About Business Finance 24

Business Finance 24 exists for one kind of moment: a New Zealand business needs money for a real reason, and it needs it soon. Wages are due on Friday. A supplier wants a deposit to lock in a price. IRD has written. A machine has stopped. In those moments, a slow "we'll get back to you in a fortnight" is as unhelpful as a no.

So we built the business around a single, clear aim: to have you funded within 24 hours of your first application. It's an aim, not a guarantee — we'll always tell you honestly if your deal needs longer — but it shapes everything we do, from the short form to the way we ask for documents.

Who we help

Owners and directors of trading businesses right across the country — Auckland, Waikato, Bay of Plenty, Wellington, Canterbury, Otago and everywhere in between. Tradies and builders, cafés and restaurants, retailers, transport operators, manufacturers, professional firms, growers and contractors. Companies, partnerships, trusts and sole traders.

• Without property: unsecured, cash flow and line-of-credit options, typically $5,000 to $500,000, sized on turnover and bank statements.
• With property: business loans secured by residential or commercial property from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat-style security.
• With a bump in the road: past credit problems and IRD debt are looked at case by case, not ruled out on sight.

All lending we arrange is for business purposes only.

How we keep it fast

Speed isn't about rushing. It comes from asking the right questions first, matching you to a lender whose policy fits the first time, and only requesting the documents that lender will actually read. Most delays in business lending come from a mismatch discovered late, or from paperwork chased in dribs and drabs. We try to remove both.

You can read exactly how it works on our 24-hour process page, or check your own likely timeline with the Funding Clock.

What we promise

• No credit check when you first enquire. Finding out what's possible won't touch your credit file.
• No spray-and-pray. We don't sell your enquiry or fire it at a long list of lenders. A specialist chooses the right fit.
• A real person. Someone who understands business lending reads your application and calls you.
• Straight talk. If it won't work, or won't work in 24 hours, you'll hear that early, along with what would.

We ask one thing in return: fill in the form accurately. The amount, the purpose, how long you've traded, any property you own and any arrears with IRD. Honest answers are the fastest route to the right offer.

Where we are

We're based at 188 Quay Street in Auckland's CBD and work with businesses throughout New Zealand by phone and online. Call 09 873 3941 or apply in about 60 seconds.