Unsecured Business Loans Ascot Park NZ

If You Do This Today, You'll Be On The Right Track To Success By ObtainingThe Help Of an Ascot Park Business Loan

Unsecured Business Loans Ascot Park

An Ascot Park unsecured business loan is simple and quick to get. Apply for a loan quickly and start using the funds for your company.

  • Could additional funds assist your company in working capital, or in achieving a growth opportunity?
  • What is the financing strategy you are using to fund your business requirements?

What to expect:

  • Simple process to apply to be approved and receive cash as quickly as tomorrow
  • No reayments are permitted in the initial four weeks
  • Amount of loan from $5k up to $500K
  • Terms ranging from 3 to 36 month
  • Competitive interest prices
  • Minimal docs required

The criteria for eligibility for an unsecured business loan to be made in Ascot Park are fairly minimal.

I can now hire a marketing professional to help me take my company to the next step.
Growing Ascot Park Business
I'm now able to go on a holiday knowing it is safe knowing that Ascot Park company will run well.
Local Business Owner
A simple loan application process with a generous loan limit, with minimal requirements for credit, and there is no requirement to create a business plan. You no longer need to use your personal credit card and business credit cards in order to finance your business.
Unsecured Loans Made Simple
I am now able to make coffee for my customers using the best equipment.
Cafe Owner
Business loans, specifically those that are unsecured business loan or line of credit for business financing require have no stressful process. Finance for a business in the shape in the form of small business loans that have an interest rate cost, and with a repayment term that fits your business budget.
Business Lenders for Business Goals
I'm now able to finance the fitout of our new Ascot Park resturant without having to borrow cash from other locations.
Ascot Park Resturant Owner
Business credit rates and repayment terms and flexible repayment options to fit what your business requirements.
Business Lending Options
I can get my tax back in order.
Small Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for business loans in Ascot Park business credit in Ascot Park with us is easy and takes just about a couple of minutes, there are no mountains of paperwork or queues.

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

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

Our goal is to assist Ascot Park companies of all kinds, including medium, small and even solopreneurs access funds quickly so that they can make use of the loan to build and expand their business.

  • It all starts with a simple online application or by phone
  • Flexible repayment terms to suit your company
  • Fast cash in just a day or two
  • A team wanting both you and your business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The eligibility requirements for an unsecured business loan in Ascot Park of between $5K and $100K are fairly minimal.

  • A minimum of six months in business
  • At least $6,000 revenue per month
  • You must be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as proof of identity
  • Use an account with a New Zealand bank as your principal account for trading
  • Bank statements from the last six months

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

Here's How Others Have Benefited

Examples of Business Loans

The owner of a small grocery store making $70K a month borrowed $76K over a 24-month period with no repayments during the initial 4 weeks. This was contingent on 12 months of bank statements. The turn around time was 6 hours from submitting the application to receiving the funds.
Grocery Store Small Business Loan
After purchasing a pizza place and two liquor stores six to 12 months earlier the new owners needed more funds. The total revenue of the two stores was more than $500k per month. They could have borrowed $300K. This was then split as $100K for each store using a mix of 24 and 36 month terms. There was no security on the owners' houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
The busy Christmas season was approaching, a clothing store needed additional working capital to finance additional inventory and to take advantage of the discount offered by suppliers. They were able to borrow $20K for 12 months with no collateral for their assets, and they had the funds in less than 24 hours.
Clothing Store
A plumber who's operated their business for 3 years, with 80K in monthly sales was looking for additional funding. They took out $153K on 36 months. All that was required was 12 months of bank statement and confirmation from the IRD. The procedure was completed within an hour and the plumber received their additional working capital in ther account in a matter of hours.
A business coach was looking to invest in the health as well as beauty company. With a little over $12K in monthly revenue they borrowed $24K in 24 months. The loan required 12-month bank statements and was done in only 8 hours.
Business Coach
Simple eligibility checklist

Larger Ascot Park Business Loan Eligibility Criteria

The requirements for eligibility to be eligible for larger Ascot Park business loans of between $100K and $500K include:

  • Minimum of 3 years 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 Licence for evidence of identity
  • Have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the past 6 months
  • Certain financial statements include Profit & Loss and the Aged Accounts Payable and Receivable

You are looking for a lesser amount of funds? Look over the conditions for eligibility for our $5K-$100K Ascot Park unsecured company loans.

Business Lending for a Cash Injection

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

An Ascot Park unsecured loan is perfect to use for every company need. Contact us now.

