Unsecured Business Loans Wilton NZ

Today, You'll Have Everything You Need to Be Successful By Obtaining a Wilton Business Loan

Unsecured Business Loans Wilton

A Wilton unsecured business loan is quick and easy to obtain. Request a quick approval and begin using the money for your business.

  • Do you think that additional funds could help your company in working capital, or to realise an opportunity to grow?
  • What is the financing strategy you are using to fund your business requirements?

You can expect:

  • Easy to apply and receive approval and money as early as tomorrow
  • Optionally no reayments in the initial 4 weeks
  • From $5k to $500K in loans
  • Terms ranging from 3 to 36 month
  • Competitive rates of interest prices
  • Minimal docs

The conditions for eligibility for an unsecured business loan to be made in Wilton are fairly minimal.

A simple loan application process with a large amount of borrowing capacity, a low requirements for credit, and there is no need to provide a business plan. Don't use your personal credit card or business credit card to fund your company.
Unsecured Loans Made Simple
I'm now able fund the renovation of our newly constructed Wilton resturant without having to borrow cash from other ones.
Wilton Resturant Owner
Business loans, especially an unsecured unsecured business loan or line of credit to business funding need have no stressful procedure. Finance for a company in the shape in the form of small business loans at a fixed interest rate cost, and with a repayment period which is compatible with your business financial needs.
Business Lenders for Business Goals
I'm able get my tax back in order.
Small Business Owner
I'm now able employ an specialist marketer to take my company to the next stage.
Growing Wilton Business
I can now take an extended vacation knowing that it is safe knowing that Wilton business will run effortlessly.
Local Business Owner
I'm now able make espresso for clients using the very best equipment.
Cafe Owner
Business credit rates and repayment terms as well as flexible repayment options to meet the needs of your business needs.
Business Lending Options
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting a company loan within Wilton with us is easy and takes only some minutes, without mountains of paperwork or queues.

Get approved and receive your cash within 1 – 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Wilton companies of all types, whether small, medium or solopreneurs to access funding fast so they can take advantage of loans to expand and grow.

  • It all starts with a simple online application or by phone
  • Flexible repayment terms to suit your business
  • Quick funding in a day or two days
  • A team that wants to see you succeed as well as you business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The criteria for eligibility for an unsecured business loan in Wilton of between $5K and $100K are fairly minimal.

  • At least 6 months in business
  • A minimum of $6,000 in revenue per month
  • You must be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification proof
  • You should have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the previous 6 months

Looking for more funding? Find out the guidelines for eligibility for our $100K to $500K company loan.

Here's How Others Have Benefited

Examples of Business Loans

Following the purchase of a pizza place and two liquor stores 6-12 months earlier the new owners were seeking additional cash. The total revenue of the two stores was more than $500K per month and they were able to borrow $300K, split out as $100K for each store, with an option of both 24 and 36 months. No security over the owner's houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
The owner of a modest grocery store making $70K a month borrowed $76K over a 24 month term , without making any repayments for the first four weeks. The loan required 12 months of bank statements. Turnaround time was just 6 hours from the time of application until receiving the funds.
Grocery Store Small Business Loan
The busy Christmas season was coming up, a store selling clothing needed working capital to buy more inventory and to take advantage of discounts from suppliers. They took out a loan of $20K over a period of 12 months, with no asset security required and had the money in just 24 hours.
Clothing Store
An interior designer had spotted an opportunity to increase the size of their company and required working capital to fund this expansion. With a monthly revenue of $300K they borrowed $250K over the course of 24 months. Their turnaround time was only 2 days, and all they needed to provide was 12 months of bank statement IRD confirmation, as well as their trust deed.
Interior Designer
A gym that had been going for nearly 3 years decided to increase its size and required additional equipment. With a monthly income of $37K, they borrowed $72K over a 24 month period. The loan was not secured to secure the loan. It was ready in just 24 hours.
Simple eligibility checklist

Larger Wilton Business Loan Eligibility Criteria

The criteria for eligibility for the larger Wilton business loans of between $100K and $500K consist of:

  • Minimum of 3 years in business
  • At least $700K of annual revenue
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for identification
  • Use an account at a New Zealand bank as your main trading account
  • Bank statements from the last 6 months
  • Some financial statements like Profit & Loss, and aged accounts Payable and Receivable

Do you require a smaller amount of money? Check out the guidelines for eligibility for our $5K-$100K Wilton unsecured company loans.

