Unsecured Business Loans Birkdale NZ

In The Next Few Hours, You Could Have Everything You Need to Be Successful With a Birkdale Business Loan

Unsecured Business Loans Birkdale

A Birkdale unsecured business loan is simple and quick to obtain. Apply for a loan quickly and start using the funds for your business.

  • Would extra funds help your business by allowing you to work capital or to take advantage of an opportunity to grow?
  • How do you finance your business requirements?

What to expect:

  • It’s easy to apply and get approved and cash as quickly as tomorrow
  • Optionally , no reayments during the initial 4 weeks
  • From $5k to $500K in loans
  • Terms ranging from 3 to 36 month
  • Competitive rates of interest prices
  • Minimal documentation required

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

I'm now able employ a marketing specialist to take my company to the next stage.
Growing Birkdale Business
I can get my tax back in order.
Small Business Owner
I'm now able fund the construction of our new Birkdale resturant without having to borrow cash from other ones.
Birkdale Resturant Owner
I'm now able to go on time off knowing that it is safe knowing that Birkdale company will run without a hitch.
Local Business Owner
I'm now able to prepare beverages for customers using the best equipment.
Cafe Owner
A simple loan application process with a generous loan limit, with minimal credit criteria and no requirement to submit a business plan. Do not use your personal credit card or business credit cards in order to fund your company.
Unsecured Loans Made Simple
Business credit rates and repayment terms as well as flexible repayment options to suit what your business requirements.
Business Lending Options
Business loans, particularly one that is 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 at an interest rate and repayment period that will suit the needs of your company liquidity.
Business Lenders for Business Goals
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for business loans in Birkdale business financing for company in Birkdale with us is easy and takes only less than a minute, with no piles of paperwork or long waits.

Be approved and receive your cash within 1 to 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We aim to help Birkdale businesses of all types, whether small, medium or solopreneurs to access funds quickly so that they can utilise the loan to expand and develop.

  • 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 that wants for you as well as your company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Birkdale of between $5K and $100K is fairly low.

  • A minimum of six months in business
  • At least $6,000 of revenue per month
  • Be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Use an account with a New Zealand bank as your principal trading account
  • Bank statements for the last 6 months

Do you need more money? Take a look at the guidelines for eligibility for our $100K to $500K business financing.

Here's How Others Have Benefited

Examples of Business Loans

A plumber who has had business for three years with $80K in monthly sales was looking for more funding. They were able to borrow $153K over a 36 month term. The only thing needed were 12 months' worth of statements as well as confirmation of their status with IRD. The process was complete within just a few hours and the plumber received their additional working capital in ther account shortly thereafter.
An interior designer saw an opportunity to expand their company and needed working capital in order to finance this expansion. With monthly revenue of $300K they took out a loan of $250K for 24 months. The turnaround time was only 2 days, and all they had for them to present were 12 months worth of banking statement IRD confirmation, IRD confirmation and their trust deed.
Interior Designer
Following the purchase of a pizza restaurant and 2 liquor stores six to 12 months prior, the new owners were seeking additional funds. The total revenue of the two stores was more than $500K per month and they could borrow $300K and split it into $100K for each store, with a mix of 24 and 36 months. There was no security on the owners' houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
A restaurant owner wanted to open a second restaurant and needed money to fund the fit out. 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 over the course of 24 months. It took only 8 hours to get access to the funds.
Restaurant Owner
The owner of a modest grocery store that earned $70K per month borrowed $76K over a 24 month period, with no payments during the initial 4 weeks. The loan required 12 months of bank statements. Turnaround time was just 6 hours from submitting the application to receiving the funds.
Grocery Store Small Business Loan
Simple eligibility checklist

Larger Birkdale Business Loan Eligibility Criteria

The eligibility requirements for loans from larger Birkdale business loans of between $100K and $500K include:

  • Minimum of 3 years trading in business
  • At least $700K in annual revenue
  • Be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for identification
  • Make sure you have an account with a New Zealand bank as your principal trading account
  • Bank statements from the previous six months
  • Some financial statements such and Profit & Loss and Aged Accounts Payable and Receivable

You are looking for a lesser amount of funding? Check out the eligibility requirements for our $5K-$100K Birkdale unsecured company loans.

Business Lending for a Cash Injection

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

A Birkdale unsecured loan is perfect for nearly any company purpose. Call us now.

