Unsecured Business Loans Aotea NZ

If You Do This Today, You'll Be Getting Ready For Success WithThe Help Of an Aotea Business Loan

Unsecured Business Loans Aotea

An Aotea unsecured business loan is simple and quick to get. Approve your loan in a matter of minutes and begin using the money in your business.

  • Could additional funds assist your business by allowing you to work capital or for a growth opportunity?
  • What are the best ways to finance your business requirements?

What to expect:

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

The criteria for eligibility for an unsecured business loan for a business loan Aotea are fairly minimal.

A simple loan application process with a huge borrowing limit, minimal credit criteria and no requirement to present a business plan. Stop using your personal credit card or company credit cards as a way to finance your company.
Unsecured Loans Made Simple
I'm now able fund the construction of our newly constructed Aotea resturant without having to pull cash from the other resturants.
Aotea Resturant Owner
I'm able to get my tax back in order.
Small Business Owner
I'm now able to hire a marketer to increase the success of my company to the next stage.
Growing Aotea Business
Business loans, particularly an unsecured business loan or line of credit for business funding require not be a difficult process. Business finance in the form of small business loans that have an interest rate and repayment period that is suitable for the needs of your company cash flow.
Business Lenders for Business Goals
Business credit rates and repayment conditions, and flexible repayment options to meet you business requirements.
Business Lending Options
I can now take a holiday knowing my Aotea business will run smoothly.
Local Business Owner
I'm now able to prepare coffee for my clients with the very best equipment.
Cafe Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting business loans in Aotea business loan within Aotea with us is simple and only takes some minutes, without long lines of paperwork or waiting in line.

Approved and receive funds in 1 to 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Aotea companies of all types, whether small, medium or entrepreneurs to obtain quick funding so that they can use the loan to grow and build.

  • It begins with an easy online application or phone call
  • Flexible repayment terms to meet the requirements of your company
  • Fast funding within a day or two days
  • We want to see you succeed as well as you company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The eligibility requirements for an unsecured business loan in Aotea of between $5K and $100K are pretty minimal.

  • Minimum of 6 months in business
  • At least $6,000 in income per month
  • You must be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification proof
  • Have an account with a New Zealand bank as your principal trading account
  • Bank statements from the past six months

Need more funds? Take a look at the eligibility requirements for our $100K to $500K business credit.

Here's How Other People Have Benefited

Examples of Business Loans

After purchasing a pizza place and two liquor stores six to 12 months earlier, the new owners were seeking more funds. The combined revenue was over $500K per month and they could borrow $300K, split out as $100K for each store, with a mix of 24 and 36 month terms. No security over the owners homes was required.
Owner of a Pizza Store & 2 Liquor Stores
A restaurant owner wanted to open a second restaurant and required funds to fit out. Their bank wasn't interested in helping. Their typical monthly earnings was $50K. They borrowed $66K over the course of 24 months. Turnaround was only 8 hours.
Restaurant Owner
With the busy Christmas season fast approaching, a clothes store required working capital in order to fund extra inventory and benefit from a supplier discount. They secured $20K over the course of 12 months, with no security of assets required. They received the funds in 24 hours.
Clothing Store
A gym that had been going for nearly 3 years wanted to grow and required additional equipment. With an average monthly revenue of $37K they borrowed $72K over a 24 month period. No security was needed for the loan and it was ready to go within the span of 24 hours.
An interior designer had noticed an opportunity to expand their company and needed working capital to fund this growth. With a monthly revenue of $300K they borrowed $250K in 24 months. The time to turn around for them was just two days, and all they needed for them to provide was 12 months of bank statement IRD confirmation, as well as their trust deed.
Interior Designer
Simple eligibility checklist

Larger Aotea Business Loan Eligibility Criteria

The criteria for eligibility in the larger Aotea company loans of between $100K and $500K consist of:

  • Minimum of 3 years trading in business
  • At least $700K of annual income
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification proof
  • You should have a New Zealand bank as your principal trading account
  • Bank statements from the past 6 months
  • Certain financial statements, such as Profit & Loss as well as Aged Accounts Payable and Receivable

Do you need a smaller amount of money? Find out the conditions for eligibility for our $5K to $100K Aotea unsecured business loans.

Business Lending for a Cash Injection

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

An Aotea unsecured loan is ideal for virtually every business reason. Contact us now.

  • Renovate or expand a commercial premises
  • Hire more staff during busy periods
  • Boost stock quantities to keep pace with demand
  • Make a brand new website or boost your marketing
  • Consider investing in new tools, equipment or technology
  • Purchase extra stock to cover seasonal demand
  • Control cash flow fluctuations
  • And many more …

Want to get started on one of these projects as soon as tomorrow? 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 that’s required to get started is your contact information (company name, your name, email or phone number) along with the amount you’d like to lend, and your monthly revenue.