  • Renovate or expand the commercial space
  • Hire more staff during busy periods
  • Grow stock quantities to keep pace with demand
  • Build a new website or boost your marketing
  • Consider investing in the latest equipment, tools or technology
  • Make sure you have extra stock on hand to meet the seasonal demand
  • Manage cash flow fluctuations
  • Plus lots more …

Do you want to begin one of these projects as soon as tomorrow? Then get in touch with us now or apply online to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All that is needed for starting is your contact information (company name, your name, email address and phone), how much you want to borrow, and your monthly revenue.

During the process and before settlement we’ll need confirmation of your identity, however, not in order to begin:

  • Details of the Idenfication (valid Driver’s License)
  • Information about the business, including details on trading hours, ownership details , and the NZBN (New Zealand Business Number)

After we start, for loans greater than $150,000 you’ll need fundamental financial statements:

  • P&L 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 going for nearly 3 years wanted to grow and required additional equipment. With monthly revenue of $37K they borrowed $72K over a 24 month period. No security was needed and the loan was settled in the span of 24 hours.
    An interior designer had spotted an opportunity to grow their company and required working capital to finance this growth. With monthly revenue of $300K they took out a loan of $250K for 24 months. The time to turn around for them was just two days, and all they had for them to provide is 12 months' worth of Bank statement IRD confirmation, as well as trust deed.
    Interior Designer
    A plumber who has been in business for 3 years with the monthly revenue of $80K was looking for additional funding. They borrowed $153K over 36 months. All they needed was 12 months of bank statement and confirmation from the IRD. The procedure was completed within a day and the plumber got their extra working capital in their account within a short time.
    With the busy Christmas season fast approaching, a clothes store required working capital in order to buy more stock and also benefit from discounts from suppliers. They secured $20K over the course of 12 months without security for assets and received the funds within 24 hours.
    Clothing Store
    The owner of a restaurant wanted to open a second restaurant and needed funding to remodel. Their bank was not willing to help. Typical monthly revenue for them was $50K. They borrowed $66K over 24 months. It took only 8 hours to get access to the funds.
    Restaurant Owner

    The lending landscape has changed

    With traditional and bank lenders restricting credit The steady flow of non-bank and alternative loan providers that are entering the market provides a great resource for you to access.

    Ascot Park SME’s are now in a position to obtain finance via alternative lenders that service Ascot Park who are focused on facilitating business growth or smoothing out the cash flow problems. In the past, when private credit options (drawing equity from a home loan, or using credit cards, personal loans and loans) could be the best alternative financing solutions available in Ascot Park that were available.

    There is now no requirement to rely on using real estate to secure company loans. With an unsecured loan business funding is simple. Instead of a term loan with banks, business finance for an SME with interest rates and loan terms that aid in cash flow are around as business loans.



    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 for the purpose of accessing funds
    • It is the company will be in better place to develop its own, solid credit history
    • It’s substantially more straightforward during tax time
    • Businesses can easily assess, monitor and plan based on being able to clearly examine their cash flow status

    Lower your risks, make your tax time more simple, apply for an unsecure busines loan, apply today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your private and company assets apart will be the fact that your home isn’t tied to allow access to the funds. For a small business loan within Ascot Park up to $100K an asset security agreement will not be required so in the event that the borrower has met their loan obligations.

    Credit history

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


    A separation between personal and company finances makes it much more seamless when it comes to tax time, particularly when determining the tax deductible allocation. The IRD has set out rules on the evidence required to claim deductions on the tax return of a company. This is a subject that the IRD has specifically advised on.

    Cash flow

    A well-organised cash flow management system is key for the long-term survival that of any business. Through keeping your personal finances and business finances distinct, companies can easily view their cash flow, plan and monitor it based on the ability to effectively evaluate their cash flow situation.

    I can now hire an specialist marketer to take my business to the next level of business growth.
    Growing Business
    I'm now able make coffee for my customers with the very best equipment.
    Cafe Owner
    Business loans, specifically those that are unsecured business loan or line of credit for business financing need never be an stressful procedure. Business finance in the form in the form of small business loans at a fixed interest rates and repayment time that will suit your company liquidity.
    Business Lenders for Business Goals
    I can now fund the renovation of our newly constructed Ascot Park resturant without having to borrow cash from other restaurants.
    Ascot Park Resturant Owner
    I'm able to get my tax back to keep me on track.
    Small Business Owner
    A seamless loan application process with a large borrowing limit, minimal requirements for credit and there is no need to provide a business plan. Do not use your personal credit card or company credit card to finance your company.
    Unsecured Loans Made Simple
    Business loan interest rates and repayment terms, as well as flexible repayment options to suit you company needs.
    Business Lending Options
    I'm now able take time off knowing that I am confident that my Ascot Park business will run without a hitch.
    Local Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Ascot Park Small Business Loans

    Let me know about the Ascot Park Small Business Loans

    Ascot Park unsecured loans provides amounts between $5,000 and $100,000 with terms between 3 and 24 month and cash flow friendly repayments, which are either daily or weekly.

