Unsecured Business Loans Boulcott NZ

By This Tomorrow You Could Be All Set For Success With a Boulcott Business Loan

Unsecured Business Loans Boulcott

A Boulcott unsecured business loan is simple and quick to apply for. Approve your loan in a matter of minutes and use the money for your business.

  • Would extra funds help your business in working capital, or for a growth opportunity?
  • What are the very best ways to finance your company requirements?

You can expect:

  • Easy process to fill out to be approved and receive money as early as tomorrow
  • Optionally no reayments in the initial 4 weeks
  • The range of borrowing is from $5k to $500K.
  • Terms from three to thirty-six months
  • Competitive interest prices
  • Minimal documentation required

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

I can now fund the renovation of our new Boulcott resturant without having to pull cash from the other restaurants.
Boulcott Resturant Owner
I can get my tax back on track.
Small Business Owner
Business loan interest rates and repayment conditions, and flexible repayment options to suit the requirements of your business needs.
Business Lending Options
Business loans, particularly one that is an unsecured business loan or line of credit to business funding require never be an stressfull process. Business finance can be in the form of small business loans with an interest rate cost, and with a repayment time that will suit the requirements of your company liquidity.
Business Lenders for Business Goals
I'm now able take a holiday knowing it is safe knowing that Boulcott company will run well.
Local Business Owner
I'm now able employ an experienced marketer to help me increase the success of my company to the next level.
Growing Boulcott Business
I am now able to make beverages for customers with the best equipment.
Cafe Owner
A seamless loan application process with a large amount of borrowing capacity, a low requirements for credit, and no requirement to provide a business plan. Don't use your personal credit card and business credit cards to fund your business.
Unsecured Loans Made Simple
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting a company financing in Boulcott with us is easy and takes only less than a minute, with no piles of paperwork or long waits.

Receive approval and cash within 1 to 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Boulcott businesses of all kinds, from small to medium-sized entrepreneurs to obtain money quickly, so that they can make use of the loan to expand and grow.

  • It all starts with a simple online application or a phone call
  • Flexible repayment terms that can be tailored to your company
  • Fast funding within a day or two
  • A team that wants for you as well as your business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • 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 Licence for proof of identity
  • You should have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the last 6 months

Need more funds? Review the guidelines for eligibility for our $100K-$500K business loans.

Here's How Other People Have Benefited

Examples of Business Loans

The proprietor of a small grocery store making $70K a month borrowed $76K over a 24-month period, with no payments during the initial 4 weeks. This was contingent on 12 months of bank statements. The turnaround time was only 6 hours from the time of application until receiving the money.
Grocery Store Small Business Loan
A plumber who's operated their business for three years with $80K in monthly sales was looking for more funding. They took out a loan of $153K for the course of 36 months. All they needed was 12 months of bank statement and confirmation of the loan's status with IRD. The procedure was completed within just a few hours and the plumber had their extra working capital in ther account shortly thereafter.
Following the purchase of a pizza store and 2 liquor stores 6-12 months earlier, the new owners were seeking additional funds. The total revenue of the two stores was more than $500K per month . The owners could have borrowed $300K. The loan was split into $100K for each store, with a mix of 24 and 36 month terms. No security over the owners homes was needed.
Owner of a Pizza Store & 2 Liquor Stores
A gym that was operating for over three years, was planning to expand and was in require of additional equipment. With an average monthly revenue of $37K they borrowed $72K over a 24 month period. The loan was not secured and the loan was compelted in only 24 hours.
A business coach was looking to invest in a health and beauty company. With a little over twelve thousand dollars in monthly income, they borrowed $24K over 24 months. This required the submission of 12 months' bank statement and was done in 8 hours.
Business Coach
Simple eligibility checklist

Larger Boulcott Business Loan Eligibility Criteria

The requirements for eligibility to be eligible for the larger Boulcott business loans of between $100K to $500K comprise:

  • A minimum of 3 years of business
  • At least $700K of annual revenue
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification
  • Have a New Zealand bank as your main trading account
  • Bank statements for the last six months
  • Some financial statements such and Profit & Loss and the Aged Accounts Payable and Receivable

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

Business Lending for a Cash Injection

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

A Boulcott unsecured loan is ideal for almost any business reason. Get in touch with us today.