During the process and before settlement we’ll require confirmation of who you are, but not to get started:

  • Idenfication details (valid Driver’s Licence)
  • Information about the business, including details on trading hours owner details, trading time, as well as NZBN (New Zealand Business Number)

In addition, once we have started when it comes to loans over $150,000 you’ll need the following financial statements:

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started now.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    A gym that was running for more than three years, was planning to expand and needed more equipment. With a monthly income of $37K, they borrowed $72K over a 24 month period. The loan was not secured for the loan and it was ready to go in just 24 hours.
    An interior designer had noticed an opportunity to expand their company and needed working capital in order to finance this expansion. With an annual revenue of $300K they borrowed $250K in 24 months. The time to turn around for them was just two days, and all they needed for them to present the required documents were twelve months' bank statement along with IRD confirmation and trust deed.
    Interior Designer
    A restaurant owner wanted to open a second location and needed money to fund the renovation. The bank was not interested in helping. The average monthly income for them was $50K, and they were able to get a loan of $66K for 24 months. It took only 8 hours to get access to the funds.
    Restaurant Owner
    The owner of a modest grocery store doing $70K a month borrowed $76K over a 24 month term with no repayments for the first 4 weeks. This had a requirement of 12 months' bank statements. The turnaround time was only 6 hours from the time of application until receiving the funds.
    Grocery Store Small Business Loan
    A company coach was seeking to invest in an health as well as beauty business. With just a little more than $12K in monthly revenue, they borrowed $24K over 24 months. The loan was based on the submission of 12 months' bank statement and was done in only 8 hours.
    Business Coach

    The lending landscape has changed

    In the wake of traditional lenders and banks increasing their credit requirements as well as the continuous stream of alternative and non-bank loan providers entering the market provides the perfect source to make use of.

    Aotea SME’s are now capable of accessing finance through alternative lenders that service Aotea who are focused on facilitating company growth or smoothing problems with cash flow. In the past personal credit sources (drawing equity from a house loan or credit cards and personal loans as well as the overdraft) could be the best alternative funding services available in Aotea that were available.

    There’s there is no requirement of having to depend on the real estate market to secure business credit. With an unsecured loan, business financing is easy. Instead of a term loan with banks, business finance for a small business with interest rates and loan terms that aid with cash flow are around as business loan options.



    High level summary

    Separate personal and business debt

    There are many advantages associated with separating personal and business debt.

    • Your home, or other investments, aren’t tied up to allow access to funds
    • The business is in a stronger position to establish its own, clear credit history
    • It is much more straightforward for tax time
    • Businesses can easily view the situation, track and plan based on the ability to clearly determine their cash flow position

    Lower your risks, make your tax time simpler, start with an unsecure loan for business. Make an application today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your personal and business assets separate can be that your house does not have to be tied to access the funds. If you’re looking for a small business loan in Aotea up to $100K an asset security agreement will not be required as long as the borrower meets their loan obligations.

    Credit history

    Businesses are in a more advantageous long-term situation if they can show good credit and debt capability.


    Separating personal and business finances makes it more seamless with regards to tax time - particularly when determining the tax-deductible amount. Particularly when determining what is the tax deductible allocation. IRD has set out requirements for evidence to claim deductions on a company’s tax return. This is an area that the IRD have specifically advised on.

    Cash flow

    Effective cash flow management is essential to the long-term survival of any company. Through keeping personal and company finances distinct, businesses can easily view how they are performing, monitor and plan on their ability to accurately determine their cash flow status.

    Business loan interest rates and repayment terms as well as flexible repayment options to suit you business requirements.
    Business Lending Options
    An easy loan application process with a large limit on borrowing, no requirements for credit, and no requirement to submit a business plan. You no longer need to use your personal credit card and company credit cards as a way to fund your company.
    Unsecured Loans Made Simple
    I'm able to get my tax back on track.
    Small Business Owner
    Business loans, especially one that is an unsecured business loan or line of credit for business financing need to not become a stressful procedure. Finance for a business in the shape of small business loans that have an interest rate and repayment time that will suit the requirements of your business budget.
    Business Lenders for Business Goals
    I'm now able employ a marketing specialist to help me take my business to the next stage of business growth.
    Growing Business
    I can now fund the remodel of our brand newly constructed Aotea resturant without having to borrow cash from other resturants.
    Aotea Resturant Owner
    I am now able to make espresso for clients with the best equipment.
    Cafe Owner
    I am now able to take a holiday knowing I am confident that my Aotea company will run well.
    Local Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Information About The Aotea Small Business Loans

    Tell me how you can avail the Aotea Small Business Loans

    Aotea unsecured loans offers amounts of between $5,000 and $100,000 with terms between 3 and 24 months and cash flow-friendly repayments which can be made daily or weekly.