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

    You can apply to get your Small Business Loan in under 10 minutes on the internet or by phone. You will receive an answer within the same day and the funds could be on your account within 24 hours. Traditional business loans have an interest rate per annum plus other fees and charges. This business loan is a loan that is priced upfront which means you be aware of the total amount to be paid, including any fees, interest or charges. This is then broken down into a daily or weekly payment amount.

    What can be the Small Business Loan be used for?

    A Small Business Loan can be used for virtually any company use, including the management of cash flow, company remodels and marketing to purchase inventory or new equipment, as general working capital and much more. The loan cannot be used for personal use.

    About the Larger Ascot Park Business Loans

    What is the Larger Ascot Park Business Loan?

    The Larger Business Loan is a larger size of loan that can be used to fund company expansion opportunities. Loans are between $100,000 and $500,000 with a term fixed with a maximum of 36 months. The repayments are made weekly or fortnightly to work with your cash flow.

    How is the Origination Fee determined?

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

    Do I qualify for the Larger Business Loan?

    To be eligible for a credit in this amount the company needs to have been operating for a minimum of 3 years and generate an annual revenue of $700K. Your company must belong to a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old, own a New Zealand business (with a valid NZBN/IRD) and be able to prove at least 12 months of trading.

    What can I use the funding for?

    A large business loan is a great option for almost every company need, including business renovations, to purchase 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 required for accessing funds over $150,000. It’s by way of charge over assets, and may include the registration of this in the PPSR or filing a caveat.

    A director’s or personal ensure is a commitment to pay off a credit line that is general in nature rather than specifying the security of a specific asset. The person signing the guarantee is personally responsible if the company lender is not able to pay back the debt.

    The Personal Property Securities Register (PPSR) is an online central register operated by the New Zealand Government. It reflects security interests which are registered with respect to personal property (including items or assets). The PPSR grants priority over personal property to be granted according to the date a security interest that is registered.

    Caveats are legal document filed to offer an official notice of a claim to a property.

    What exactly is a preapproval without Credit Check?

    If you’re applying for a Larger Business Loan of more than $250,000, we may offer an initial pre-approval to simplify the process. We may be able to do this without a credit verification and within 6 hours of the initial application. This pre-approval is based on an initial assessment, which involves the answer to a series of financial health questions. It is in no way an offer, nor is it a guarantee of credit. Unconditional approval is subject to an exhaustive credit evaluation, and any offer you receive could be based on different terms.

    Application process

    Are I eligible for funding?

    You are eligible to apply for an company loan if you:

    • are a New Zealand Citizen (or Permanent Resident)
    • are at least 18 years old, have a New Zealand company (with a valid NZBN/IRD)
    • you must demonstrate at minimum 6 months of business (for the unsecured loan $5K – $100K) or three years of trade (for the Larger Business Loan $100K - $500K)

    How do I apply?

    The application process is quick and simple. Complete the online form within a few minutes and an experienced business loan specialist will contact you to guide you.

    To apply for up to $100,000, you’ll need ID details (valid Driver’s License) along with an active NZBN/IRD, and at least six months of bank statements.

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

    $100K-$250K: Details of application, including credit consent, 6-12 months of IRD statements, bank statements (if loan above $150K).
    $250K – $500K: Details of the application, including credit consent as well as 12 month bank accounts, the IRD statements Last 2 years’ finalised financial statements, as well as interim current financial year financials as well as Aged Payables and Receivables Summary.

    How fast will I get an answer?

    For an unsecured loan ($5K and up) we usually provide an answer within an hour if you submit your request in quality business time and permit us to utilise the bank verification system to instantly verify your bank details online. If you decide to send us copies of your bank statements , we’ll be able to offer an answer within just an business day.

    For Larger Business Loans ($100K or more) we may be capable of provide you with a conditional pre-approval in around six hours. After you’ve signed your pre-approval, turnaround times are about 2-3 days for final approval. However, this can be quicker based on the particular circumstances of each application. Certain transactions have received approval in 24 hours.

    The fastest way can be make sure you apply during normal business hours and permit us to use the advanced bank verification system to verify your bank account information online. If you opt to upload documents from your account accounts, it may take a bit longer.

    How fast will I get the funds?

