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Loans For Business

If you have a small business, you'll understand that finance is a big part of leveraging growth. If you need to purchase more efficient equipment to get higher margins and increase productivity, then Alternate Finance would love to partner with you to discuss your options and expansion plans. If you need additional vehicles, bridging finance to purchase before you sell your old assets, equipment or cash flow finance, debt consolidation, venture capital or construction loans, you've come to the right place.

Fast Small Business Finance

Imagine a relationship where you can call your finance partner and they give you the verbal "nod" within minutes. Once a customer of Alternate Finance, and if you're running a healthy business that we understand, then our financing will allow you to make the decisions necessary to your business expansion without the red tape. Of course, we'll need to lend according to the responsible lending code of New Zealand, but our job is to make your life as easy as possible.

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Types of Loans For Business

Alternate Finance is the home of New Zealand's widest variety of Online Loans. You can apply easily in just 8 minutes and once approved, in most cases, you can have cash in your account within 24 hours. Subject to our credit checks process and in accordance with the NZ responsible lending code.

Online Personal Loans

Frequently Asked Questions

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What Is the Term Of Most Business Loans?

Most of our business finance is paid within 48 months, unless we're lending for bridging, or cash flow loans. Ideally in any lending situation you want to down pay your finance agrements as fast as possible to reduce interst costs.

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Can I Apply For A Business Loan With Bad Credit?

While some lenders may accept an application for a business loan with bad credit, Alternate does not approve loans for borrowers with bad credit histories. Other lenders may be able to help you with debt consolidation, or at least advise you of what you need to do to repair your credit file.

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What are the consequences of defaulting on a business loan?

Defaulting on a business loan does have consequences, including damage to your credit score, eventual legal proceedings if not paid and reposession if applicable. You may also experience difficulty obtaining financing in the future. It's essential to carefully consider your ability to repay a loan before borrowing.

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What Are The Fees & Penalties?

Penalties only occur if you default on your payments. It's best to make sure the repayment amount is manageable with your cash-flow and you stay several payments ahead of schedule. You can view our up to date terms and fees at the bottom of this page, by clicking the link in our website's footer.

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Does Alternate Finance's online Application Affect My Credit Score?

When applying for any financing, the online application is automatically sent to a credit check organisation. We use Centrix, a New Zealand organisation which handles the entire credit check process. It’s recorded how often you’re applying for loans, so make sure you're not applying at multple finance companies at once, or too frequently.

Alternate Finance

Online Business Loans New Zealand Wide

Alternate Finance offers fast loans for businesses in New Zealand and is an established, trusted local financial lender with active charitable undertakings.