Fast business funding across New Zealand
Give us the amount and the date you need it. We'll show you which route can genuinely settle in time, from unsecured funding for smaller sums to property-backed loans when the figure or the deadline is bigger.
No credit check to ask
Finding out what's possible doesn't touch your credit file. A credit check only comes up once you choose to go ahead.
No spray-and-pray
Your enquiry isn't fired off to a stack of lenders. One person works out the fastest route that fits and talks you through it.
A real person, quickly
Someone who knows business lending reads your enquiry and calls you. Accurate answers on the form mean the first option is one that can actually happen.
The speed ladder
Speed in business lending depends on how much you need and what's behind it. These are the fastest timelines that are possible once a file is complete.
$5k to $100k
Same-day funding possible
for smaller unsecured amounts
$20k to $250k
Possible same day
property-secured, once the file is complete
Possible within 24–48 hours
with a complete file and straightforward securities
Speeds are possible, not guaranteed. What sets your timeline is how quickly documents, valuations and signatures come together. We never publish rates.
Start where you are
No property needed
Unsecured loans, revolving credit, invoice finance and short-term cash flow funding, sized on what goes through your business account. The quickest routes for smaller amounts, and nothing over your home.
Using property equity
First and second mortgages, caveat-style loans and bridging finance over residential or commercial property. Larger amounts, and some of the quickest settlements available once the title, the valuation and the signatures are lined up.
What's the money for?
An IRD bill, a machine you need on site Monday, a business you've agreed to buy, a kitchen that has to reopen. Start with the situation, and we'll show you which routes can land in time for it.
When it can't wait
Free tool
The funding speed finder takes the amount, your deadline, your security and what's ready, and shows the route most likely to make it, a realistic timeline and the exact checklist that brings it forward.
What slows funding down
Lenders that specialise in speed decide in hours. These are the things that turn hours into days.
Statements stuck in online banking
Have your banking login handy so statements can be linked during the first call.
A trustee or co-owner who can't sign
Let every director, trustee and property owner know on day one, and check they can sign electronically.
Tax or debts that surface later
Put IRD arrears, existing loans and credit issues on the form. Disclosed issues don't slow anything down.
Waiting on your current bank
Ask for a balance, payout figure or second-mortgage consent the same day you enquire.
Guides
How quickly a business loan can settle in NZ, from first call to funds in the account, which steps take longest and how to remove delays early.
What NZ business lenders check before fast funding: bank statements, IRD position, credit, security, purpose and people, plus a checklist.
How to weigh the cost of fast business funding in NZ against the cost of waiting: fees, interest, early repayment, IRD penalties and lost contracts.
It depends on the amount, the route and how complete the file is. Same-day funding is possible for smaller unsecured amounts; $20k to $250k is possible same day with property security; and up to $5m is possible within 24–48 hours once the file is complete.
Unsecured, cash flow and revolving credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Property-backed business loans from $20,000 to $5,000,000 (first and second mortgages, and caveat-style security over residential or commercial property).
No. There's no credit check when you first enquire. A credit check only happens once you decide to go ahead with a specific option.
No. A real person reads your enquiry and works out the fastest route that fits. Your details aren't sent around a list of lenders.
Often, yes. Past credit issues and IRD arrears are considered case by case, and property-backed options are the most flexible. Be upfront on the form so we can move quickly.
Every business loan is priced on the business's situation, so a published number would be wrong for most people. Once we understand your needs, we give you the total cost in dollars.
No. Everything we arrange is for business purposes only.
Business purposes only. We never publish interest rates; every loan is priced on the business's situation.
Tell us how much and by when. A real person reads it and calls you with the quickest route that fits. No credit check to ask.
No credit check to ask
No spray-and-pray
A real person, quickly
