New Zealand's business funding helpline
Enquiring is free and doesn't affect your credit score
The Business Loan Hotline · Aotearoa New Zealand
Ring the Hotline, tell us what's going on in your business, and a lending specialist works out what fits — property-secured loans from $20,000 to $1m, or unsecured loans and lines of credit based on your turnover.
Tap to call the Hotline09 875 4577About 60 seconds · Free · No effect on your credit score
Which line sounds like you?
Example call · illustrative scenario
No hold music maze, no "press 4 for lending". You explain the situation in your own words and a lending specialist asks the questions that matter. Here's how a typical first conversation runs.
Hi — the bank's just declined us. GST and PAYE are overdue, about $60,000 all up, and we've got a big job starting next month.
Right, let's work through it. Is the business a company, and how long have you been trading?
Company, eight years. Two directors — me and my partner.
Do either of you own property in New Zealand? It doesn't have to be mortgage-free.
Our house in Papakura. There's still a fair bit owing to the bank.
That can open up options that don't rely on your accounts. Roughly what's it worth and what's owing? And is the bank decline about the tax, or something else?
Where it goes from here: the specialist explains the realistic routes — for example a second mortgage to clear IRD in one go, or an unsecured facility plus an IRD arrangement — what each involves, and exactly which documents to send. No credit check until you're ready.
Two lines of funding
Which one fits depends on whether you have property to offer, how much you need and how fast.
Line A
Line B
Business purposes only. Sole traders, companies, partnerships and trusts can apply. Every loan is priced on your individual situation — we look for the sharpest option available for it.
Ask the Hotline
Every answer opens with the short version, then explains the detail — and lists what a specialist will ask you on the call.
Browse all 18 questionsCall 09 875 4577, or take about 60 seconds to request a call back.
What's the money for, when do you need it, what does the business and any property look like?
We compare our lending partners for the one whose criteria genuinely fit — before any credit check.
You see the full cost first. Once approved and signed, funds are paid.
Quay Street, Auckland
Our desk is at Level 8, 139 Quay Street, Auckland. Because we work by phone, where your business is doesn't matter — a builder in Invercargill gets the same conversation as a cafe on Ponsonby Road.
Before You Call
A phone-first business funding service for New Zealand business owners. You ring or request a call back, a lending specialist talks through your situation, and we match you with a lending partner whose criteria fit — property-secured loans from $20,000 to $1m, or unsecured loans and lines of credit sized to your turnover.
No. Enquiring is free, takes about 60 seconds and doesn't affect your credit score. A credit check only happens later, with your permission, when a specific lender assesses a formal application.
Not for the initial assessment of a property-secured loan. Unsecured loans and lines of credit are mainly assessed on turnover and recent business bank statements.
Unsecured decisions are sometimes made the same day. Property-secured loans can in some cases be funded within 24 hours of approval; the steps before approval depend on the property and how quickly documents are signed.
Often, yes. Bad credit, defaults and arrears are considered case by case for property-secured loans, and some unsecured lenders consider weaker credit where recent trading is strong.
Sole traders, companies, partnerships and trusts, for business purposes only. Unsecured funding is usually for businesses trading 6+ months; property-secured funding needs New Zealand property owned by the borrower or a supporting party.
A lending specialist will listen to what's going on and tell you straight what's realistic. Enquiring is free, takes about 60 seconds and doesn't affect your credit score.