  • Add or remodel a commercial premises
  • Grow the team for busy periods
  • Boost stock levels to keep pace with demand
  • Create a new site or improve your marketing
  • Put money into new tools, equipment or technology
  • Purchase extra stock to cover seasonal demand
  • Control cash flow fluctuations
  • Plus many more …

Do you want to start working on one of these options as early as tomorrow? Then get in touch with us today or send an application online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All you need to start is your contact information (the name of your company, your name, email, phone), how much you’d like to lend, and your monthly earnings.

While in the process and before settlement we will require confirmation of who you are, but not to get started:

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

In addition, once we have started with loans that exceed $150,000, you’ll need basic financial statements.

  • Profit & Loss 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

    With the busy Christmas season nearing, a clothing store required working capital in order to fund extra stock and take advantage of discounts from suppliers. They took out a loan of $20K over a period of 12 months without collateral for their assets, and they had the funds in less than 24 hours.
    Clothing Store
    An interior designer had noticed an opportunity to grow their business and needed working capital to fund this expansion. With a monthly income of $300K, they borrowed $250K over the course of 24 months. Turnaround time for them was just two days, and all they needed to present the required documents were twelve months' bank statement IRD confirmation, as well as their trust deed.
    Interior Designer
    A gym that had been running for more than three years was looking to expand and required additional equipment. With an average monthly revenue of $37K they borrowed$72K over a 24 month period. There was no security requirement for the loan and it was settled within 24 hours.
    A plumber who's had business for 3 years with monthly sales of $80K was in search of additional funds. They borrowed $153K over the course of 36 months. All that was needed is 12 months worth of banking statement and confirmation from the IRD. The process was completed within just a few hours and the plumber received their additional working capital in their account in a matter of hours.
    A business coach was seeking to invest in a health and cosmetics company. With just over $12K in monthly revenue the business was able to borrow $24K over 24 months. This required 12 months of bank statements and was done in only 8 hours.
    Business Coach

    The lending landscape has changed

    With banks and traditional lenders tightening their credit terms as well as the continuous stream of alternative and non-bank loan providers entering the market offers the perfect source to make use of.

    Birkdale SME’s are now capable of accessing finance through other lenders in Birkdale who are focused on facilitating business expansion or smoothing cash flow issues. In the past individual credit providers (drawing equity from the home loan, or using credit cards or personal loans, as well as credit cards) could be the best alternative funding services available in Birkdale that were around.

    There is now an end to the need in the present to rely on real estate to secure company lending. With an unsecured loan business funding is simple. Instead of a loan for a term with banks, business finance for an SME with interest rates and loan terms that aid to manage cash flow are around as business credit options.



    High level summary

    Separate personal and business debt

    There are many advantages associated in separating personal from business debt.

    • Your home, or other investment properties, aren’t held in order to access funds
    • It is the business is in a more favourable position to build its own credit history
    • It’s substantially more seamless for tax time
    • Businesses can easily view, monitor and plan based on being able to clearly examine their cash flow status

    Limit your exposure, make the tax process simpler, start with an unsecure busines loan. Make an application today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your personal and business assets apart will be the fact that your home isn’t tied to the funds. In the case of a business loan in Birkdale up to $100K, asset security will not be needed as long as the borrower meets the loan requirements.

    Credit history

    Businesses are in a more stable long-term position when they have a good credit or debt ability to service.


    It is important to separate personal from business finances makes it more straightforward when it comes to tax time - particularly when identifying what is the tax deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has laid out requirements for evidence to claim deductions on the tax return of a company. This is a subject that the IRD have specifically advised on.

    Cash flow

    A well-organised cash flow management system is crucial to the longevity that of any business. By keeping your personal finances and business finances distinct, companies can easily view their cash flow, plan and monitor it based on the ability to clearly evaluate their cash flow situation.

    I am now able to fund the fitout of our newly constructed Birkdale resturant without having to pull cash from the other locations.
    Birkdale Resturant Owner
    Business loans, specifically an unsecured business loan or line of credit to business financing need not be a tense procedure. Finance for a business in the shape of small business loans at an interest rates and repayment schedule which is compatible with your company budget.
    Business Lenders for Business Goals
    I'm now able employ an experienced marketer to help me boost my company to the next step of business growth.
    Growing Business
    I can now make beverages for clients using the best equipment.
    Cafe Owner
    I can get my tax back on time.
    Small Business Owner
    I'm now able take a holiday knowing I am confident that my Birkdale company will run smoothly.
    Local Business Owner
    Business loans with interest rates and repayment terms and flexible repayment options to fit the needs of your business needs.
    Business Lending Options
    A straightforward loan application process with a large amount of borrowing capacity, a low credit criteria and no requirement to present a business plan. You no longer need to use your personal credit card and company credit card to finance your company.
    Unsecured Loans Made Simple
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Information About The Birkdale Small Business Loans

    Tell me how you can avail the Birkdale Small Business Loans

    Birkdale unsecured loans provides amounts of between $5,000 and $100,000, with terms ranging from 3 and 24 months. They also offer cash flow friendly repayments that are either daily or weekly.