  • Add or remodel commercial spaces
  • Staff expansion during busy periods
  • Grow stock levels to meet the demand
  • Make a brand new website or boost your marketing
  • Put money into new tools, equipment or technological advancements
  • Make sure you have extra stock on hand to meet seasonal demand
  • Control cash flow fluctuations
  • Plus many more …

Want to get started on one of these options as early as tomorrow? Get in touch with us today or send an application online to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All you need for starting is your contact details (company name and your name, as well as email, phone), how much you’d like to borrow as well as your monthly income.

During the process and before settlement we will need confirmation of your identity but not before we can begin:

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

After we start, for loans that exceed $150,000, you’ll also need the following 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 business coach was looking to invest in the well-being and cosmetics company. With a little over $12K in monthly revenues they borrowed $24K in 24 months. This only required twelve months worth of statements and was completed in just 8 hours.
    Business Coach
    The owner of a modest grocery store doing $70K a month borrowed $76K over a 24 month term with no repayments during the initial 4 weeks. This had a requirement of 12 months' bank statements. Turnaround time was just 6 hours from the moment you applied to receiving the money.
    Grocery Store Small Business Loan
    A restaurant owner wanted to open another restaurant and required funds to fit out. Their bank was not willing to help. The typical monthly income for them was $50K. They borrowed $66K for 24 months. The turnaround time was just 8 hours.
    Restaurant Owner
    A gym that was going for nearly 3 years, was planning to expand and was in require of additional equipment. With a monthly turnover of $37K they borrowed$72K over a 24 month period. There was no security requirement and the loan was compelted in only 24 hours.
    A plumber who has operated their business for 3 years, with the monthly revenue of $80K was looking for additional funding. They took out $153K on a 36 month term. All that was needed to be provided was 12 month bank statement and confirmation of their status with IRD. The process was completed within an hour and the plumber was able to access their working capital in their account soon afterward.

    The lending landscape has changed

    With traditional and bank lenders tightening credit conditions The steady flow of non-bank and alternative loan providers entering the market provides an incredible source for you to tap into.

    Boulcott SME’s are now in a position to obtain finance via alternate lenders servicing Boulcott who are focused on facilitating business expansion or smoothing out cash flow issues. In the past, when the personal sources of credit (drawing equity from the home loan, or by using credit cards, personal loans and credit cards) was the sole alternative funding solutions for Boulcott that were available.

    There is now no requirement to depend on real estate to secure business lending. With an unsecured loan, business financing is easy. Instead of a term loan with banks, business finance for a small company with interest rates and loan terms that help with cash flow is around as business loan options.



    High level summary

    Separate personal and business debt

    There are many benefits with the separation of personal and business debt.

    • Your home, or other investments, aren’t tethered in order to access funds
    • This company has a better position to create its own credit history
    • It is considerably more seamless during tax time
    • Businesses are able to easily review the situation, track and plan based on being able to clearly examine their cash flow status

    Limit your exposure, make the tax process more simple, apply for an unsecured busines loan. Apply today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your business and personal company assets separate can be that your home isn’t required to be tied for access to the money. For a modest business loan within Boulcott up to $100K asset security won’t be required so long as the borrower is able to meet the loan requirements.

    Credit history

    Companies will be in a favourable long-term position if they can demonstrate good credit/debt capacity to pay.


    It is crucial to separate personal from company financial accounts makes it more straightforward with regards to tax time, especially when it comes to determining the tax-deductible amount. The IRD has outlined the guidelines on the proof required for claiming deductions on an organisation’s tax return. This is an area that the IRD has specifically advised on.

    Cash flow

    Effective cash flow management is key for the long-term success in any business. By keeping your personal finances and company finances separate, businesses can easily view, monitor and plan based on the ability to effectively determine their cash flow status.

    I can now make coffee for my customers with the best equipment.
    Cafe Owner
    I'm now able to finance the remodel of our brand modern Boulcott resturant without having to pull cash from the other restaurants.
    Boulcott Resturant Owner
    I can now hire an specialist marketer to take my company to the next level of business growth.
    Growing Business
    Business loans, particularly an unsecured business loan or line of credit to business funding require to not become a stressfull process. Business finance can be in the form in the form of small business loans that have an interest rate and repayment schedule that is suitable for the needs of your business cash flow.
    Business Lenders for Business Goals
    I am now able to take time off knowing that I am confident that my Boulcott business will run well.
    Local Business Owner
    Business loans with interest rates and repayment terms as well as flexible repayment options to suit what your business needs.
    Business Lending Options
    I'm able get my tax back on time.
    Small Business Owner
    Simple loan application procedure that comes with a high borrowing limit, minimal requirements for credit, and there is no need to create a business plan. Stop using your personal credit card and business credit cards as a way to finance your company.
    Unsecured Loans Made Simple
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Boulcott Small Business Loans

    Tell me more about Boulcott Small Business Loans

    Boulcott unsecured loans offers amounts between $5,000 and $100,000. The terms range between 3 and 24 months, cash flow friendly repayments that are either per day or weekly.