    What is the Unsecured Loan different from the traditional company loan?

    Apply for the Small Business Loan in under 10 minutes on the phone. You’ll receive a same day response and funds may be on your account within 24 hours. Traditional company loans refer to an annual interest rate as well as other fees and charges. The business loan is a cash-based loan therefore you’ll be aware in advance of the amount you will have to pay, including the interest, fees and charges. Then, it is broken down into weekly or daily amount to be paid back.

    What could the Small Business Loan be used for?

    It is a Small Business Loan can be used for virtually every business need, such as the management of cash flow, business renovations, marketing for purchasing inventory or new equipment, to fund general working capital and much more. The loan is not available for personal purposes.

    Concerning Larger Aotea Business Loans

    What is the Larger Aotea Business Loan?

    The Larger Business Loan is a larger loan size to support company expansion opportunities. Loans range between $100,000 and $500,000 over a fixed term that can last up to 36 months. The repayments are made weekly or fortnightly to work with your cash flow.

    How is the Origination Fee calculated?

    A Larger Business Loan has an Origination Fee, calculated at 2.5% of the loan amount.

    Am I eligible for the Larger Business Loan?

    To qualify for a loan in this amount the business needs to have been operating for a minimum of 3 years and have an annual turnover of at least $700K. It is necessary to be a New Zealand Citizen (or Permanent Resident) over 18 years as well as own a New Zealand business (with a valid NZBN/IRD) and be able demonstrate at minimum 12 months of business.

    What can I use the funds for?

    A larger company loan can be used for almost any business use, including business improvements, purchasing inventory or new equipment, as general working capital and much more. The loan cannot be used for personal reasons.

    Is the Larger Business Loan a secured loan?

    Asset security is needed for funding of more than $150,000. It’s by taking a charge on assets, and may include registration with the PPSR or the registration of as a caveat.

    A personal or director’s guarantee is a promise to repay credit that is general in nature, rather than specifying the security of a specific asset. The person signing the guarantee is personally accountable if the business borrower is unable to repay the debt.

    The Personal Property Securities Register (PPSR) is a central, national online registry run by the New Zealand Government. It contains security interests which are registered with respect to personal property (including goods or assets). The PPSR gives the priority of personal property granted in accordance with the date on which a registration of a security interest.

    An affidavit is an official document filed to provide the public notice of a legal claim to property.

    What is a pre-approval that does not require Credit Check?

    If you’re applying for larger business loans of more than $250,000, we may offer an initial pre-approval to make the process. It is possible to make this decision without a credit verification and within 6 hours of the initial application. This pre-approval is made based on a preliminary assessment which includes you answering a few financial well-being questions. It’s in no way an offer, nor is it a guarantee of funds. The approval of a conditional loan is subject to an exhaustive credit evaluation, and any offer that you are offered could be subject to different conditions.

    Application process

    Can I be eligible for funding?

    You may be eligible for a company loan if you

    • are a New Zealand Citizen (or Permanent Resident)
    • are over the age of 18 and own a New Zealand business (with a valid NZBN/IRD)
    • can demonstrate at least 6 months worth of trade (for a unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K to $500K)

    How do I apply?

    The application process is fast and simple. Just complete the online application in just a few minutes, and an experienced business expert in lending will contact you to help you.

    For a loan of up to $100,000, you’ll need the right identification documents (valid Driver’s Licence) as well as an active NZBN/IRD, and at least six months worth of bank statements.

    Otherwise, for larger loan sizes, you’ll require:

    $100K – $250K: Information about the application including credit consent, 6 – 12 months of bank statements, IRD statement (if loan above $150K).
    $250K – $500K: Details of the application, including credit consent twelve months bank statement, an IRD statements and the last two years’ finalised financial statements, as well as interim financials for the current financial year, Aged Payables and Aged Receivables Summary.

    What speed will I be able to get an answer?

    For an unsecured loan ($5K up to $100,000) we usually offer an answer within an hour if you submit your request within standard business timings and permit us to use the advanced bank verification system link to immediately verify your bank account information online. If you opt to upload copies of your bank statement, we’ll provide an answer within just one company day.

    For Larger Business Loans ($100K and up) we may be able to provide you with conditional pre-approval in about six hours. After you’ve signed your pre-approval form, it will take about 2-3 days for final approval. However, this can be quicker based on the circumstances of each application. Some agreements have been approved within less than 24 hours.

    The most effective method is to make sure you apply during standard company hours, and allow us to use our modern bank verification link to verify your bank account information online. If you send us copies of your bank statement, it may take a bit longer.

    How fast will I get the funds?

