New Zealand's business funding helpline

Enquiring is free and doesn't affect your credit score

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The question-and-answer hub

Ask the Hotline

These are the questions New Zealand business owners actually ring about — each one answered properly, in plain English, with the short answer first. Pick the line that sounds like your situation, or ring 09 875 4577 and ask a lending specialist directly.

Two smiling women wearing headsets taking calls in a bright office
Every answer here started as a phone call.
  1. Q01 Can I get a business loan this week?
  2. Q02 How do I pay a big IRD bill without draining cash?
  3. Q03 Can I cover payroll while customers pay late?
  4. Q04 What's a business line of credit and do I need one?
Open line 1
  1. Q05 Can I borrow against my house for my business?
  2. Q06 How fast can property-secured business funding happen?
  3. Q07 Can I use a second mortgage to fund my business?
  4. Q08 Can I refinance expensive business debt?
Open line 2
  1. Q09 The bank said no — who else will lend to my business?
  2. Q10 Can I get a business loan with bad credit?
  3. Q11 Can I get a loan with no financials?
  4. Q12 Can a sole trader get a business loan?
  5. Q13 How much can my business borrow without property?
  6. Q14 Can a new business get funding in its first six months?
Open line 3
  1. Q15 Can I get funding to buy an existing business?
  2. Q16 Can I borrow to fit out new premises?
  3. Q17 How do I fund equipment or a new vehicle for the business?
  4. Q18 How do I fund a seasonal business through the quiet months?
Open line 4

How to use these answers

Start with the short answer. Every page opens with a one or two sentence answer in a yellow box. If that's all you needed, great.

Check "On the call, we'll ask you". Each answer lists the questions a lending specialist will ask — so you can have the numbers ready before you ring.

Read the guide if you want the detail. The Before You Call guides explain the mechanics: credit checks, mortgages, bank statements, tax dates.

Then ring. Nothing on a web page beats ten minutes with someone who can look at your actual situation. Enquiring is free and doesn't affect your credit score.

Your question isn't here?

Ring it in. If it's about funding a New Zealand business, a lending specialist will give you a straight answer — and if it's a good one, it may end up on this page.

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