What can you show a lender?
Business credit by paperwork level
No doc, low doc, bank statements or full financials. Each level opens different lenders. Start with the paperwork you actually have, not the paperwork a bank wishes you had.
No doc loans
How no doc business loans work in NZ: property-backed lending that doesn't rely on financial statements or IRD returns, who it suits and what it still needs.
Read more →Low doc loans
Low doc business loans in New Zealand: borrow using bank statements, GST returns or an accountant's letter instead of full financials, with or without property.
Read more →Bank statement loans
Bank statement business loans in NZ: lenders size the loan on six to twelve months of business banking instead of annual accounts. What they look for.
Read more →Business credit score
How business credit scores work in New Zealand: the credit reporters, what's recorded about you and your company, how lenders use it and how to improve it.
Read more →Document checklist
The documents NZ lenders ask for, by paperwork level and structure: ID, NZBN, bank statements, GST returns, IRD statements, accounts and property details.
Read more →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.
Asking won't mark your file
Not passed down a list
Read by a real person