Street of small shops open in the evening

The loans themselves

Business loan types in New Zealand

Unsecured loans, lines of credit, working capital, equipment finance, second and first mortgages and more. What each one is, when it fits and what it asks of you.

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Unsecured loans

Unsecured business loans for New Zealand owners: how lenders size them from bank statements, what they expect to see, and where the limits sit.

Line of credit

How a business line of credit works in New Zealand: drawing and repaying a limit, what lenders check, the costs to ask about and when it beats a loan.

Working capital

Working capital loans for New Zealand businesses: covering stock, wages and slow-paying customers, how lenders size them and how to repay without strain.

Equipment finance

Equipment finance in New Zealand: how loans secured on vehicles, machinery and tools work, what the PPSR does, and the paperwork lenders usually ask for.

Second mortgage

Second mortgage business loans in New Zealand: borrowing against equity behind your home loan, what lenders check on title and how to plan the exit.

First mortgage

First mortgage business loans in New Zealand: borrowing against unencumbered property or refinancing an existing loan for larger, longer business funding.

IRD tax debt

Business loans for IRD tax debt in New Zealand: when an instalment arrangement is better, when a loan makes sense, and what lenders want to see first.

Bad credit

Business loans for New Zealand owners with defaults, judgments or past insolvency: what lenders consider, which options fit and how to improve your file.

Easy business finance

What makes business finance easier to get in New Zealand: matching the loan to your paperwork, choosing the right security and avoiding common hold-ups.

See what your business could qualify for

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