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Small Business loans

Get Small Business Loans 

Growing a business? Cash flow under pressure? Alternate Finance helps small businesses with small business loans.

We’re responsible lenders, so if you’re after business finance, we’ll want to know that you’re putting the money to good use, such as purchasing a new piece of equipment, or you just need a quick cash-injection to carry you until your customers pay their invoices.

Small Business loans are sometimes quite challenging to get from banks because they’re a risk-averse bunch, but Alternate Finance is privately owned and we make informed decisions and assess the merit of your ideas.

We love to help entrepreneurs grow & if you’re after small business loans for the right reasons, we’d love to partner with you and help. Use our small business loan calculator, enter the loan repayment amount you can afford, then set aside eight minutes of your time to apply online. It’s easy.

Small Business loans
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APPLY IN UNDER 8 MINUTES

Get your business finance from Alternate Finance, and we’ll factor up to 36 months for you to make your loan repayments, helping with your cashflow. You’ll receive an offer of an annual interest rate that ranges between 13.95% to 26.98% per annum.

For further detailed information, including our small business loans default interest rate, please review our fees and interest rates page here.

It’s important to understand our terms before you get small business loans from Alternate Finance. By applying for small business loans, you’re allowing Alternate Finance permission to store your personal and business information. Alternate Finance will use their best endeavours to keep all information on this website clear and accurate, specifically in regards to small business loans. If you happen to discover inaccuracies please bring it to our attention in writing, allowing us a reasonable time to remedy. For further information on the terms of your small business loan, please follow this link.

Your details are data protected when applying for a small business loan, as we have end-to-end encryption on all of our webforms. All loan information you provide will be treated confidentially and you can have confidence that your loan application will remain secure.

Get your business finance from Alternate Finance, and we’ll factor up to 36 months for you to make your loan repayments, helping with your cashflow. You’ll receive an offer of an annual interest rate that ranges between 13.95% to 26.98% per annum.

For further detailed information, including our small business loans default interest rate, please review our fees and interest rates page here.

It’s important to understand our terms before you get small business loans from Alternate Finance. By applying for small business loans, you’re allowing Alternate Finance permission to store your personal and business information. Alternate Finance will use their best endeavours to keep all information on this website clear and accurate, specifically in regards to small business loans. If you happen to discover inaccuracies please bring it to our attention in writing, allowing us a reasonable time to remedy. For further information on the terms of your small business loan, please follow this link.

Your details are data protected when applying for a small business loan, as we have end-to-end encryption on all of our webforms. All loan information you provide will be treated confidentially and you can have confidence that your loan application will remain secure.

Small Business Loan Calculator

I want to borrow:
I can afford to repay (per week):

Did You Know?

Small Business Loans Finance Rates

Small Business Loans Finance Rates

A business loan is evaluated by the owner of Alternate Finance himself. We love helping entrepreneurs. So, contact us and we can negotiate rates one-on-one with you to make it affordable.

How Long Does Approval Take?

How Long Does Approval Take?

Alternate Finance is usually much faster than other lenders like banks. If you're an existing customer, we often can have it approved in 24-48 hours or give you the verbal OK over the phone. For larger sums of lending, we like to understand the purpose of the lending and how it will benefit your business.

How Much Can I Borrow?

How Much Can I Borrow?

Our business loan calculator only goes to $15,000, but we do finance more. We often get involved in construction projects and we work one-on-one with you to ensure your plans are viable and we could finance your growth regardless of the value if it makes sense.

Is It Easy To Get Business Finance?

Is It Easy To Get Business Finance?

If you go to a bank, it's hard. Banks are very risk-adverse and follow rules, rather than personally evaluating your situation. Alternate Finance will invest time into understanding your oportiunity and the risks involved to help you with your business growth.

Business Finance NZ-wide

Business Finance NZ-wide

We are happy to lend to any businesses types in any location across New Zealand, provided you meet our lending criteria. We finance businesses in Bluff, right through to Auckland and above. No matter if you're a farmer, a tradie or a pencil pusher, we're happy to help.

Fast Business Finance

Fast Business Finance

Alternate will give small business finance loans to help with the purchase of equipment, to assist with short-term cash flow hurdles, to assist in growth plans and more. It's best that you fill in the application form online and then call us for a personal discussion.