?
Smaller unsecured amounts can fund the same day. Property-secured loans of $20,000 to $250,000 can be possible the same day, and larger amounts up to $5,000,000 within 24 to 48 hours in straightforward cases.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only happens once you've chosen to go ahead with a specific lender.
Will my details be sent to lots of lenders?
No. One person works on your enquiry and matches it to a suitable lender. We don't spray your details around.
Why do you ask for accurate answers?
Because the first match is only as good as the information behind it. Accurate figures mean the right lender first time — and that is what makes things fast.
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