Loan types
Business loans in New Zealand, and how fast each one moves
Every kind of business finance we arrange for New Zealand businesses, with an honest read on how quickly it can realistically be funded and what to have ready.
Business line of credit
How a business line of credit works in NZ, how fast one can be set up, what lenders check, and when a revolving limit beats a lump-sum loan.
Read more →Cash flow loans
Cash flow loans in NZ: how lenders size them on turnover, how fast one can be funded, what they suit, and how to avoid borrowing more than you need.
Read more →Unsecured business loans
Unsecured business loans in NZ: how much you can borrow without property, what lenders check, how fast funds can land, and the trade-offs worth knowing.
Read more →Working capital
Working capital finance in NZ: how to measure your cash gap, which funding fits, how fast it can be arranged, and why the term matters most.
Read more →Short-term business loans
Short-term business loans in NZ: typical terms, how fast they can be funded, what they cost in dollars, and why your exit plan matters most.
Read more →First mortgage loans
First mortgage business loans in NZ: borrow against unencumbered residential or commercial property, how much is possible, and how fast a deal can settle.
Read more →Second mortgages
Second mortgage business loans in NZ: borrow against equity without refinancing your bank, what consent means for timing, and how fast funds can land.
Read more →Private lending
Private lending for NZ businesses: how private mortgages differ from bank loans, who they suit, how fast they settle, and planning your way back.
Read more →Caveat loans
Caveat loans in NZ: how a caveat under the Land Transfer Act 2017 secures fast business funding, how quickly it settles, and when not to use one.
Read more →Bridging finance
Business bridging finance in NZ: cover the gap between buying, selling or refinancing, how fast it can settle, and how to make the exit certain.
Read more →Bad credit business loans
Bad credit business loans in NZ: what lenders really weigh, how property changes the picture, and how fast funding can still happen with a clear story.
Read more →IRD tax debt funding
Using a business loan to pay IRD in NZ: how it compares with an instalment arrangement, what lenders need, and how fast GST or PAYE arrears clear.
Read more →Urgent business loans
Urgent business loans in NZ: what same-day really requires, when 24 hours is realistic, and why some deals take a week. An honest guide to fast funding.
Read more →Low-doc business loans
Low-doc business loans in NZ: what you can skip, what you still need, how bank statements replace financials, and how fast a low-doc loan can be funded.
Read more →Self-employed loans
Business loans for self-employed Kiwis: how sole traders and contractors are assessed, what to have ready, and how to get funded fast without a payslip.
Read more →Equipment and vehicles
How NZ businesses fund equipment and work vehicles fast using unsecured, cash flow or property-secured loans — plus PPSR checks and Investment Boost timing.
Read more →Start your 24 hours
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