Unsecured Business Loans Ardmore NZ

By This Tomorrow You Could Be On The Right Track To Success WithThe Help Of an Ardmore Business Loan

Unsecured Business Loans Ardmore

An Ardmore unsecured business loan is simple and quick to obtain. Approve your loan in a matter of minutes and start using the funds to grow your company.

  • Are additional funds able to help your company by allowing you to work capital or to take advantage of the potential for growth?
  • How are you financing your business needs?

What you can expect:

  • It’s easy to apply to be approved and receive money as early as tomorrow
  • Optionally no reayments in the first 4 weeks
  • The range of borrowing is from $5k to $500K.
  • Terms ranging from 3 to 36 month
  • Competitive interest rates
  • Minimal documentation required

The criteria for eligibility for an unsecured business loan in Ardmore are fairly minimal.

I am now able to take time off knowing that it is safe knowing that Ardmore company will run well.
Local Business Owner
I'm able get my tax back in order.
Small Business Owner
Business loans, specifically one that is an unsecured business loan or line of credit for business funding require have no difficult process. Finance for a business in the shape in the form of small business loans with an interest rates and repayment term that is suitable for your company liquidity.
Business Lenders for Business Goals
I'm now able to prepare coffee for my clients using the best equipment.
Cafe Owner
I can now hire a marketer to boost my business to the next step.
Growing Ardmore Business
Simple loan application procedure with a huge limit on borrowing, no requirements for credit and no need to submit a business plan. Don't use your personal credit card or company credit cards to fund your company.
Unsecured Loans Made Simple
Business loan interest rates and repayment terms, as well as flexible repayment options to meet the needs of your business needs.
Business Lending Options
I am now able to fund the renovation of our newly constructed Ardmore resturant without having draw cash from other restaurants.
Ardmore Resturant Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for business loans in Ardmore company financing in Ardmore with us is simple and only takes a few minutes, no piles of paperwork or long waits.

Be approved and receive your money within 1-2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Ardmore businesses of all types, whether small, medium or soloprenuers to get access to quick funding so that they can utilise the loan to expand and develop.

  • It starts with an easy online application or by phone
  • Flexible repayment terms to suit your company
  • Quick funding in a day or two days
  • A team that wants both you and your company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • Minimum of 6 months in business
  • At least $6,000 of revenue per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s License for identification proof
  • You should have a New Zealand bank as your main trading account
  • Bank statements from the last six months

Are you looking for additional funding? Check out the guidelines for eligibility for our $100K-$500K company credit.

Here's How Other People Have Benefited

Examples of Business Loans

A gym that was running for more than three years was looking to expand and required additional equipment. With a monthly income of $37K, they borrowed $72K over a month period. The loan was not secured and the loan was settled in just 24 hours.
A business coach wanted to invest in a health and cosmetics business. With just under 12K in revenue per month they borrowed $24K in 24 months. The loan required 12-month bank statements and was done in 8 hours.
Business Coach
An interior designer had spotted an opportunity to increase the size of their business and required working capital in order to finance this growth. With a monthly revenue of $300K they borrowed $250K in 24 months. The time to turn around for them was just 2 days and all they needed to provide were 12 months worth of banking statement along with IRD confirmation and trust deed.
Interior Designer
The proprietor of a small supermarket that was making $70K a month borrowed $76K over a 24-month period, with no payments for the first four weeks. This had a requirement of 12 months' bank statements. The time to turn around was just six hours from submitting the application to receiving the money.
Grocery Store Small Business Loan
The busy Christmas season was approaching, a clothing store needed working capital to fund extra stock and also benefit from discounts from suppliers. They borrowed $20K over 12 months, with no security for assets and received the funds in less than 24 hours.
Clothing Store
Simple eligibility checklist

Larger Ardmore Business Loan Eligibility Criteria

The eligibility requirements of larger Ardmore business loans of between $100K and $500K are:

  • A minimum of 3 years of business
  • A minimum of $700K annually in income
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification
  • Use an account at a New Zealand bank as your main trading account
  • Bank statements for the last 6 months
  • Certain financial statements, such as Profit & Loss and the Aged Accounts Payable and Receivable

Do you need a smaller amount of funding? Check out the guidelines for eligibility for our $5K to $100K Ardmore unsecured business loans.

Business Lending for a Cash Injection

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

An Ardmore unsecured loan is great for nearly any business use. Call us now.

  • Expand or renovate commercial spaces
  • Hire more staff for busy times
  • Increase stock quantities to meet demand
  • Build a new website or improve your marketing
  • Consider investing in new tools, equipment or new technologies
  • Purchase extra stock to cover the seasonal demand
  • Manage cash flow fluctuations
  • And many more …

Do you want to begin one of these as soon as tomorrow? Contact us or apply online now to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All that’s required to start is your contact information (company name and your name, as well as email and telephone), how much you’d like to borrow, and your monthly earnings.

