The quick-fire FAQ

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.

No. We don't lend our own money. Loans are provided by our lending partners, subject to their approval criteria. Our specialists help you find the right one and guide the application through.

Our office is at Level 8, 139 Quay Street, Auckland 1010. Because we work by phone, we help business owners anywhere in New Zealand.

Ring 09 875 4577 (+64 9 875 4577 from overseas), or request a call back online and a lending specialist will ring you.

No. Enquiring is free and takes about 60 seconds. Any costs of a loan are set out in the loan offer before you sign.

No. A credit check only happens later, with your authorisation, when a specific lender assesses a formal application.

Property-secured business loans from $20,000 to $1m, and unsecured business loans and lines of credit sized to your turnover.

New Zealand property the borrower or a supporting party already owns — a home, rental or investment property, commercial property or land — as a first or second mortgage, even if there's already a mortgage on it.

Not for the initial assessment of a property-secured loan. Unsecured loans and lines of credit are mainly assessed on turnover and recent bank statements.

Property-secured loans range from $20,000 to $1m depending on equity and purpose. Unsecured amounts are based on turnover and bank statements.

We don't publish rate cards, because every loan is priced on the individual situation — security, amount, purpose, trading and credit history. We look across our lending partners for the sharpest option available for your circumstances and explain the total cost before you commit.

Property-secured and unsecured business loans are typically short to medium term, structured around what the money is for and how it will be repaid.

Often, yes, but terms vary between lenders and loans. Early repayment terms are set out in the loan offer, and we'll point them out before you sign.

Sole traders, companies, partnerships and trusts, for business purposes only. We don't arrange personal or consumer loans.

Unsecured loans and lines of credit are usually for businesses trading 6+ months. Property-secured loans are assessed mainly on the property and your plan, so newer businesses may still have options.

Often, yes. Bad credit, defaults and arrears are considered case by case for property-secured loans, and some unsecured lenders consider weaker credit.

Frequently. Non-bank lenders assess different things — property equity or recent bank statements — so a bank decline isn't necessarily a barrier.

Yes. Paying GST, PAYE or income tax is a business purpose, and property-secured loans can refinance or pay out existing IRD debt.

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.

Usually photo ID, business details and recent business bank statements; for property-secured loans, property details. Your specialist will tell you exactly what's needed for your situation.

For property-secured loans, a lawyer registers the mortgage, and anyone giving security or a guarantee is normally required to get independent legal advice.

Often, if the borrower is a company. Your specialist will explain any guarantee terms before you commit.

We use it to talk to you about business funding and, with your authorisation, share it with lending partners to assess an application. Our privacy policy explains the details and your rights under the Privacy Act 2020.