Our online calculator can only show amounts up to $15,000, but we’re willing to finance significantly larger projects. Dave Diggs, who runs our lending, looks at larger loans himself. We’ll support viable expansion plans regardless of size, provided the business idea makes sense.

Your customised rate depends on several key factors assessed by our team. We include several factors in your application’s eligibility, such as industry type, trading history, credit profile, and your business accounts showing cash flow strength. All these influence your final offer. We don’t charge higher interest rates just because you have a new business.

Once an application passes our first checks, it is evaluated by a person.

Our Christchurch and Auckland specialists will negotiate rates that work within your budget and business model. Of course, rates for short-term loans like “bridging finance”, will differ from that of longer term loans that take 3 years to repay.

We’ll conduct credit checks examining both your personal and business financial health. Credit agencies assess multiple factors including application history, existing debts, overdue accounts, bankruptcy records, and legal judgements. However, we don’t base decisions purely on credit scores.

We understand that starting a new business is hard enough.
That’s why our evaluation focuses heavily on your business performance and cash flow patterns. As long as your business has sufficient trading history and healthy revenue streams, that will often outweigh past credit challenges.

No, we can’t provide an unsecured business loan.
All secured business loans require collateral of some asset, whether you’re a startup or established enterprise. You can put forward security things like machines, equipment, or real estate. This requirement applies across our entire business lending range.

You’ll have complete fee transparency from day one. You’ll know your exact repayment amount and schedule upfront. We charge a loan origination fee which covers the cost of paperwork and administration. No hidden charges will surprise you during the loan term.
Applications cost nothing and create zero obligation to proceed with the loan agreement.

Once an application passes our first checks, it is assessed by a person, and Dave Diggs, who runs our lending, looks at the larger and more complex loans himself. We cannot promise a decision time. How long a decision takes depends on how quickly we receive your statements, accounts and the details of your security, so sending everything in one go keeps yours moving.
Larger loan amounts will require us to understand your business and growth strategy. Our Christchurch and Auckland specialists will take time to properly evaluate your business loan options rather than rushing a decision.

Yes, here’s an example below.

Example Business Type: A growing manufacturer of precision components based in Auckland.

• Challenge: They have a strong order book but are experiencing cash flow pressure due to extended payment terms from large corporate clients. All of this, plus they have to maintain production schedules.
• Loan Solution: A $150,000 secured loan for working capital, with their machinery as security or collateral. Loan term spread over 4 years with monthly repayments of $4,565, evaluated personally by our owner.
• Application Process: Major banks often decline requests like theirs due to complex industry dynamics. But our Christchurch team quickly understood their solid client relationships, business plan, and confirmed orders worth over $400,000.
• Use of Funds: The loan amount can cover raw materials, specialist tooling, and staff wages during the payment gap period.
  Result: This cash flow bridge will allow uninterrupted production and on-time delivery. Client confidence will increase. This will result in new long-term contracts and a projected 50% revenue growth within 12 months.