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Loan types

Every type of business loan in NZ

Unsecured loans, first and second mortgages, caveat-style loans, lines of credit, equipment and invoice finance — what each one is, who it suits and how fast it can realistically move.

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Fast business loans

Fast business loans in NZ: how quickly unsecured and property-secured loans really fund, what speeds approval and the quickest route.

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Unsecured business loans

Unsecured business loans in NZ from $5,000 to $500,000, sized on turnover. Who qualifies, what lenders check and how fast funds arrive.

First mortgage business loans

First mortgage business loans in NZ from $20,000 to $5,000,000 against residential or commercial property — how they work and how fast.

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Second mortgage loans

Fast second mortgage business loans in NZ from $20,000 to $5,000,000 — borrow against equity without touching your bank loan.

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Caveat loans

Caveat loans in NZ: fast, short-term business funding secured by a caveat on residential or commercial property. How they work and when.

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Short-term business loans

Short-term business loans in NZ for terms of weeks to months. Unsecured and property-secured options, how repayments work and how to pick a term that fits.

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Business line of credit

A business line of credit in NZ: draw when cash is short, repay when it lands. How limits are set, who it suits and how fast it opens.

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Bridging finance

Business bridging finance in NZ: property-secured funding to bridge a purchase, sale or refinance. How it works, exit plans and speed.

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Equipment finance

Equipment finance in NZ for machinery, plant, kitchen gear and tech. How PPSR security works, new versus used, and how fast approval is.

Vehicle and truck finance

Business vehicle and truck finance in NZ for utes, vans, trucks, trailers and fleets — how it's secured, new versus used, and speed.

Mechanic working under a ute in a Hamilton automotive workshop

Invoice finance

Invoice finance in NZ turns unpaid business invoices into cash now. How factoring and discounting work and which businesses suit them.

Business owner working on a laptop at the Wellington waterfront with Oriental Bay behind

Bad credit business loans

Bad credit business loans in NZ: how lenders weigh past defaults, what improves your chances and why property-backed options still work.

IRD debt loans

IRD debt loans in NZ: clear GST, PAYE and income tax arrears in one go, stop penalties building and reset your business cash flow.

Business acquisition loans

Loans to buy a business in NZ — a competitor, a franchise or a partner's share. What lenders check and how property speeds settlement.

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Debt refinance and consolidation

Business debt consolidation in NZ: combine short-term loans, tax arrears and overdue accounts into one facility, ease daily repayments and reset cash flow.

Low-doc business loans

Low-doc business loans in NZ for owners whose accounts are late or out of date — what evidence works instead and how fast they fund.

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.

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No credit check to enquire

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