Business Lending for a Cash Injection

What do you want to use the business loan in Wilton for?

A Wilton unsecured loan is ideal for almost every company need. Get in touch with us today.

  • Expand or renovate commercial properties
  • Staff expansion during busy times
  • Increase stock quantities to meet the demand
  • Build a new website or improve your marketing
  • Consider investing in new tools, equipment or new technologies
  • Purchase additional stock to meet seasonal demand
  • Manage cash flow fluctuations
  • Plus many more …

Do you want to start working on one of these projects as soon as tomorrow? Then get in touch with us now or apply online to get the fastest and most effective process.

Quick application checklist

What do you need to apply

All you need for starting is your contact details (the name of your company, your name, email and phone) as well as the amount you’d like to borrow, and your monthly revenue.

While in the process and before settlement we’ll require confirmation of your identity but not to get started:

  • Idenfication details (valid Driver’s License)
  • Details of the business including time of trading, ownership details and details of ownership and trading time, as well as NZBN (New Zealand Business Number)

In addition, once we have started with loans greater than $150,000 you will also require basic financial statements.

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    A plumber who has operated their business for 3 years, with $80K in monthly sales was looking for more funding. They took out $153K on 36 months. All that was required was 12 months of bank statement and confirmation of the loan's status with IRD. The process was complete within a day and the plumber received their additional working capital in ther account shortly thereafter.
    The busy Christmas season was fast approaching, a clothes store needed additional working capital to purchase more stock and also benefit from discounts offered by suppliers. They borrowed $20K over 12 months without security of assets required. They received the money in just 24 hours.
    Clothing Store
    A gym that had been operating for over three years wanted to grow and needed additional equipment. With a monthly turnover of $37K they borrowed $72K over a 24- month period. No security was required and the loan was compelted within the span of 24 hours.
    When they purchased a pizza place and two liquor stores six to to 12 months ago, the new owners were looking for additional cash. The combined revenue was over $500K per month and they could borrow $300K, split out as $100K for each store, with two different 24 and 36 month terms. No security over the owners homes was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    An interior designer had noticed an opportunity to expand their business and needed working capital to finance this expansion. With an annual revenue of $300K they borrowed $250K in 24 months. Their turnaround time was only two days and all they needed to present were 12 months worth of banking statements, IRD confirmation, and their trust deed.
    Interior Designer

    The lending landscape has changed

    With banks and traditional lenders tightening credit conditions and the constant stream of alternative and non-bank loan providers that are entering the market provides a great resource for you to make use of.

    Wilton SME’s are now being able to get finance from other lenders in Wilton who are focused on facilitating business growth or smoothing out the cash flow problems. In the past, individual credit providers (drawing equity from a house loan, or using credit cards and personal loans as well as the overdraft) were the only alternative funding services within Wilton that were available.

    There’s an end to the need to depend on using real estate to secure business credit. With an unsecured loan, business funding is made simple. Instead of a traditional term loan from a bank, business finance for an SME with interest rates and loan terms that can help with cash flow are available as business lending options.



    High level summary

    Separate personal and business debt

    There are substantial benefits associated by separating personal and business debt.

    • Your home or other investmentsaren’t tied for access to funds
    • It is the business stands in stronger place to develop its own, solid credit history
    • It’s considerably more seamless for tax time
    • Businesses are able to easily review their cash flow, monitor and plan based on the ability to clearly evaluate their cash flow situation

    Reduce your risk, make the tax process easier, get started with an unsecure business loan, apply today.