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

  • Details of the Idenfication (valid Driver’s Licence)
  • Business information including trading times owner details, trading time, as well as NZBN (New Zealand Business Number)

Once we’ve started in the process, for loans of more than $150,000 you will also need basic 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

    Acquiring a pizza place and two liquor stores six to 12 months earlier, the new owners were looking for additional cash. The revenue total was greater than 500K per month. They were able to borrow $300K and split it into $100K for each store using the option of 24- and 36 month terms. No security over the owners houses was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    A gym that was going for nearly 3 years was looking to expand and needed additional equipment. With a monthly turnover of $37K they borrowed$72K over a 24 month period. No security was needed to secure the loan. It was settled within just 24 hours.
    A plumber who's had business for 3 years, with monthly sales of $80K was in search of additional funds. They took out $153K on the course of 36 months. All that was needed to be provided was 12 month bank statements and confirmation from the IRD. The process was completed within a day and the plumber was able to access their working capital available in their account in a matter of hours.
    A restaurant owner wanted to open a second location and needed money to fund the installation. Their bank wasn't willing to help. The typical monthly income for them was $50K, and they were able to get a loan of $66K for 24 months. The turnaround time was 8 hours.
    Restaurant Owner
    A company coach was seeking to invest in a health and cosmetics company. With just over 12K in revenue per month, they borrowed $24K over 24 months. This required twelve months worth of statement and was completed in just 8 hours.
    Business Coach

    The lending landscape has changed

    With banks and traditional lenders tightening credit conditions and the constant stream of non-bank and alternative loan providers entering the market provides an excellent source for you to access.

    Ardmore SME’s are now in a position to obtain finance via other lenders in Ardmore who are focused on enabling company expansion or smoothing out cash flow issues. In the past, private credit options (drawing equity from a home loan, or using credit cards, personal loans and loans) could be the best alternative financing solutions within Ardmore that were available.

    There is now not a need for you to depend on real estate to secure company credit. With an unsecured loan, business financing is now easy. Instead of a term loan through a bank, business finance for an SME with interest rates and loan terms that can help in cash flow are around as business loan options.



    High level summary

    Separate personal and business debt

    There are many benefits by separating personal and company debt.

    • Your home, or other investmentsaren’t tied in order to access funds
    • It is the business is in a more favourable place to develop its own, clear credit history
    • It is much more straightforward when it comes to tax time
    • Businesses can easily assess how they are performing, monitor and plan on being able to easily assess their cash flow position

    Limit your exposure, and make tax times simpler, start with an unsecured busines loan, apply today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your business and personal company assets separate is that your home isn’t tied to access the funds. If you’re looking for a small business loan in Ardmore up to $100K an asset security agreement will not be required so long as the borrower meets their loan obligations.

    Credit history

    Businesses will be in a advantageous long-term situation if they can demonstrate good credit/debt capacity to pay.


    The separation of personal as well as business financial accounts makes it more seamless with regards to tax time - particularly when determining what is the tax-deductible allocation. The IRD has outlined the requirements for evidence to be able to claim deductions on an individual’s tax return. This is a subject that the IRD has advised specifically on.

    Cash flow

    Effective cash flow management is key for the long-term success that of any business. By keeping your personal finances and business finance separate, companies can easily view their cash flow, plan and monitor it based on their ability to accurately assess their cash flow position.

    I can now fund the construction of our newly constructed Ardmore resturant without having to pull cash from the other locations.
    Ardmore Resturant Owner
    Business loans, particularly those that are unsecured business loan or line of credit for business financing need not be a difficult procedure. Business finance in the form of small business loans at an interest rate cost, and with a repayment period that will suit the requirements of your company financial needs.
    Business Lenders for Business Goals
    Business loan interest rates and repayment conditions, and flexible repayment options that can be tailored to your business needs.
    Business Lending Options
    I am now able to make beverages for customers with the best equipment.
    Cafe Owner
    Simple loan application procedure with a huge borrowing limit, minimal requirements for credit, and there is no requirement to submit a business plan. Don't use your personal credit card and company credit cards to fund your business.
    Unsecured Loans Made Simple
    I can now take vacation knowing that my Ardmore business will run without a hitch.
    Local Business Owner
    I can now hire an experienced marketer to help me increase the success of my business to the next level of business growth.
    Growing Business
    I'm able get my tax back on time.
    Small Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Ardmore Small Business Loans

    Let me know more about Ardmore Small Business Loans

    Ardmore unsecured loans offers the range of $5,000 to $100,000. The terms range between 3 and 24 month and cash flow friendly repayments that are either per day or weekly.

