Guides
Guides to getting your paperwork lender-ready
New guides every week on the documents lenders want, credit reports, IRD and GST, business structures and using property, written for New Zealand businesses.
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How to Get a Business Loan in NZ: A Step-by-Step Guide
A plain-English guide to getting a business loan in New Zealand: working out what you can show, picking the right loan, preparing documents and applying once.
24 October 2026
Using Property When Your Books Are Behind: An NZ Guide
How New Zealand owners use home or commercial property to borrow when returns are overdue: how it works, what lenders check and how to plan the exit.
24 October 2026
Preparing a Low Doc Income Declaration in New Zealand
How New Zealand self-employed owners prepare a low doc income declaration: what to include, the evidence that backs it up and mistakes that cause a decline.
24 October 2026
What NZ Lenders See on Your Credit Report
What New Zealand business lenders see when they check your credit report: scores, enquiries, defaults and company records, and how to check and fix yours.
24 October 2026
Sole Trader, Company or Partnership: Borrowing in NZ
How your business structure affects borrowing in New Zealand: what changes for sole traders, companies and partnerships, guarantees and switching structure.
24 October 2026
Getting GST Returns Up to Date Before You Borrow
Why overdue GST returns stall business loans in New Zealand, how to catch up quickly with IRD and how to keep GST current so lenders see a clean picture.
24 October 2026See what your business could qualify for
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