Frequently asked questions

We explain how New Zealand's business lending market works and help business owners find finance that fits. Our guides and tools help you compare lenders and offers; our specialists help you find the right lender when you're ready to borrow.

We help you find and arrange business finance with the lender that suits your situation. A real person works on your enquiry and explains who the lender is and what they'll need before anything is signed.

Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat-style security over residential or commercial property. Unsecured and cash-flow options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.

No. There's no credit check when you first enquire. A credit check only happens later, with your permission, if you choose to go ahead.

No. We don't sell or broadcast enquiries. A specialist matches you to the lender that suits your situation and talks to you before anything is sent.

Every business loan is priced on its own circumstances, including security, trading history, credit, purpose and term. Published rates tend to mislead, so we focus on helping you compare actual offers on total dollar cost.

Possibly. Bad credit is considered case by case. Some lenders look past old defaults if the business is trading well or there's property to offer as security. Being upfront about it helps us match you properly.

IRD debt is considered case by case. Sometimes a loan makes sense; sometimes an instalment arrangement with Inland Revenue is the better first step. Our page on funding an IRD debt compares the two.

No. Trading businesses without property can look at unsecured and cash-flow options, typically $5,000 to $500,000, sized on turnover and bank statements. Property security usually opens up larger amounts and lower costs per dollar.

No. Business purposes only. We don't arrange home loans for living in, car loans for personal use or other consumer credit.

It depends on the loan type, the lender and how quickly documents come together. Smaller unsecured amounts can move quickly; property-secured loans need valuation and legal steps. We give you a realistic timeline on the first call.

No. We help business owners anywhere in New Zealand, and everything can be done by phone and online.

A free tool that lines up two or three loan offers in dollars: total cost of finance, cost per $1,000 borrowed, money in your hand, flexibility and risk flags. It doesn't need interest rates and saves nothing.

Both can work. Going direct suits a simple deal with a lender you already know. Someone who shops the market can help when the deal is complex, time is short or you've been declined. Our broker vs bank page goes through the trade-offs.

Usually recent business bank statements, identification, and, for larger loans, financial statements, an IRD account summary and property details. We'll tell you exactly what your lender needs once you decide to proceed.

We'll tell you honestly, explain why if we can, and suggest what might change the answer, whether that's time, documents, security or a different kind of lender.