    How is how is the Unsecured Loan different from the traditional company loan?

    Apply to this Small Business Loan in under 10 minutes over the phone. You’ll get an answer within the same day and the money could be available in just 24 hours. Traditional business loans have an interest rate per annum along with other charges and fees. Our business loan is a cash-based loan therefore you’ll be aware of the total amount payable including any fees, interest or charges. Then, it is divided into a daily or weekly amount to be paid back.

    What could be the Small Business Loan be used for?

    A Small Business Loan can be used to fulfill almost any company reason, such as managing cash flows, business remodels and marketing, to purchase inventory or new equipment, to fund general working capital and much more. The loan cannot be used for personal purposes.

    About the Larger Ardmore Business Loans

    What is the Larger Ardmore Business Loan?

    The Larger Business Loan is a larger loan size to support company growth opportunities. Loans are between $100,000 and $500,000 for a fixed period of with a maximum of 36 months. The repayments are made weekly or fortnightly, depending on your cash flow.

    How’s the Origination Fee determined?

    The Larger Business Loan has an Origination Fee that is calculated at 2.5 percent of the loan amount.

    Am I eligible for the Larger Business Loan?

    To be eligible for a credit in this amount the company needs to be operating for a minimum of 3 years with an annual turnover of $700K. You must be a New Zealand Citizen (or Permanent Resident) who is over the age of 18, own a New Zealand business (with a valid NZBN/IRD) and be able to demonstrate at least 12 months of trading.

    How can the funding be used for?

    A Larger Business Loan can be used for nearly any company reason, such as company renovations, purchase of equipment or inventory, as general working capital and much more. The loan is not available for personal use.

    Is the Larger Business Loan one that requires security?

    Asset security is required for accessing funds over $150,000. This is as a result of an charge over assets, which could also include registration in the PPSR or filing as a caveat.

    A personal or director’s guarantee is a commitment to repay credit that is generally based rather than defining the security of a specific asset. The person who signs the ensure is personally accountable if the company lender is not able to make the repayment.

    The Personal Property Securities Register (PPSR) is a central, national online register operated by the New Zealand Government. It records security interests that have been registered in respect of personal property (including objects or assets). The PPSR allows preference over private property assigned in accordance with the date on which a registration of a security interest.

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

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

    If you’re requesting larger company loans of more than $250,000 it’s possible to offer an initial pre-approval that will help simplify the process. We might be able to make this decision without a credit check and within six hours of your initial application. The pre-approval process is based on a preliminary assessment which includes the answer to a series of financial well-being checks. It is neither an offer nor a guarantee of financing. A conditional approval is subject an extensive credit evaluation and any offer that you receive could be subject to different conditions.

    The application process

    Do I qualify for funds?

    You can apply for a company loan if you:

    • are a New Zealand Citizen (or Permanent Resident)
    • are over 18 years, have a New Zealand company (with a valid NZBN/IRD)
    • must show at least six months worth of trade (for a unsecured loan $5K – $100K) or 3 years of trading (for the Larger Business Loan $100K up to $500K)

    How do I apply?

    The application process is simple and simple. Simply complete the online form in just a few minutes, and an experienced business lending specialist will be in touch to guide you.

    For a loan of up to $100,000 you’ll need the right identification documents (valid Driver’s License) and a valid NZBN/IRD and at least 6 months’ worth of bank statements.

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

    $100K to $250K: Application requirements, including credit consent, 6-12 months of bank statements, IRD statement (if you have a loan of more than $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, in addition to interim financial statements for the current year including Aged Payables, Aged Receivables summaries.

    What speed will I be able to get an answer?

    For an unsecured loan ($5K to $100K) we can often provide an answer within an hour if you apply at standard company hours and you allow us to utilise the advanced bank verification system to immediately verify your bank account information online. If you choose to upload copies of your bank statements , we will be able to offer a decision in as little as an business day.

    For the Larger Business Loan ($100K or more) we may be likely to provide you with conditional pre-approval within 6 hours. After you’ve signed the pre-approval, turnaround times are between 2 and 3 days for the final approval. However, this may be quicker depending on the circumstances of each application. Some offers have been approved within less than 24 hours.

    The quickest way to apply can be make sure you apply during standard company hours and permit us to use the modern bank verification link to instantly verify your bank information online. If you opt to upload documents from your account statement, it can take a bit longer.

    How soon will I receive the funds?