    For those who like the detail

    Separate personal and business debt


    One major benefit of keeping your business and personal business assets separate can be that your home does not have to be tied to allow access to the funds. If you’re looking for a small business loan in Wilton up to $100K an asset security agreement will not be required so long as the borrower is able to meet their loan obligations.

    Credit history

    Businesses are in a more stable long-term position when they are able to demonstrate credit/debt ability to service.


    A separation between personal and company finances makes it significantly more straightforward with regards to tax time - particularly when identifying what is the tax deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has set out requirements for evidence to be able to claim deductions on a company’s tax return. This is an area where the IRD have specifically advised on.

    Cash flow

    Effective cash flow management is key for the long-term success for any company. Through keeping the personal financial and company finances separate, businesses can easily view how they are performing, monitor and plan on their ability to accurately examine their cash flow.

    Business credit rates and repayment terms and flexible repayment options that can be tailored to the requirements of your company requirements.
    Business Lending Options
    A seamless loan application process that comes with a high amount of borrowing capacity, a low credit criteria and no requirement to create a business plan. Stop using your personal credit card and company credit cards as a way to finance your business.
    Unsecured Loans Made Simple
    Business loans, particularly an unsecured unsecured business loan or line of credit for business financing require to not become a stressfull process. Business finance is in the form of small business loans that have an interest rate cost, and with a repayment schedule that fits the needs of your business budget.
    Business Lenders for Business Goals
    I am now able to take a holiday knowing I am confident that my Wilton company will run well.
    Local Business Owner
    I'm able get my tax back in order.
    Small Business Owner
    I'm now able hire an experienced marketer to help me boost my company to the next level of business growth.
    Growing Business
    I can now make coffee for my customers using the best equipment.
    Cafe Owner
    I'm now able fund the remodel of our brand new Wilton resturant without having to take cash from other resturants.
    Wilton Resturant Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Wilton Small Business Loans

    Tell me more about Wilton Small Business Loans

    Wilton unsecured loans offers amounts of between $5,000 and $100,000 with terms between 3 and 24 month and cash flow-friendly repayments that are either daily or weekly.

    What makes what makes the Unsecured Loan different from the traditional company loan?

    Apply for the Small Business Loan in under 10 minutes over the phone. You’ll get an answer within the same day and have the funds on your account within 24 hours. Traditional company loans are based on an annual rate of interest as well as other fees and charges. This business loan is an upfront priced loan which means you know in advance the total amount payable including the interest, fees and charges. This is then divided into weekly or daily amount to be paid back.

    What can you use the Small Business Loan be used for?

    It is a Small Business Loan can be used for virtually any business use, including control of cash flow company improvements, advertising, to purchase inventory or new equipment, to fund general working capital and so much more. The loan cannot be used for personal reasons.

    About Larger Wilton Business Loans

    What is the Larger Wilton Business Loan?

    The Larger Business Loan is a larger amount of loan to help business expansion opportunities. The loan ranges from $100,000 to $500,000 for a fixed period of up to 36 months. Repayments are scheduled weekly or fortnightly depending on your situation.

    How’s the Origination Fee determined?

    It is important to note that the Larger Business Loan has an Origination Fee which is determined at 2.5% of the loan amount.

    Do I qualify for the Larger Business Loan?

    To be eligible for a credit in this amount, your company needs to be in operation for at least 3 years and generate an annual revenue of $700,000. The applicant must also be a New Zealand Citizen (or Permanent Resident) who is over the age of 18 or have a New Zealand business (with a valid NZBN/IRD) and be able to demonstrate at the least 12 months of operating.

    How can the funds be utilised?

    A larger company loan can be used to fund almost every business use, including business renovations, purchase of equipment or inventory as well as for general working capital and so much more. The loan cannot be used to fund personal expenses.

    Is the Larger Business Loan one that is secured?

    Asset security is required to obtain funding above $150,000. This can be done by taking a charge against assets, and may include registering this through the PPSR or the registration of a caveat.

