Unsecured Business Loans Clendon Park NZ

Today, You'll Be Getting Ready For Success WithThe Help Of a Clendon Park Business Loan

Unsecured Business Loans Clendon Park

A Clendon Park unsecured business loan is simple and quick in applying for. Approve your loan in a matter of minutes and use the money to grow your business.

  • Are additional funds able to help your business by allowing you to work capital or to realise the opportunity for growth?
  • How do you finance your company needs?

What you can expect:

  • It’s easy to apply and receive approval and cash as quickly as tomorrow
  • There is no option to remittances 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 docs

The eligibility requirements for an unsecured business loan for a business loan Clendon Park are fairly minimal.

I can now hire a marketing professional to increase the success of my business to the next step.
Growing Clendon Park Business
I'm able to get my tax back in order.
Small Business Owner
Business loans, specifically an unsecured business loan or line of credit for business financing need not be a tense procedure. Business finance is in the form of small business loans with an interest rate and repayment period that is suitable for the requirements of your business budget.
Business Lenders for Business Goals
I can now make the coffee I serve my customers with the best equipment.
Cafe Owner
I am now able to fund the fitout of our fresh Clendon Park resturant without having to pull cash from the other restaurants.
Clendon Park Resturant Owner
Business business loans, interest rates and repayment conditions, and flexible repayment options to suit what your business requirements.
Business Lending Options
I'm now able to go on vacation knowing that my Clendon Park business will run well.
Local Business Owner
Simple loan application procedure with a generous loan limit, with minimal credit criteria and no need to provide a business plan. Do not use your personal credit card or company credit card to fund your company.
Unsecured Loans Made Simple
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for the company credit in Clendon Park with us is easy and takes just some minutes, without mountains of paperwork or queues.

Approved and receive funds within 1 to 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

Our purpose is to assist Clendon Park companies of all sorts small, medium even solopreneurs to access funding fast so they can take advantage of loans to build and expand their business.

  • It begins with an easy online application, or phone call
  • Flexible repayment terms to suit your company
  • Quick funding in a day or two
  • A team that wants you and your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The eligibility requirements for an unsecured business loan in Clendon Park of between $5K and $100K is fairly low.

  • At least 6 months in business
  • A minimum of $6,000 in 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 evidence of identity
  • You should have an account with a New Zealand bank as your main trading account
  • Bank statements from the past 6 months

Do you need more money? Review the guidelines for eligibility for our $100K to $500K company loans.

Here's How Others Have Benefited

Examples of Business Loans

A restaurant owner was wanting to open a second location and required funds to fit out. The bank they approached wasn't interested in helping. Their typical monthly earnings was $50K. They were able to borrow $66K over 24 months. Turnaround was only 8 hours.
Restaurant Owner
When they purchased a pizza shop and two liquor stores six to to 12 months ago, the new owners needed more funds. The total revenue of the two stores was more than $500K per month . The owners were able to obtain $300K, split out as $100K for each store using a mix of 24 and 36 month terms. No security over the owner's houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
A business coach wanted to invest in the health and cosmetics business. With just over 12K in revenue per month the company borrowed $24K over 24 months. The loan was based on 12 months of bank statements and was completed in just 8 hours.
Business Coach
With the busy Christmas time nearing, a clothing store required working capital in order to finance additional inventory and benefit from a supplier discount. They borrowed $20K over 12 months with no security of assets required. They received the money in just 24 hours.
Clothing Store
A gym that was running for more than three years decided to increase its size and needed additional equipment. With monthly revenue of $37K they borrowed $72K over a 24- month period. No security was needed for the loan and it was ready in just 24 hours.
Simple eligibility checklist

Larger Clendon Park Business Loan Eligibility Criteria

The requirements for eligibility of the larger Clendon Park company loans of between $100K and $500K consist of:

  • Minimum of 3 year’s experience in business
  • At least $700K in annual income
  • Be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification
  • Use a New Zealand bank as your main trading account
  • Bank statements for the last 6 months
  • Some financial statements such and Profit & Loss and the Aged Accounts Payable and Receivable

Do you need a smaller amount of capital? Take a look at the eligibility requirements for our $5K to $100K Clendon Park unsecured company loans.

Business Lending for a Cash Injection

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

A Clendon Park unsecured loan is perfect to use for any company use. Call us now.