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

    It is imaginable to apply for this Small Business Loan in under 10 minutes via the internet or on the phone. You’ll receive an answer within the same day and the funds could be in your account in 24 hours. Traditional company loans reference an annual rate of interest together with additional fees and charges. This business loan is a cash-based loan and you’ll know in advance the total amount to be paid, including any interest, fees or charges. Then, it is broken down into a daily or weekly repayment figure.

    What could be the Small Business Loan be used for?

    It is a Small Business Loan can be used for virtually every business use, including control of cash flow company renovations, marketing, to purchase inventory or new equipment, for general working capital and much more. The loan is not available for personal reasons.

    About larger Birkdale Business Loans

    What is the Larger Birkdale Business Loan?

    The Larger Business Loan is a larger size of loan that can be used to fund business growth opportunities. Loans range between $100,000 and $500,000 over a fixed term with a maximum of 36 months. Repayments are either weekly or fortnightly to work with the flow of cash.

    How’s the Origination Fee determined?

    This Larger Business Loan has an Origination Fee which is determined at 2.5 percentage of the amount of the loan.

    Am I eligible for the Larger Business Loan?

    To be eligible for a loan in this amount, your company needs to have been operating for at least three years with an annual turnover of $700K. You must be a New Zealand Citizen (or Permanent Resident) at least 18 years old, own a New Zealand business (with a valid NZBN/IRD) and be able demonstrate at minimum 12 months of business.

    How can the funds be utilised?

    A large business loan can be used to fund almost every company need, including company improvements, purchasing equipment or inventory or as general working capital, and much more. The loan cannot be used to fund personal expenses.

    Is the Larger Business Loan one that requires security?

    Asset security is needed to obtain funding above $150,000. This can be done by taking a charge over assets, and may include registration on the PPSR or the registration of a caveat.

    A director’s or personal ensure is a promise to pay back a loan that is generally based rather than stipulating the security of a specific asset. The person signing the ensure is personally responsible if the business borrower is unable to re-pay the debt.

    The Personal Property Securities Register (PPSR) is an online central register that is operated by the New Zealand Government. It reflects security interests granted to individuals who own personal property (including objects or assets). The PPSR gives prioritisation over property that is personal to be assigned depending on the date that a security interest was registered.

    An affidavit is an official form of document to provide the legal claim on a property.

    What is a pre-approval minus Credit Check?

    If you’re seeking larger company loans that is greater than $250,000 it is possible to offer an initial pre-approval in order to simplify the process. It is possible to do this without a credit check, and within 6 hours of your initial application. The pre-approval is based upon an initial assessment that includes you answering some financial health questions. This 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 might receive could be based on different terms.

    Application process

    Are I eligible for funding?

    You may be eligible for an business loan if you;

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

    How do I apply?

    The application process is fast and easy. Just fill out the online application in just a few minutes, and an experienced company loan specialist will contact you to help you.

    To be eligible for up to $100,000, you’ll require identification details (valid Driver’s License) and a valid NZBN/IRD and at least six months worth of bank statements.

    For larger loan sizes, you’ll require:

    $100K – $250K: Information about the application including credit consent, 6-12 months of IRD statements, bank statements (if credit is over $150K).
    $250K to $500K: Details of the application, including credit consent and 12 months bank statement, an IRD statement and the last two years’ finalised financial statements, in addition to interim financial statements for the current year including Aged Payables, Aged Receivables Summary.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K to $100K) we can often offer an answer within an hour – as long as you make your application within standard business hours and allow us to make use of the advanced bank verification system link to instantly verify your bank information online. If you want to upload copies of your bank statements we can provide the decision within 1 business day.

    For the Larger Business Loan ($100K and up) we may be capable of provide you with pre-approval conditional to your application within 6 hours. Once you’ve signed the pre-approval document, you will require to wait between 2 and 3 days for the final approval, however this may be quicker depending on the circumstances of each application. Some agreements have been approved within less than 24 hours.