    For the Small Business Loan ($5K to $100K) we typically offer a response in one hour – provided you submit your request during standard business times and you allow us to use the advanced bank verification system link to instantly verify your bank’s information online. If you choose to send us copies of your bank statements we can offer an answer in just 1 business day.

    If you are applying for Larger Business Loans ($100K up to $500,000) we might be able to provide the conditional pre-approval in about six hours. Once you’ve signed your pre-approval, the turnaround time is between 2 and 3 days for the final approval. However, this can be faster depending on the circumstances of each application. Some transactions have received approval within just 24 hours.

    The quickest method would be to ensure you apply during standard business hours, and let us use the advanced bank verification system link to instantly confirm your bank details online. If you choose to send us documents from your account accounts, it may take a bit longer.

    How much can I borrow?

    We offer the loan amount between $5,000 and $500,000. When you submit an application for a particular amount, we consider a variety of variables to determine your health of the business and the extent of repayments that your company can afford. The total amount of the loan will be determined by the particular circumstances of your company.

    When you apply for a set amount, we will consider a number of factors to assess the well-being of the company and the level of the repayments your company can support. The total amount of your loan will depend on the specifics for your company.

    Fees & repayments

    What is the cost for an business loan?

    When you make an application for the company loan, we’ll assess the risk assessment the business and provide you with a tailored proposal that includes loan amount, term and interest rates. The company loan is an upfront cost loan so you will be aware of the total amount to be paid, including any costs, fees, or interest rates.

    What determines the amount I’m charged?

    Business loan interest rates depend on several variables like the amount to be borrowed, the business assets the money will be used for and the sector the business is operating in, how long the company has been running, how long the business has sufficient cash flow to support the loan, and also the overall well-being or creditworthiness of the company.

    What are the charges?

    There are no hidden costs for our company loans. You’ll be aware of the amount you be required to pay, and when, right from day one. There’s not any compounding interest and the loan comes with no additional fees (as long as you are able to make your payments on time).

    We don’t charge an application fee. You can make an application for loans with no upfront cost or commitment to apply.

    The Origination Fee is the cost associated with establishing and managing the loan. The only way to pay this cost if you take out the loan. Our Origination Fee is 2.5 percent of the loan amount.

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

    You may choose to pay back all of your loan early at any time.

    If you do decide to pursue this option, please speak to our friendly business credit experts. They’ll offer you with details for repayment and an early payout figure. This is calculated as the total of the principal amount remaining plus any accrued interest as of the date of early payout and 1.5 percent of the principal balance and any fees that remain unpaid.

    What is the process for repayments?

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

    Security & privacy

    Will my information be secure?

    Security of your data, and being upfront about the ways we gather, use, exchange and secure your information, is of huge importance and is an essential part 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 personal, sensitive and financial data and our funders are ISO 27001 certified for our commitment to protecting the security of clients and security. We make use of an advanced bank verification system that allows you to immediately verify your bank account details online so we can provide quick responses.

    About business loans

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

    The term “asset-based” refers to borrowing where the company owner uses the assets they have to obtain a loan. The asset may be an asset belonging to the personal, like the family home or an company asset such as a truck or other piece of machinery.

    The vast majority of lenders, including the major banks, prefer to make loans secured by an asset. If you’re struggling to pay back the loan, the asset might be taken over by the lender. In essence it is an opportunity to secure new funding taking advantage of the value of what you already own.

    Are I need security to secure a business loan?

    For loans that exceed $150,000, it is not necessary to secure assets before you are able to access the money, however we require a personal guarantee. require the personal guarantee. So long as you comply with your loan commitments (as stipulated in your loan contract document), asset security is not needed. If you take out loans in excess of $150K generally, you can get a personal guarantee and security that is in the form charges on assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites and auction houses
    • Debt collection firms & debt purchasers
    • Direct marketers such as fundraising, telemarketing, mail order, direct-mail etc.
    • Financial institutions or lenders
    • {Firearm related businesses
    • Foreign currency exchange services
    • Customs clearing houses & freight forwarding
    • Business involved with gambling
    • Non-profit organisations, charities, churches etc
    • Smash repairers and panel beaters
    • Pawn shops or pawnbrokers
    • Property development
    • Investment business, shares or stockbrokers
    • Tattoo studios
    • Ridesharing & taxi services
    • Entertainment sales or ticket resellers
    • Towing services
    • Used car dealerships
    • Car glass tintingfirms
    • Automotive wrecking yards

    While we aren’t able to help with an unsecured business loan for those industries, we might be able assist by providing the secured business loan.

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

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