09 888 5252 See if you qualify →

Shopping smart

Shopping smart for a business loan in NZ

How to compare offers without rates, protect your credit file while you shop, spot a dodgy deal, read the fine print and negotiate a better package.

See if you qualify →No credit check to enquire · never sprayed to lenders
How to shop

How to compare loans

A shopper's method for comparing NZ business loans: line offers up on total dollars, flexibility, security and risk, not just the headline rate.

Take a look → How to shop

Broker vs bank

Business loan broker vs going straight to your bank in NZ: cost, speed, choice, credit-file impact and the situations where each approach wins.

Take a look → How to shop

Shopping and your credit file

How credit enquiries work in NZ when you shop for a business loan, why lots of applications can hurt, and how to compare lenders without damaging your file.

Take a look → How to shop

Questions to ask a lender

A shopper's checklist of questions to ask a New Zealand business lender about costs, security, repayments, early exit, defaults and the lender itself.

Take a look → How to shop

Checking a loan offer

A shopper's checklist for a New Zealand business loan offer: the money, the fees, the security, the conditions, the default terms and the way out.

Take a look → How to shop

Total cost of finance

How to work out the total cost of a business loan in dollars, including fees and term, plus cost per $1,000 borrowed, so NZ offers compare fairly.

Take a look → How to shop

Scams and red flags

The warning signs of business loan scams in New Zealand, how to check a lender is real, and where to report it if something feels wrong.

Take a look → How to shop

Negotiating terms

What you can negotiate on a New Zealand business loan beyond price: fees, security, guarantees, repayments and exit costs, plus how to use a competing offer.

Take a look → How to shop

Early repayment and exit costs

How early repayment, break, discharge and extension fees work on NZ business loans, why they matter when comparing offers, and the questions to ask.

Take a look → How to shop

Documents lenders ask for

The documents New Zealand lenders usually ask for with a business loan application, by loan type, plus tips to get your pack ready before you shop.

Take a look →
Offer comparerLine up two or three offers in dollars, flexibility and risk. Which stall fits me?Seven quick questions that point you to the right kind of lender. Market stallsEvery kind of business lender in New Zealand explained: main banks, smaller banks, non-bank and private lenders, fintechs, brokers and specialist financiers.On the shelfBusiness loan products in New Zealand through a shopper's lens: term loans, property-secured and second mortgages, unsecured loans, credit lines and more.

Done browsing? Let's find your stall.

One short enquiry, no credit check to ask, and a real person who matches your business to the right lender in New Zealand's market. Please answer accurately so the first match fits.

See if you qualify → Call 09 888 5252

No credit check to enquire

No spray-and-pray

A real person on your side