  • Add or remodel the commercial space
  • Hire more staff during busy periods
  • Grow stock quantities to meet the demand
  • Build a new website or boost your marketing
  • Consider investing in the latest equipment, tools or new technologies
  • Purchase additional stock to meet seasonal demand
  • Control cash flow fluctuations
  • Plus lots more …

Want to get started on one of these idea as quickly as tomorrow? So, contact us or send your application online to get the fastest and most effective process.

Quick application checklist

What do you need to apply

All you need to begin is your contact details (company name and your name, as well as email, phone) along with the amount you’d like to borrow, and your monthly earnings.

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

  • Idenfication details (valid Driver’s License)
  • Details of the company including time of trading, ownership details , and details of ownership and trading time, as well as NZBN (New Zealand Business Number)

Additionally after we get started, for loans greater than $150,000 you will also need basic 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

    The owner of a small supermarket that was making $70K a month borrowed $76K over a 24-month term , without making any repayments during the initial 4 weeks. This was contingent on 12 months of bank statements. The turn around time was 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 renovation. Their bank was not interested in helping. The average monthly income for them was $50K. They were able to borrow $66K over the course of 24 months. It took only 8 hours to get access to the funds.
    Restaurant Owner
    A gym that was running for more than three years wanted to grow and required additional equipment. With a monthly turnover of $37K they borrowed$72K over a 24 month period. No security was required and the loan was ready to go in only 24 hours.
    A plumber who has operated their business for three years and has 80K in monthly sales was looking for additional funding. They borrowed $153K over a 36 month term. All they needed was 12 months of bank statements as well as confirmation of the status with IRD. The procedure was completed within one day, and the plumber got their extra working capital available in their account within a short time.
    With the busy Christmas time coming up, a store selling clothing required additional working capital to fund extra stock and also benefit from a supplier discount. They took out a loan of $20K over a period of 12 months with no security for assets and received the money in just 24 hours.
    Clothing Store

    The lending landscape has changed

    With traditional and bank lenders increasing their credit requirements The steady flow of non-bank and alternative loan providers entering the market offers an incredible source to tap into.

    Clendon Park SME’s are now in a position to obtain finance via alternative lenders who service Clendon Park who are focused on enabling company growth or smoothing out problems with cash flow. The past was when individual credit providers (drawing equity from a house loan or credit cards in addition to personal loans and overdrafts) were the only alternative financing services for Clendon Park that were around.

    There’s there is no requirement in the present to rely on the real estate market to secure business loans. With an unsecured loan, business financing is now easy. Instead of a term loan with banks, business finance for an SME with interest rates and loan terms that help with cash flow are available as business lending options.



    High level summary

    Separate personal and business debt

    There are numerous benefits by separating personal and business debt.

    • Your home or other investmentsaren’t tied for access to funds
    • The company will be in stronger position to establish its own credit history
    • It’s substantially more straightforward at tax time
    • Businesses can easily assess how they are performing, monitor and plan on the ability to clearly assess their cash flow position

    Lower your risks, make the tax process much easier. Get started with an unsecure business loan. Apply today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your private and business assets apart is that your home isn’t required to be tied to access the funds. For a small business loan in Clendon Park up to $100K asset security won’t be required so long as the borrower fulfills their loan obligations.

    Credit history

    Companies are in a favourable long-term position if they are able to demonstrate credit/debt ability to service.


    Separating personal and business financial accounts makes it more straightforward with regards to tax time, especially when it comes to determining the tax deductible allocation. The IRD has laid out requirements for evidence for claiming deductions on an organisation’s tax return. This is an area the IRD has advised specifically on.

    Cash flow

    A well-organised cash flow management system is essential to the long-term success for any company. By maintaining personal as well as company finance separate, companies can easily view, monitor and plan based on their ability to easily assess their cash flow position.

    I can now take a holiday knowing my Clendon Park company will run well.
    Local Business Owner
    A simple loan application process with a generous borrowing limit, minimal requirements for credit, and there is no need to present a business plan. You no longer need to use your personal credit card or business credit card to fund your business.
    Unsecured Loans Made Simple
    Business loan interest rates and repayment terms and flexible repayment options that can be tailored to the needs of your company needs.
    Business Lending Options
    I'm now able hire an expert marketer to help me take my company to the next stage of business growth.
    Growing Business
    I can now fund the fitout of our new Clendon Park resturant without having to borrow cash from other locations.
    Clendon Park Resturant Owner
    I'm able get my tax back on time.
    Small Business Owner
    Business loans, especially an unsecured unsecured business loan or line of credit to business funding need have no stressful procedure. Finance for a company in the shape of small business loans that have an interest rate and repayment schedule that is suitable for your company financial needs.
    Business Lenders for Business Goals
    I can now make coffee for my customers using the very best equipment.
    Cafe Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Clendon Park Small Business Loans

    Let me know more about Clendon Park Small Business Loans

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

    What is how is the Unsecured Loan different from an ordinary company loan?

