Business finance, on your terms
Working capital, equipment finance, commercial property, expansion lending — we structure business loans across NZ's bank and non-bank lenders so the cashflow works for your business, not just the lender.
Business lending isn't a one-size product. The right structure depends on whether you're smoothing cashflow, buying gear, expanding into a new site, or acquiring property. We work across major banks and the specialised non-bank lenders that actually understand business risk — so you get an answer faster, and one that suits the way your business runs.
- Access to bank and specialised non-bank commercial lenders
- Cashflow-based lending decisions, not just balance-sheet
- Honest read on what lenders will and won't fund right now
- Coordination with your accountant on structure and tax
- End-to-end support — application, documentation, settlement
When this loan is the right fit
Working capital
Overdrafts, invoice finance, and short-term lines to smooth out seasonality, payroll, or stock cycles without tying up your own cash.
Equipment & vehicles
Chattel mortgages and asset-backed finance for utes, plant, machinery, fit-outs and tools. Fixed payments, GST-friendly, deductible interest.
Commercial property
Owner-occupied premises or investment property — sub-50% LVR commercial lending typically gets the sharpest pricing.
Expansion & acquisition
Funding a new site, an acquisition, or a fit-out. We'll help structure debt vs equity and shop the deal across appropriate lenders.
From first call to settled
Discovery call
We talk through the use of funds, the business's recent performance, and the timing pressure you're working to.
Lender shortlist
We pre-qualify the deal across appropriate lenders and shortlist the 2–3 most likely to fund on terms that work for you.
Application package
We compile the full lender pack — financials, projections, security details — so the lender's credit team can move fast.
Drawdown & ongoing
We coordinate documentation and drawdown, then stay available for any restructure, top-up, or refinance over the life of the facility.
Free calculators for this loan type
Guides written by licensed advisers
Answers, before you ask
Anything else? Pick up the phone — no hold music, no jargon, just a straight answer.
01How much can my business borrow?+
It depends on cashflow, security available, and the use of funds. Lenders look at serviceability (can you afford the repayments from operating cashflow), and at security (property, equipment, or a personal guarantee). We'll give you a realistic range before you spend time on a full application.
02Do I need to provide personal guarantees?+
Most SME lending in NZ requires a director's guarantee. The exposure can sometimes be limited to the loan balance, and in some cases (well-established businesses with strong assets) personal guarantees can be avoided altogether. We'll negotiate this on your behalf.
03How long does business finance take to settle?+
Simple chattel finance can settle in days. Cashflow facilities and commercial property typically take 2–6 weeks depending on the lender, the documentation needed, and the security being taken.
04Can I borrow if my last financial year was weak?+
Often yes — particularly if the cause was clearly one-off (covid, supply-chain, a specific contract loss) and recent trading has recovered. We'll know within one call which lenders will take a sensible view.
05What's the interest rate on a business loan?+
Wider range than home loans. Asset-backed lending (commercial property, equipment) prices tighter than unsecured working capital. We'll quote real numbers from real lenders during our first chat, not generic ranges.
Ready to start your loan journey?
Apply online in minutes. No obligation, no pressure — just clear advice.