Built around the borrower
Business credit by who you are
Sole traders, tradies, the self-employed, small companies and new businesses each get read differently by lenders. Here's what they look for from each of you in New Zealand.
Sole traders
Business loans for NZ sole traders: how lenders read IR3 returns and mixed accounts, low doc and property-backed options, and how to present your income well.
Read more →Small businesses
Small business loans in New Zealand: unsecured loans, lines of credit, equipment and property-backed lending, and how to match the option to your paperwork.
Read more →New businesses
Loans for new New Zealand businesses with little trading history: what lenders accept in place of accounts, property-backed options and how to build a record.
Read more →Tradies
Business loans for NZ tradies: equipment finance for utes and tools, working capital between progress payments, and options when IRD or paperwork is behind.
Read more →Self-employed
Business loans for self-employed New Zealanders: how lenders read your income when it varies, low-doc options, and what helps when returns are behind.
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