    You can apply to your Small Business Loan in under 10 minutes online or by phone. You will receive an instant response and have the funds available in just 24 hours. Traditional company loans have an interest rate per annum along with other charges and fees. Our business loan is a cash-based loan therefore you’ll know ahead of time the total amount to be paid, including any fees, interest or charges. This is then divided into weekly or daily amount to be paid back.

    What could be the Small Business Loan be used for?

    It is a Small Business Loan can be used to fulfill almost any company need, such as managing cash flows, company improvements, advertising for purchasing inventory or new equipment, to fund general working capital and much more. The loan cannot be used for personal reasons.

    About Larger Clendon Park Business Loans

    What is the Larger Clendon Park Business Loan?

    The Larger Business Loan is a larger amount of loan to help business growth opportunities. Loans range between $100,000 and $500,000 for a fixed period of up to 36 months. Repayments are scheduled weekly or fortnightly depending on your situation.

    How is the Origination Fee calculated?

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

    Can I get the Larger Business Loan?

    In order to be eligible for a loan that is this large the company needs to be in operation for at least 3 years, and have an annual income of $700,000. It is necessary to be a New Zealand Citizen (or Permanent Resident) who is over the age of 18 and have a New Zealand company (with a valid NZBN/IRD) and be able of proving at minimum 12 months of continuous trading.

    How can the funding be utilised?

    A Larger Business Loan can be used for almost all business purpose including business renovations, purchase of equipment or inventory for general working capital and so much more. The loan cannot be used for personal use.

    Is the Larger Business Loan one that is secured?

    Asset security is required for funding of more than $150,000. It’s in the form of a charge on assets, and may include registering this in the PPSR or making a caveat.

    A director’s or personal ensure is a promise to pay back a loan that is general in nature, rather than stating the security for 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 run by the New Zealand Government. It reflects security interests that are registered for personal property (including items or assets). The PPSR permits the priority of personal property assigned according to the date the registration of a security interest.

    The caveat can be described as a formal document that is filed to offer the legal claim to property.

    What is a pre-approval without Credit Check?

    When you’re applying for larger business loans that exceeds $250,000 we may be able to provide an initial pre-approval in order to make the process. We could be able to get this done without credit checks and within 6 hours of your initial application. This pre-approval is made based on an initial assessment, which involves the answer to a series of financial well-being questions. This is not an offer or guarantee of finance. Acceptance without condition is subject to an extensive credit evaluation and any offer that you may receive may be subject to different conditions.

    Application process

    Are I eligible for funding?

    You may be eligible for a business loan if you:

    • are a New Zealand Citizen (or Permanent Resident)
    • are over 18 years, own a New Zealand business (with a valid NZBN/IRD)
    • must show at least six months of trading (for you to qualify for unsecured loan $5K – $100K) or three years of trade (for the Larger Business Loan $100K - $500K)

    How do I apply?

    The application process is fast and easy. Just complete the online application in just a few minutes, and a dedicated company credit specialist will be in touch to assist you.

    To be eligible for up to $100,000, you’ll require proof of identity (valid Driver’s Licence) as well as an NZBN/IRD that is valid and at least 6 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 bank statements, IRD statement (if you have a loan of more than $150K).
    $250K-$500K: Details of the application, including credit consent as well as 12 months bank statement, an IRD statements and the last two years’ finalised financial statements, and interim current financial year financials including Aged Payables, Aged Receivables summary.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K or more) We can usually provide a response in one hour, provided you apply in quality business time and permit us to utilise the bank verification system link to instantly verify your bank details online. If you decide to send us copies of your bank statements , we will be able to offer a decision in just the span of one company day.

    If you are applying for a Larger Business Loan ($100K or more) we might be capable of provide you with pre-approval conditional to your application in around 6 hours. After you’ve signed the pre-approval, turnaround times are between 2 and 3 days for the final approval, however this could be shorter based on the specifics of each application. Certain offers have been approved within the space of 24 hours.

    The most efficient method would be to make sure you apply during normal company hours, and allow us to use the advanced bank verification system link to check your bank’s information online. If you decide to upload duplicates of your banking statements it may take a bit longer.

    How fast will I get the cash?