    A personal or director’s ensure is a commitment to repay a loan which is general in nature rather than stipulating the security for a particular asset. The person signing the ensure is personally liable if the business borrower is unable to make the repayment.

    The Personal Property Securities Register (PPSR) is an online central register operated by the New Zealand Government. It reflects security interests registered in respect of personal property (including goods or assets). The PPSR grants preference over private property assigned in accordance with the date on which a security interest has been registered.

    Caveats are legal document lodged to offer the public notice of a legal claim on a property.

    What exactly is a preapproval without Credit Check?

    If you’re seeking an enterprise loan that is greater than $250K we may be able to provide a preliminary pre-approval to help make the process. We could be able to get this done without a credit verification and within six hours of your initial application. The pre-approval process is based on an initial evaluation that involves you answering a few financial well-being checks. It is neither an offer nor a guarantee of funds. The approval of a conditional loan is subject to an exhaustive credit evaluation, and any offer you are offered could be based on different conditions.

    The application process

    Do I have the right to receive funds?

    You are eligible to apply for a business loan if you:

    • are a New Zealand Citizen (or Permanent Resident)
    • are over the age of 18 and have a New Zealand business (with a valid NZBN/IRD)
    • must show at least six months of trading (for you to qualify for unsecured loan $5K – $100K) or three years of trade (for the Larger Business Loan $100K or $500K)

    How do I apply?

    The process for applying is fast and easy. Simply complete the online form in just a few minutes, and an experienced company expert in lending will be in touch to help you.

    To apply for up $100,000, you’ll require the right identification documents (valid Driver’s Licence) along with a valid NZBN/IRD as well as at least 6 months’ worth of bank statements.

    If you’re looking for loans with larger sizes, you’ll need:

    $100K to $250K: Application requirements, including credit consent, 6-12 months of bank statements, IRD statement (if credit is over $150K).
    $250K – $500K: Details of the application, including credit consent and 12 months of bank records, IRD statement Last 2 years’ finalised financial statements, as well as interim current financial year financials, Aged Payables and Aged Receivables summary.

    How fast will I get a decision?

    For an unsecured loan ($5K and up) we usually offer an answer within an hour if you make your application at standard company times and let us utilise the advanced bank verification system to immediately verify your bank account information online. If you opt to send us copies of your bank statements we can offer an answer within one company day.

    For the Larger Business Loan ($100K to $500K) we might be in a position to offer you with conditional pre-approval within six hours. After you’ve signed your pre-approval document, you will need to wait around 2-3 days for final approval. However, this could be shorter based upon the circumstances for each application. Some agreements have been approved in the space of 24 hours.

    The quickest way to apply for you to apply is make sure you apply during standard business hours, and let us use the advanced bank verification system to check your bank’s information online. If you decide to send us duplicates of your banking statements it can take a bit longer.

    What is the time frame to receive the money?

    For the Small Business Loan ($5K and up) We can usually provide a response in one hour – provided you make your application in normal business timings and permit us to make use of the advanced bank verification system to instantly verify your bank information online. If you opt to submit copies of your bank statement, we’ll provide a decision within an business day.

    For the Larger Business Loans ($100K to $500K) we might be in a position to offer the conditional pre-approval within about six hours. Once you have signed the pre-approval, turnaround times are approximately 2-3 days to receive final approval. However, this can be faster depending on the specifics of each application. Certain deals have been approved in the space of 24 hours.

    The fastest way is to make sure you apply during normal business hours, and let us use the modern bank verification link to verify your bank information online. If you opt to send us copies of your bank statements, it takes a bit longer.

    What’s the minimum amount I can borrow?

    We offer loans ranging from $5,000 and $500,000. If you apply for a certain amount we consider a variety of factors in order to assess your well-being of your business and the level of payments your company will be able to support. The total amount of your loan will be contingent on the specifics for your business.

