Business loans across Aotearoa
Fast business loans for Kiwi businesses that can't wait
Cash flow loans, unsecured business loans and fast first and second mortgages — matched to your situation by a real person, not a lead farm. One 60-second enquiry, no credit check to start.
- Same-day funding possible
- $5k unsecured to $5m secured
- No credit check to enquire
No credit check to enquire
Finding out what's possible leaves your credit file untouched. A credit check only comes up once you choose to go ahead.
No spray-and-pray
We don't fire your details at a dozen lenders and hope. One person works out where your loan actually fits.
A real Kiwi on the phone
Someone reads your enquiry and rings you back. Honest answers on the form mean the right route on the first call.
Cash Flow Gap & Fast Loan Matcher
How big is your gap, really?
GST on the 28th. Provisional tax on 15 January. A big contract that pays on the 20th of next month. Put in your numbers and see the shortfall — then try the full matcher for the fastest realistic route and a document checklist.
Open the full matcher →Cash flow first
Cash flow business loans for the squeezes Kiwi owners actually hit
GST due, a big contract to mobilise, debtors paying late, a quiet season to bridge — the cash flow squeezes Kiwi businesses hit most, and the fastest realistic ways to fund each one.
Cash flow business loans
Cash flow business loans in NZ explained: how they work, what lenders check, how fast funds can land and which option suits a short-term gap in your business.
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Paying a GST bill
GST due and the account is short? How NZ businesses fund a GST bill on time, the cost of paying late and the fastest routes available.
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Provisional tax funding
Provisional tax due and cash is tight? How NZ businesses fund provisional and terminal tax, the key IRD dates and fast loan options.
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Payroll and wages
Need a business loan to cover wages in NZ? How short-term funding helps meet payroll, PAYE and KiwiSaver deductions on time, and what lenders look for first.
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Slow-paying customers
Customers paying late? How NZ businesses bridge debtor delays with invoice finance, short-term loans or a line of credit.
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Seasonal cash flow
Seasonal business in NZ? How tourism, hospitality, farming and retail operators fund the quiet months and their pre-season costs.
See how it's funded →Every type of business loan
From a quick unsecured top-up to a $5m second mortgage
Unsecured and cash flow options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat-style security over residential or commercial property.
How it works
Enquiry to funded — without the runaround
- 01
Tell us in 60 seconds
Amount, purpose, how long you've traded and whether property is available. No credit check.
- 02
A real person rings you
Someone reads your enquiry and calls — usually the same business day — to understand the full picture.
- 03
The fastest route that fits
Unsecured, line of credit, first or second mortgage — explained plainly, with real costs.
- 04
Documents, sign, funded
Have statements and ID ready and smaller amounts can fund the same day.
Straight talk
Four things owners get wrong about fast business loans
"The bank said no, so nobody will lend."
Banks decline for policy reasons — late accounts, a loss year, tax arrears. Non-bank lenders read your current bank statements or your property equity instead. What to do after a decline.
"Unsecured is always quicker."
For small amounts, often. For bigger gaps, a caveat-style loan or second mortgage can be faster because equity does the heavy lifting. Secured vs unsecured.
"Owing IRD rules me out."
IRD debt is considered case by case — and clearing it in one go can stop penalties and interest building. IRD debt loans.
"Shopping around with lots of lenders gets the best deal."
A cluster of credit enquiries can make every lender warier. One well-matched application beats ten scattered ones — that's why we never spray your details.
By industry
Lenders read every industry differently
Quick GST check
How much of your takings is GST?
In New Zealand, GST is 15%, so three twenty-thirds of every GST-inclusive dollar belongs to Inland Revenue. Pop in a week's or a month's takings to see what to set aside before the next return.
Guides
Plain answers for owners in a hurry
How Fast Can You Get a Business Loan in NZ?
How fast can a NZ business loan fund? A stage-by-stage timeline for unsecured and property-secured loans, what causes delays and how to be funded sooner.
Read the guide → GST Due and Can't Pay? Your Options in NZ
GST due and the account is short? A step-by-step NZ plan: file on time, talk to Inland Revenue, compare instalments with short-term funding.
Read the guide →
Secured vs Unsecured Business Loans NZ — Which Fits?
Secured or unsecured business loan? A plain NZ comparison of amounts, speed, cost and risk, plus a simple way to decide which suits you.
Read the guide →Fast business loan questions
How fast can a New Zealand business get a loan?
Same-day funding is possible for smaller unsecured amounts when bank statements and ID are ready. Property-secured loans of $20,000 to $250,000 can be possible the same day, and larger secured loans up to $5,000,000 can be possible within 24 to 48 hours.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up once you've seen your options and chosen to go ahead.
What is a cash flow business loan?
Short-term funding sized on what your bank account shows, used to cover the gap between bills going out and money coming in — GST, wages, stock, a slow month or a new contract. Unsecured amounts typically run from $5,000 to $500,000.
Do I need property to borrow?
No. Many trading businesses borrow unsecured. Property — a home, rental or commercial building — opens up larger amounts from $20,000 to $5,000,000 and can help with credit issues or IRD debt.
Can you help if I owe Inland Revenue?
Often, yes. IRD debt is considered case by case, and a loan can clear GST, PAYE or income tax arrears in one go.
Will my details be sent to lots of lenders?
No. One person works on your enquiry and matches it properly. We don't spray your details across a list of lenders.
Do you publish interest rates?
No. Every business loan is priced on the business's own circumstances, so a headline rate would be meaningless. You'll see real costs before you commit to anything.
Your next bill doesn't have to be a crisis
Tell us what you need in about a minute. No credit check to start, no spraying your details around, and a real person on the phone with the fastest route that fits.
No credit check to enquire
No spray-and-pray
A real Kiwi on the phone