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How do we fund so many businesses?

Apply today, funds tomorrow

Finally!!  A truly fast & simple Business Loan.

Borrow from $5,000 up to $500,000* by the next day

Save time on betting a business loan

Save Time

*Larger loan amounts, business start-ups  or limited trading history may require real estate security.

New Zealands
easiest & most
Business Loans

Apply Online from your home or office in 60 seconds.

Trusted by thousands of Kiwi


We've helped thousands of Kiwis get access to business finance solutions through our site

Sarah M

"Applied and got a call within 15 mins. My husband and I got the funds we needed."

Lawrence R

"Needed funds for my restaurant and the team were on hand to assist. Thanks guys!"

Hannah J

"Simple and easy is the best way to describe the experience."

Eric T

"Wasn't expecting much. The team came through when no one else could. Cheers."

How We Work

Apply Online in 60 Seconds

At Instant Business Funder you just answer a few simple questions to get your application lodged.  We will aim to have you funded in just 1 business day.


Unsecured Business Loans for businesses that...
  • Have been active for 6 months or more​
  • Have a turnover of +$6000/ month
If you have real estate security,
we also can fund you if....
  • Your business is closed due to Covid Shutdowns
  • You're a new business start up


Discuss Your New Loan

We can have you approved in as little as 5 minutes after you apply.  Once we are at that point, we just need to reach you to discuss your new loan.

  • Be ready to chat about your new loan
    • Sign loan agreement electronically when apporoved

    Receive Your Funding

    Once loan contracts are electronically signed, the funds are deposited straight into your bank account the same day.


  • Funds arrive in your bank account
    • You're ready to GO!

    Why Work With Us

    Fashion Store Clerk

    No Security Required

    Non asset-backed access to capital -

    no collateral required

    Relaxed Businessman

    Best Chance of Approval

    We can often help even if you've been declined elsewhere

    Food Truck Payment

    Simple Repayments

    Daily or weekly repayments tailored

    to your business

    About The Loan

    • Borrow from $5,000 to $500,000
    • Loan Terms from 1 to 24 months
    • No Asset Security Required in many cases*
    • Cashflow friendly repayments, OR
    • No Repayments for up to 6 months*
    • Funding in 1 business day

    *Larger loan amounts, business start-ups, businesses with irregular cashflow, & applicants wanting no repayments for 6 months may require real estate security.

    Our Loans

    Let's Get Started

    Apply Now

    Next steps


    A lending team member will call you for a quick chat to see if you have any questions, Then, if you're comfortable to proceed, you will be guided through the application.

    Things You'll Need:

    • Driver Licence or Photo ID

    • Business NZBN

    • Up to 12 months bank statements (not required if using real estate as security)

    For loans over $150K, you'll also need some basic financial statements OR real estate security.

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