    For the Small Business Loan ($5K and up) we typically offer an answer within one hour – as long as you apply within standard business hours and permit us to use the advanced bank verification system to instantly verify your bank information online. If you want to upload copies of your bank statements, we’ll be able to offer a decision in just the span of one business day.

    If you are applying for Larger Business Loans ($100K up to $500,000) we may be in a position to provide you with pre-approval conditional to your application in around six hours. Once you have signed the pre-approval, turnaround times are between 2 and 3 days for the final approval, however this could be shorter based on the particular circumstances of each application. Certain offers have been approved in just 24 hours.

    The quickest method is to ensure you apply during normal business hours. You can also permit us to use the advance bank verification link to verify your bank information online. If you decide to upload duplicates of your banking statements, it will take a little longer.

    What is the maximum amount I can borrow?

    We offer loans ranging from $5,000 and $500,000. When you submit an application for a specific amount we take into consideration a range of elements for determining your well-being that is your company and the level of repayments that your company will be able to support. The total amount of the loan will be determined by the specific circumstances that are unique to your business.

    When you apply for a particular amount, we will consider a number of variables to determine your well-being that is your business as well as the amount of repayments that your company will be able to support. The total amount of your loan will be contingent on the particular circumstances the business.

    Fees & repayments

    How much do you charge for a business loan?

    When you request one of our business loans, we’ll assess the risk assessment for your business and offer you with a customised proposal that includes loan amount, term and the interest rates. A business loan is a loan that is priced upfront and you’ll be aware in advance of the total amount payable including any costs, fees, or interest rates.

    What is the basis for the rate I am charged?

    Business loan interest rates vary due to factors such as the amount that is borrowed, the company assets the funds will be used for in addition to the industry that the business operates in, the long the company has been operating for, in the event that the business has sufficient cash flow to cover the loan, and overall health and creditworthiness of the company.

    What are the fees?

    There aren’t any hidden charges with our business loans. You’ll know precisely how much you’ll be required to pay and at what time, from the very first day. There’s no compounding interest, and no additional fees (as long as you make your payments punctually).

    We do not charge an Application Fee. You are able to request a credit loan with no upfront cost or commitment to apply.

    The Origination Fee includes the expenses associated with the setting up and management of the loan. The only way to pay this fee if you decide to take the loan. The Origination Fee for us is 2.5 percent of the amount of loan.

    Can I repay the loan early?

    You can decide to repay all of your loan at any point in time.

    If you do decide to do this please call our helpful company credit experts. They’ll provide you with details on repayment as well as an early payout amount. This will be calculated as the sum of the principal remaining plus any accrued interest as of the time of early payout, plus 1.5 percent of the principal remaining and any outstanding fees.

    How do repayments work?

    To make sure that you don’t miss payments and to work with your cash flow cycle we provide payments that are either weekly or daily. They are automatically deducted from your nominated business account.

    Security & privacy

    Will my information be secure?

    The security of your personal information, as well as being clear about how we collect information, use it, and exchange it, as well as protect your information, is crucial and a vital aspect of our relationship with you.

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

    Yes. We employ industry-recognised encryption standards to protect your sensitive, personal financial information and our funders are ISO 27001 certified for our commitment to the security of our clients as well as their security. We employ an exceptionally sophisticated bank verification system that allows you to immediately verify the bank account details online, allowing us to provide an immediate response.

    About business loans

    What’s an asset-based borrow (a secured loan)?

    The term “asset-based” refers to borrowing where the company owner uses an asset they own to obtain the loan. The asset can be either an asset belonging to the personal, like the family home or a business property like a truck or other piece of machinery.

    The majority of lending institutions, not just the major banks, prefer to make loans secured by assets. If you’re struggling to pay back the loan then your assets could be transferred to the lender. In essence, it is an opportunity to secure new funding using the worth of the asset you already have.

    Are I need security to get a business loan?

    For loans that exceed $150K, no asset security is required before you can access the money, however we do require an individual guarantee. So long as you comply with the loan terms (as stated in your loan contract) the security of assets is not required. For loans that exceed $150K, generally, you can get personal ensure and security in the form an asset charge.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites or auction houses
    • Debt collection companies & debt purchasers
    • Direct marketers including fundraising, telemarketing, mail order, direct-mail etc
    • Financial lenders and institutions
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Freight forwarding and customs clearing houses
    • Business involved with gambling
    • Non-profit organisationsincluding charities and churches etc.
    • Panel beaters & smash repairers
    • Pawn shops and pawnbrokers
    • Property development
    • Stockbrokers, shares orinvesment businesses
    • Tattoo palours
    • Taxi and ridesharing services
    • Ticket resellers & entertainment sales
    • Tow truck services
    • Used vehicle dealerships
    • Car glass tintingservices
    • Vehicle dismantlers

    Although we cannot assist with an unsecure business loan in these industries, we may be able to assist with 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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