Industries
Business loans by industry
Hospitality, trades, farming, tourism, transport, horticulture and more — each Kiwi industry has its own cash cycle, and lenders read each one differently.
Hospitality
Hospitality business loans in NZ for cafés, restaurants and bars — fit-outs, kitchen gear, winter cash flow, GST and wages, fast.
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Construction and trades
Business loans for NZ builders and tradies — materials, wages, retentions, plant, utes and the gap before progress payments land.
Read more → Farming and rural
Rural business loans in NZ for dairy, sheep and beef farms and rural contractors — seasonal cash flow, machinery, IRD debt and fast property-backed bridging.
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Tourism
Tourism business loans in NZ for tour operators, lodges, motels and hire businesses — off-season cash flow, vehicles and upgrades.
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Retail
Retail business loans in NZ for shops and online stores — pre-Christmas stock, fit-outs, imports, GST and quiet-month cash flow.
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Transport and logistics
Transport business loans in NZ for trucking, freight and courier firms — trucks, fuel, RUC, wages and monthly-invoice gaps.
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Horticulture and viticulture
Loans for NZ orchards, vineyards, packhouses and wineries — pre-harvest labour, frost fans, machinery and bridging staged payments.
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Manufacturing and engineering
Business loans for NZ manufacturers and engineers — machinery, raw materials, big orders, export payments and workshop upgrades.
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Health practices
Business loans for NZ medical, dental, physio and allied health practices — equipment, fit-outs, practice buy-ins and cash flow.
Read more →See what your business could qualify for
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