    For the Small Business Loan ($5K or more) we usually offer an answer within an hour, provided you apply within standard business timings and allow us to utilise the advanced bank verification system link to immediately verify your bank account information online. If you decide to upload copies of your bank statement, we’ll offer the decision in just the span of one business day.

    If you are applying for Larger Business Loans ($100K and up) we could be able to offer the conditional pre-approval within about 6 hours. Once you’ve signed the pre-approval document, you will require to wait around 2-3 days for final approval, however this can be faster depending on the circumstances of each application. Certain agreements have been approved in just 24 hours.

    The most effective method is to ensure you apply during standard business hours. You can also allow us to use the sophisticated bank verification link to confirm your bank details online. If you choose to send us duplicates of your banking statement, it may take a bit longer.

    What’s the minimum amount I can borrow?

    We offer loan amounts between $5,000 to $500,000. When you make an application for a specific amount we consider a variety of factors for determining the well-being that is your company and the level of repayments that your company can afford. The total amount of your loan will depend on the particular circumstances that are unique to your company.

    When you submit an application for a particular amount, we consider a variety of elements to assess how much we can lend you such as well-being that is your business as well as the amount of payments your company is able to afford. The total amount of your loan will be contingent on the particulars that are unique to your company.

    Fees & repayments

    How much do you charge for the cost of a business loan?

    When you request our company loan, we will assess the risk profile that you have for your company and offer you with a tailored proposal that includes loan amount, term and the interest rates. It is a business loan is an upfront-priced loan which means you be aware in advance of the total amount to be paid, including any costs, fees, or interest rates.

    What is the basis for the rate I’m charged?

    Interest rates for business loans rates depend on several factors such as the amount that is borrowed, the company assets the money will be used for and the sector the business is operating in, how long the business has been operating as well as what percentage of the company has sufficient cash flow to pay for the loan, as well as the general health or creditworthiness of the business.

    What are the costs?

    There are no hidden costs with our company loans, and you’ll know exactly how much it is that you need to pay and when, right from the very first day. There’s no compounding interest, and there are no additional charges (as as you make your payments punctually).

    We don’t charge an application fee. You are able to request a credit loan no cost upfront or the obligation to take action.

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

    Can I pay off the loan earlier?

    You can repay all of your advance loan at any time.

    If you decide to take this route, please speak to our friendly business credit professionals. The specialists will offer you with details on repayment along with an early payout estimate. It will be calculated using the sum of the remaining principal amount and the accrued interest up to the time of early payout plus 1.5% of the remaining principal and any outstanding fees.

    How do you make repayments work?

    To help you avoid missing due dates and also to be in line with your cash flow cycle we provide repayments either daily or weekly. These are automatically deducted from your nominated company account.

    Security & privacy

    Will my information be protected?

    The security of your personal information, as well as making it clear the ways we gather data, process, exchange and secure your information, is of paramount importance and an integral part of our relationship you.

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

    Yes. We utilise industry-recognised encryption protocols to safeguard your personal, sensitive and financial data and our funders are ISO 27001 certified for our commitment to protecting the security of clients and privacy. We use an advanced banking verification system to instantly verify your bank account details online. This allows us to offer a fast response.

    About business loans

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

    An asset-based loan is when an company owner makes use of an asset they own to secure the funding. The asset can be either an individual asset, such as the family home or a business asset such as a truck or piece of equipment.

    The vast majority of banks, not just the banks with the biggest size, prefer to secure loans against an asset. If you have trouble paying back the loan, your assets could be taken over by the lender. In essence it’s an opportunity to secure new financing by using the value of what you already own.

    Do I need security to get a company loan?

    Up to $150,000 in loans the requirement for asset security is not required prior to the loan’s access However, we do need an individual guarantee. As long as you follow your loan obligations (as specified in your loan contract) and you are able to meet your obligations, asset security is not required. For loans that exceed $150,000, typically, you will need a personal guarantee and security is provided in the form of the charge of assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction houses & auction websites
    • Debt purchasers & debt collection firms
    • Direct marketing including direct-mail, mail order, fundraising, telemarketing etc
    • Finance lenders and institutions
    • {Firearm related businesses
    • Foreign currency exchange services
    • Customs clearing houses & freight forwarding
    • Anything gambling related
    • Not-for-profit organisations such as charities and churches etc.
    • Panel beaters & smash repairers
    • Pawnbrokers and pawn shops
    • Property developers
    • Stockbrokers, shares andinvesment businesses
    • Tattoo palours
    • Ride sharing or taxi services
    • Entertainment sales or ticket resellers
    • Towing services
    • Secondhand automotive dealerships
    • Automotive glass tintingfirms
    • Vehicle wrecking yards

    We can’t assist with an unsecured business loan for 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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