    For the Small Business Loan ($5K up to $100,000) we can often provide an answer within an hour – provided you apply at normal business times and let us make use of the advanced bank verification system to instantly verify your bank details online. If you decide to submit copies of your bank statement, we’ll provide the decision in as little as one business day.

    For the Larger Business Loans ($100K up to $500,000) we might be able to provide you with conditional pre-approval in around 6 hours. Once you have signed the pre-approval, the turnaround time is approximately 2-3 days to receive final approval, however this can be faster depending on the specifics of each application. Some deals have been approved in less than 24 hours.

    The fastest method can be ensure you apply during standard business hours. You can also let us use the advanced bank verification system link to instantly confirm your bank details online. If you choose to upload the copies of bank statement, it can take a bit longer.

    What’s the minimum amount I can borrow?

    We provide the loan amount between $5,000 to $500,000. If you apply for a certain amount, we take into consideration a range of variables for determining what is the well-being of the company and the extent of the repayments your company can support. The total amount of the loan will be determined by the specific circumstances for your company.

    When you submit an application for a set amount, we take into consideration a variety of factors to assess your health of the company and the amount of the repayments your company will be able to support. The total amount of your loan will be contingent on the specific circumstances the business.

    Fees & repayments

    How much should you charge for a business loan?

    If you decide to apply for our business loans, we will assess the risk profile of your company and offer you with a customised proposal that includes the amount of loan, the term and interest rates. A business loan is a loan that is priced upfront and you’ll be aware in advance of the total amount to be paid, including any charges or interest.

    What determines the amount I pay?

    Interest rates for business loans rates vary due to factors including the amount borrowed, what company assets the funds are used to purchase, the industry the business is in, how long the company has been running and how long the company has enough cash flow to support the loan, as well as the general health and creditworthiness of the company.

    What are the costs?

    There are no hidden costs for our business loans, and you’ll be aware of the amount you’ll be required to pay and when, starting from the day you sign up. There’s not any compounding interest and no extra fees (as long as you make your payments on time).

    We do not charge an Application Fee. You are able to make an application for loans with no upfront cost or any obligation to sign up.

    The Origination Fee covers the costs associated in establishing and managing the loan. You are only charged this cost if you take out the loan. The Origination Fee for us is 2.5% of the amount of loan.

    Can I pay out the loan earlier?

    You can choose to repay all of your loan early at any time.

    If you do decide to do this please contact our helpful company loans experts. The specialists will offer you with the details of your repayment and an early payout figure. It will be calculated using the sum of the principal amount remaining and accrued interest to the time of early payout plus 1.5 percent of the principal balance as well as any outstanding fees.

    How do repayments work?

    To help you avoid missing payments and to work your cash flow schedule, we provide payments that are either weekly or daily. These are automatically withdrawn from your business account.

    Security & privacy

    Will my data be secure?

    Security of your data, and knowing how we collect the information we collect, use, share and ensure the security of your information is crucial and is a crucial element 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 sensitive, personal and financial data and our funders are ISO 27001 certified for our commitment to protecting the security of customers and security. We utilise a sophisticated bank verification system link to instantly verify the bank account details online. This allows us to offer an immediate response.

    About business loans

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

    Asset-based borrowing is when the business owner makes use of assets they own to get the loan. The asset can be an individual asset, such as the family home or it could be a company asset such as a vehicle as well as a piece of machine.

    The majority of the lenders including the big banks, tend to make loans secured by an asset. If you’re having trouble paying back the loan then the asset could be sold by the lender. In essence, it’s means of securing new financing using the value of what you already own.

    Are I need security to secure an company loan?

    For loans up to $150K it is not necessary to secure assets before you can access the money but we do need a personal guarantee. So long as you comply with your loan commitments (as specified in your loan contract document) Asset security is not needed. For loans over $150,000 generally, there is personal guarantee and security is provided in the form of an asset charge.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites and auction houses
    • Debt purchasers & debt collection companies
    • Direct marketers including fundraising, telemarketing, mail order, direct-mail etc.
    • Financial lenders and institutions
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Freight forwarding and customs clearing houses
    • Business involved with gambling
    • Non-profit organisations such as charities, churches etc.
    • Panel beaters & smash repairers
    • Pawn shops or pawnbrokers
    • Property developers
    • Shares, stockbrokers & investment businesses
    • Tattoo palours
    • Taxi & ridesharing services
    • Ticket resellers & entertainment sales
    • Tow truck services
    • Secondhand car dealers
    • Vehicle glass tintingfirms
    • Automotive wrecking yards

    We can’t assist with an unsecured business loan for these types of industries, we may be able to assist with 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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