    How is the Unsecured Loan different from an ordinary business loan?

    You can apply to get this Small Business Loan in under 10 minutes online or on the phone. You’ll receive an instant response and the money could be available in just 24 hours. Traditional business loans are based on an annual rate of interest as well as other fees and charges. Our business loan is an upfront priced loan and you’ll be aware of the amount you will have to pay, including the interest, fees and charges. Then, it is broken down into either weekly or daily repayment figure.

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

    The Small Business Loan can be used for nearly any business reason, such as the management of cash flow, business remodels and marketing, to purchase inventory or new equipment, as general working capital and so much more. The loan is not available for personal reasons.

    About Larger Boulcott Business Loans

    What is the Larger Boulcott Business Loan?

    The Larger Business Loan is a larger loan size to support company expansion opportunities. The loan ranges from $100,000 to $500,000 with a term fixed with a maximum of 36 months. Repayments are either weekly or fortnightly depending on your situation.

    How is the Origination Fee calculated?

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

    Am I eligible for the Larger Business Loan?

    In order to be eligible for a loan of this size the business needs to be trading for at least 3 years and generate an annual revenue of $700K. Your company must belong to a New Zealand Citizen (or Permanent Resident) over 18 years, own a New Zealand company (with a valid NZBN/IRD) and be able demonstrate at minimum 12 months of continuous trading.

    How can the funding be utilised?

    A Business Loan of a larger size can be used for almost any company use, including business remodeling, buying equipment or inventory, as general working capital and so much more. The loan is not available for personal purposes.

    Is the Larger Business Loan one that is secured?

    Asset security is needed for funding of more than $150,000. This is by taking a charge on assets and can include registration on the PPSR or filing as a caveat.

    A personal or director’s guarantee is a promise to repay credit that is general in nature rather than specifying security over a particular asset. The person signing the ensure is personally liable in the event that the business borrower is unable to repay 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 that are registered for personal property (including goods or assets). The PPSR grants the priority of personal property granted in accordance with the date on which a security interest has been registered.

    A caveat is a legal document that is filed to offer the legal claim on a property.

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

    If you’re requesting a Larger Business Loan of more than $250,000, we may offer a preliminary pre-approval to help smooth out the process. We may be able to apply for this without a credit check and within six hours of your initial application. This pre-approval is based on an initial assessment that includes answering a couple of financial well-being questions. This is not an offer of credit or guarantee of financing. Acceptance without condition is subject to an exhaustive credit evaluation, and any offer you may receive may be on different conditions.

    Application process

    Do I qualify for funds?

    You may apply for a business 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)
    • can demonstrate at least 6 months worth of trade (for you to qualify for unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K or $500K)

    How do I apply?

    The application process is fast and easy. Complete the online form in just a few minutes, and an experienced company credit specialist will be in touch to assist you.

    To be eligible for up to $100,000 you’ll need the right identification documents (valid Driver’s Licence) as well as an NZBN/IRD that is valid and at least 6 months of bank statements.

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

    $100K-$250K: Application details including credit consent, 6 – 12 months of bank statements, IRD statement (if you have a loan of more than $150K).
    $250K to $500K: Information on the application including credit consent twelve months of bank records, IRD statements, last 2 years finalised financial statements, in addition to interim financials from the current financial year such as age-related payables and aged Receivables summaries.

    How fast will I get a decision?

    For an unsecured loan ($5K to $100K) we typically provide a response in one hour if you submit your request in standard company hours and permit us to make use of 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 a decision in as little as 1 company day.

    For the Larger Business Loan ($100K or more) we might be able to provide you with conditional pre-approval within 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 upon the circumstances for each application. Some offers have been approved in just 24 hours.

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

    How fast will I get the funds?

    For the Small Business Loan ($5K and up) We can usually offer a response in one hour if you make your application during normal business hours and you allow us to make use of the advanced bank verification system to instantly verify your bank details online. If you decide to submit copies of your bank statements, we will be able to provide the decision within an business day.

