Business Loans
NEED BUSINESS FUNDING RIGHT NOW?
We are fortunate to now be accredited with five Non Bank Business funders in New Zealand and Australia who are helping New Zealand and now Australian Business Owners with urgent business finance. Fast cash for Kiwis and Aussies!
They all focus on making quick decisions, often just by looking at your business bank statements or invoices, with both secured and unsecured options. Credit issues are not a deal breaker, it is all about cash flow, and they are assisting clients with finance in construction, retail, hospitality, transport, manufacturing and the rural sectors.
Non-Bank Business Lending
Banks are built for process.
Non-bank lenders are built for business.
Banks rely on historic financials, strict policy, and layers of approval. Non-bank lenders take a commercial view — focusing on cashflow, current performance, and speed, they can also assist even with short trading history, credit or IRD issues!
When timing matters, flexibility matters more.
Facilities Available
- Unsecured Business Loans
Fast working capital for tax, stock, marketing, or short-term opportunities. - Business Line of Credit
Flexible access to funds for managing cashflow and seasonality. - Invoice Finance
Unlock cash tied up in unpaid invoices. - Asset Finance
Fund vehicles, plant, and equipment without large upfront costs. - First and Second Mortgages
Property-secured funding for equity release, refinancing, consolidation, or expansion.
Faster decisions. Less red tape. Funding that works around your business.
You can apply online and then we can contact you to discuss and gather more information if required and then refer you to one of our lenders who you will then deal with directly. Should they be unable to help you, they will let us know and we can look at other options.
We have also added details of some lenders below, that we regularly deal , and an overview of how they could assist you. If you wish you can fast track your application and start off by dealing directly with them.
UNSECURED BUSINESS LOANS
$5,000 TO $500,000
AND NOW SECURED UP TO $2,000,000
SHORT TERM FINANCE with just 4 months trading
Line of credit Up To $300K (A Flexi Facility)
Get the funds that you need to grow!
It’s fast and easy, funds can be in your account within 3 hours of approval.
They are open-minded lenders, have other lenders not been able to help you?
If you have been in business 6 months with a turnover of at least $10,000 you can apply with Bizcap in 3 minutes.
A perfect credit history is NOT required.
High Approval Rates.
Prospa SMALL BUSINESS LOANS
$5,000 TO $150,000
WITH NO ASSET SECURITY REQUIRED
$150,000 TO $500,000
ASSET SECURITY OVER THE BUSINESS ENTITY
Business Finance can be to help add a new truck to the fleet, buy more stock for the likes of Black Friday sales right through to additional working capital for wages, as you have slow paying debtors.
Facilities below $150,000 do not require security as they look at your monthly turnover which ideally is above $6,000 per month.
Prospa see themselves as the pioneers of stress free business finance and are committed to helping you unleash the potential of your business. They offer both Business Loans and a Business Line of Credit, similar to an overdraft.
Funding is possible in just 24 hours!
On Demand Finance
GO FROM INVOICE TO CASH IN HOURS.
LOANS FROM $5K TO $500K
APPROVALS IN AS LITTLE AS 3 HOURS
NO CHANGES TO HOW YOU INVOICE CLIENTS
RECeIVE CASH FOR INDIVIDUAL iNVOICES WITHIN HOURS
FundTap operates across New Zealand and Australia and their office is in Nelson. Unpaid invoices can turn into immediate cash so you focus on running your business and sales, without having to tread water waiting for your clients to pay and spending hours on the phone or leaving messages.
You can get started in minutes – their integrations with the top accounting platforms make it fast, paperless & stress free.
With FundTap, you only pay when you use them. No long-term contracts or ongoing charges. Only one simple, transparent fee. Completely private and no need to change how you invoice and collect payments.
Apply in ten minutes, approved in a day, ongoing funding in hours.
Boost Your Business with Fast, Flexible Funding
$10,000 to $200,000 for 6 – 24 Months
Up to 100% of average monthly sales
Need quick access to working capital? The Boost Business Loan from ScotPac is designed to help small and medium-sized businesses move fast and grow with confidence.
Why Choose Boost?
- Fast turnaround – Apply online in minutes and get up to $200,000 in your account within 24 hours. Some businesses receive funding in as little as 12 hours.
- No security required – Loans under $100,000 don’t need to be secured against assets, making it easier to access funds when you need them.
- Simple process – No paperwork headaches. Just a straightforward online application and fast approval.
We are happy to offer you the opportunity to deal direct with these lenders, you will be talking with the decision makers.
If you are looking for longer term funding options or would prefer to talk with our team first, to get advice on funding solutions, you can also contact us.