    The most efficient method can be ensure you apply during standard company hours and permit us to use the advance bank verification link to verify your bank account information online. If you upload duplicates of your banking accounts, it may take a bit longer.

    What is the time frame to receive the funds?

    For the Small Business Loan ($5K and up) We can usually provide an answer within an hour, provided you make your application during standard business timings and allow us to utilise the advanced bank verification system to instantly verify your bank information online. If you opt to upload copies of your banking statements, we are able to provide the decision in as little as an business day.

    If you are applying for Larger Business Loans ($100K or more) we might be capable of provide you with a conditional pre-approval in around six hours. Once you’ve signed your pre-approval, turnaround times are about 2-3 days for final approval, however it could be faster based on the specifics of each application. Certain agreements have been approved in 24 hours.

    The fastest method can be ensure you apply during normal business hours and permit us to use the advance bank verification link to instantly verify your bank information online. If you decide to send us copies of your bank statements, it can take a bit longer.

    What is the maximum amount I can borrow?

    We provide loan amounts between $5,000 to $500,000. When you submit an application for a certain amount we look at a variety of elements in order to assess the well-being that is your business and the amount of repayments that your company will be able to support. The amount you receive from your loan will be contingent on the particular circumstances of your business.

    When you submit an application for a certain amount, we take into consideration a variety of aspects to determine how much we can lend you such as well-being that is your company and the amount of repayments that your business is able to afford. The total amount of the loan will be determined by the particulars the company.

    Fees & repayments

    How much should you charge for an business loan?

    When you apply for our company loan, we’ll assess the risk assessment the company and offer you with a customised offer, including loan amount, term and interest rates. This company loan is a loan that is priced upfront which means you know in advance the total amount due, which includes any charges, interest rates or fees.

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

    The interest rates on company loans rates depend on a variety of factors like the amount of money of money borrowed, the company assets the funds will be used for in addition to the industry that the business is operating in, how long the business has been operating, what percentage of the company has sufficient cash flow to support the loan, and also the general health and creditworthiness of the business.

    What are the cost?

    There are no hidden fees with our business loans, and you’ll know exactly how much you’ll need to pay and when, right from the first day. There’s not any compounding interest and there are no additional charges (as as you make your payments on time).

    We don’t charge an application fee. You can request a credit loan with absolutely no upfront cost and no any obligation to sign up.

    The Origination Fee covers the expenses involved in establishing and managing the loan. This is only a fee if you choose to proceed with the loan. Our Origination Fee is 2.5 percent of the loan amount.

    Can I pay out the loan earlier?

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

    If you are deciding to pursue this option, please call our helpful company credit specialists. They’ll offer you with details for repayment and an early payout figure. This will be calculated as the sum of the remaining principal amount plus any accrued interest as of the time of the early payout and 1.5 percent of the remaining principal as well as any outstanding fees.

    How do repayments work?

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

    Security & privacy

    Will my information be secure?

    The security of your personal information, as well as being clear about how we collect, use, exchange and secure 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 make use of industry-standard encryption techniques to protect your personal, sensitive as well as financial data. Our funders are ISO 27001 certified for our commitment to the security of our clients as well as their privacy. We make use of an advanced banking verification system to instantly verify your bank account information online to offer an immediate response.

    About business loans

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

    An asset-based loan is when an company owner makes use of the assets they have to secure the funds for a loan. The asset may be an individual property, such as the family home, or an business property like a truck as well as a piece of machine.

    The majority of lenders, even the big banks, tend to make loans secured by an asset. If you have trouble paying back the loan, your asset may be transferred to the lender. In essence it’s a way of securing additional financing using the worth of the asset you already have.

    What do I need security for a company loan?

    For loans of up to $150K, there is no requirement for asset security in advance to gain access to the funds however, we do require an individual guarantee. If you adhere to your loan commitments (as stipulated in the loan contract) the security of assets is not required. For loans that exceed $150,000, generally, there is an individual guarantee and security that is in the form a charge over assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction houses or auction websites
    • Debt collection companies & debt purchasers
    • Direct marketing such as direct-mail, mail order, fundraising, telemarketing etc.
    • Financial institutions & lenders
    • {Firearm dealers
    • 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 development
    • Investment business, shares or stockbrokers
    • Tattoo palours
    • Ride sharing & taxi services
    • Entertainment sales and ticket resellers
    • Towing services
    • Used automotive dealerships
    • Vehicle glass tintingservices
    • Vehicle dismantlers

    Although we cannot assist with an unsecured business loan for those industries, we might be able to help you by providing a 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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