    When you make an application for a certain amount, we look at a range of aspects to assess your well-being that is your business as well as the amount of repayments your company is able to afford. The amount you receive from your loan will depend on the particulars the business.

    Fees & repayments

    How much should you charge for the cost of a company loan?

    When you request one of our business loan, we’ll assess the risk assessment the business and provide you with a customised proposal that includes the loan amount, the terms and the interest rates. A business loan is a loan that is priced upfront therefore you will be aware in advance of the total amount to be paid, including any interest rates, fees or charges.

    What is the factor that determines the price I am charged?

    The interest rates on business loans rates differ based on various factors such as the amount that is borrowed, the company assets the funds are used to purchase and the sector the company is operating in, how long the business has been in operation and whether the business has enough cash flow to support the loan, as well as the overall health or creditworthiness of the company.

    What are the cost?

    There are no hidden fees with our business loans, and you’ll know exactly how much you need to pay, and when, starting from the day you sign up. There’s no compounding interest, and no extra fees (as long as you make your payments on time).

    We don’t charge an Application Fee. You are able to request a credit loan with no upfront cost or obligation to proceed.

    The Origination Fee is the cost associated with the setting up and management of the loan. It is only charged for this cost if you take out the loan. Our Origination Fee is 2.5 percent of the amount of the loan.

    Do I have the option of paying off the loan earlier?

    You may choose to pay back the entire amount of your loan in full at any time.

    If you do decide to pursue this option, please speak to our friendly company loan specialists. We will offer you with repayment details and an early payment figure. The figure will be calculated as the sum of the remaining principal amount and any accrued interest at the time of early payout in addition to 1.5 percent of the remaining principal and any fees that remain unpaid.

    How do you make repayments work?

    To help you avoid missing payments and to work with your cash flow cycle we provide payments that are either weekly or daily. They are automatically deducted from the nominated business account.

    Security & privacy

    Will my data be protected?

    Making sure that your information is secure, and being clear about how we collect the information we collect, use, share and safeguard your data, is vital and is a crucial part of our relationship you.

    Is it safe to link my bank account to the platform?

    Yes. We employ industry-recognised encryption techniques to protect your personal, sensitive financial information and our funders are ISO 27001 certified for our dedication to protecting the security of customers and security. We use an advanced bank verification system that allows you to instantly verify your bank account information online. This allows us to provide an immediate response.

    About business loans

    What is asset-based borrowing (a secured loan)?

    The term “asset-based” refers to borrowing where a business owner utilises the assets they have to secure the funds for a loan. The asset can be either a personal asset like the family home, or it could be a business asset like a truck or other piece of machinery.

    The majority of lending institutions, even the big banks, tend to secure loans against assets. If you’re having trouble paying back the loan then your assets could be transferred to the lender. In essence it is a way of securing new funding using the value of what you already have.

    Do I require security to secure an business loan?

    For loans of up to $150K, the requirement for asset security is not required prior to the loan’s access However, we require a personal guarantee. require a personal guarantee. So long as you comply with the loan terms (as stated in your loan contract), asset security will never be needed. If you take out loans in excess of $150,000 generally, you can get a personal guarantee and security is provided in the form of a charge over assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction houses or auction websites
    • Debt purchasers & debt collection firms
    • Direct marketers including telemarketing, fundraising, mail order, direct-mail etc
    • Financial institutions & lenders
    • {Firearm businesses
    • Foreign currency exchange solutions
    • Customs clearing houses and freight forwarding
    • Gambling related industries
    • Non-profit organisations, charities and churches etc
    • Panel beaters & smash repairers
    • Pawn shops and pawnbrokers
    • Property developers
    • Investment business, shares or stockbrokers
    • Tattoo studios
    • Taxi & ridesharing services
    • Entertainment sales or ticket resellers
    • Tow truck services
    • Used vehicle dealers
    • Automotive glass tintingservices
    • Automotive wrecking yards

    Although we can’t help with an unsecured business loan for these types of industries, we may be able assist by providing an secured business loan.

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

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    0800 102 591

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