    For Larger Business Loans ($100K to $500K) we could be capable of provide you with a conditional pre-approval in about 6 hours. Once you have signed the pre-approval, the turnaround time is approximately 2-3 days to receive final approval, however it could be faster based on the specifics of each application. Some agreements have been approved within just 24 hours.

    The most effective method can be make sure you apply during standard business hours. You can also let us use the advance bank verification link to instantly verify your bank information online. If you send us duplicates of your banking statement, it can take a bit longer.

    How much can I borrow?

    We provide loan amounts between $5,000 to $500,000. If you apply for a specific amount we take into consideration a range of elements in order to assess your health of the business as well as the amount of the repayments your company is able to afford. The total amount of your loan will be contingent on the specifics the business.

    When you make an application for a specific amount we look at a range of aspects to determine the well-being of the company and the level of the repayments your business will be able to support. The amount you receive from your loan will depend on the specifics the company.

    Fees & repayments

    What is the cost for the cost of a company loan?

    When you request our business credit, we’ll assess the risk profile the business and offer you with a customised offer including the amount of the loan, the duration and the interest rates. This company loan is an upfront cost loan therefore you will know the exact amount to be paid, including any charges or interest.

    What determines the amount I am charged?

    Business loan interest rates vary due to factors like the amount of money borrowed, the business assets the money will be used for and the sector the business operates in, how long the company is in operation, how long the company has enough cash flow to pay for the loan, and the overall health as well as creditworthiness company.

    What are the costs?

    There are no hidden costs for our business loans, and you’ll know exactly how much you be required to pay, and when, right from the first day. There’s no compounding interest and the loan comes with no additional fees (as long as you make your payments on time).

    We do not charge an Application Fee. You are able to apply for a loan with absolutely no upfront cost and no the obligation to take action.

    The Origination Fee covers the expenses involved with setting up and managing the loan. This is only a cost if you take out the loan. Our Origination Fee is 2.5% of the amount of the loan.

    Can I repay the loan in advance?

    You may choose to pay back the total amount of your advance loan at any time.

    If you are deciding to do this please contact our helpful company loan specialists. We will provide you with the details of your repayment and an early payout figure. It will be calculated using the total of the principal amount remaining plus any accrued interest as of the date of early payout, plus 1.5% of the principal amount remaining as well as any outstanding fees.

    What is the process for repayments?

    To make sure you do not miss repayments and to fit in with your cash flow cycle we offer repayments that are either daily or weekly. These are automatically withdrawn from your business account.

    Security & privacy

    Will my information be secure?

    Making sure that your information is secure, and being transparent about how we collect data, process, exchange and protect your information, is vital and a vital part of our relationship you.

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

    Yes. We make use of industry-standard encryption standards to protect your sensitive, personal and financial data and our funders are ISO 27001 certified for our commitment to protecting the security of customers and privacy. We make use of an advanced bank verification system to instantly confirm your bank account information online, allowing us to offer a fast response.

    About business loans

    What exactly is an asset-based loan (a secured loan)?

    The term “asset-based” refers to borrowing where a business owner uses assets they own to get the funding. The asset may be an asset belonging to the personal, like the family home or a company asset such as a vehicle or other piece of machinery.

    The majority of banks, not just the major banks, prefer to guarantee loans against an asset. If you’re struggling to pay back the loan, your asset may be transferred to the lender. In essence, it’s the process of securing new financing using the value of what you already own.

    Do I need security for an business loan?

    For loans up to $150K there is no requirement for asset security before you can access the money however, we require a personal guarantee. need an individual guarantee. In the event that you fulfill your loan obligations (as stated in your loan contract document), asset security will never be required. For loans over $150,000 typically, you will need the option of a personal ensure and security in the form of an asset charge.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites & auction houses
    • Debt collection firms & debt purchasers
    • Direct marketing including mail order, fundraising, telemarketing, direct-mail etc.
    • Financial lenders or institutions
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Customs clearing houses & freight forwarding
    • Anything gambling related
    • Non-profit organisations, charities and churches etc
    • Panel beaters & smash repairers
    • Pawn shops and pawnbrokers
    • Property development
    • Shares, stockbrokers or investment businesses
    • Tattoo studios
    • Ridesharing or taxi services
    • Ticket resellers & entertainment sales
    • Vehicle towing services
    • Secondhand automotive dealerships
    • Car glass tintingcompanies
    • Automotive wrecking yards

    We can’t assist with an unsecure business loan for these types of 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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