Unsecured Business Loans Crofton Downs NZ

In The Next Few Hours, You Could Be Getting Ready For Success WithThe Help Of a Crofton Downs Business Loan

Unsecured Business Loans Crofton Downs

A Crofton Downs unsecured business loan is quick and simple to obtain. Approve your loan in a matter of minutes and begin using the money in your business.

  • Would extra funds help your business in working capital, or to take advantage of a growth opportunity?
  • How are you financing your company needs?

What to expect:

  • It’s easy to apply and be approved for money as early as tomorrow
  • Optionally no reayments in the initial four weeks
  • Borrow from $5k to $500K
  • Terms ranging from 3 to 36 month
  • Competitive rates of interest prices
  • Minimal documentation required

The criteria for eligibility for an unsecured business loan for a company loan Crofton Downs are fairly minimal.

Business loans with interest rates and repayment conditions, and flexible repayment options to fit you business needs.
Business Lending Options
Business loans, particularly an unsecured unsecured business loan or line of credit for business financing require not be a stressful procedure. Business finance in the form in the form of small business loans that have an interest rate cost, and with a repayment term that will suit the requirements of your company liquidity.
Business Lenders for Business Goals
I am now able to fund the renovation of our newly constructed Crofton Downs resturant without having to take cash from other locations.
Crofton Downs Resturant Owner
I'm now able to hire a marketer to help me take my company to the next step.
Growing Crofton Downs Business
I'm able to get my taxes back in order.
Small Business Owner
I am now able to take time off knowing that it is safe knowing that Crofton Downs business will run effortlessly.
Local Business Owner
An easy loan application process that comes with a high borrowing limit, minimal requirements for credit and there is no requirement to provide a business plan. Don't use your personal credit card and company credit cards to finance your company.
Unsecured Loans Made Simple
I'm now able make espresso for clients using the very best equipment.
Cafe Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting an company financing for company in Crofton Downs with us is easy and takes only some minutes, without mountains of paperwork or queues.

Receive approval and funds within 1-2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Crofton Downs companies of all types, whether small, medium or entrepreneurs to obtain funds quickly so that they can utilise the loan to build and expand their business.

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

Small Business Loan Eligibility Criteria

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

  • At least 6 months in business
  • At least $6,000 of revenue per month
  • You must be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Make sure you have a New Zealand bank as your principal account for trading
  • Bank statements from the past six months

Need more funds? Check out the conditions of eligibility for our $100K to $500K company loans.

Here's How Other People Have Benefited

Examples of Business Loans

When they purchased a pizza shop as well as two liquor stores 6-12 months earlier, the new owners needed additional funds. The overall revenue was $500K per month . The owners could have borrowed $300K, split out as $100K per store with two different 24 and 36 month terms. There was no security on the owners' houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
The owner of a tiny grocery store making $70K a month borrowed $76K over a 24-month term , without making any repayments for the first four weeks. The loan required 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
A gym that had been going for nearly 3 years was looking to expand and needed more equipment. With a monthly turnover of $37K they borrowed $72K over a 24- month period. The loan was not secured to secure the loan. It was ready to go in 24 hours.
A plumber who's operated their business for three years and has monthly sales of $80K was in search of additional funds. They borrowed $153K over 36 months. All that was needed was 12 months of bank statement and confirmation from the IRD. The process was completed in less than just a few hours and the plumber received their additional working capital in ther account within a short time.
The owner of a restaurant wanted to open another restaurant and required funds to installation. The bank they approached wasn't interested in helping. Their typical monthly earnings was $50K, and they were able to borrow $66K over the course of 24 months. Turnaround was only 8 hours.
Restaurant Owner
Simple eligibility checklist

Larger Crofton Downs Business Loan Eligibility Criteria

The eligibility requirements in the larger Crofton Downs business loans of between $100K and $500K are:

  • 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)
  • Passport or Driver’s License for proof of identity
  • You should have a New Zealand bank as your main trading account
  • Bank statements from the last six months
  • Some financial statements such and Profit & Loss as well as Aged Accounts Payable and Receivable

Looking for a smaller amount of money? Check out the eligibility requirements for our $5K to $100K Crofton Downs unsecured business loans.

Business Lending for a Cash Injection

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

A Crofton Downs unsecured loan is ideal to use for every business use. Contact us now.

  • Renovate or expand a commercial premises
  • Staff expansion during busy periods
  • Boost stock quantities to meet the demand
  • Make a brand new website or improve your marketing
  • Consider investing in new tools, equipment or new technologies
  • Make sure you have extra stock on hand to meet seasonal demand
  • Control cash flow fluctuations
  • Plus many more …

Are you looking to start one of these projects as soon as tomorrow? So, contact us today or send an application online to get the fastest and most effective process.

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) as well as the amount you want to borrow, and your monthly earnings.

During the process and before settlement we’ll require confirmation of who you are however, not in order to begin:

  • Details of the Idenfication (valid Driver’s Licence)
  • Information about the company, including details on trading hours as well as ownership information and details of ownership and trading time, as well as NZBN (New Zealand Business Number)

Once we’ve started in the process, for loans greater than $150,000 you’ll require the following financial statements:

  • P&L 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

    An interior designer had noticed an opportunity to increase the size of their company and needed working capital to finance this expansion. With an annual revenue of $300K they borrowed $250K over the course of 24 months. The time to turn around for them was only 2 days, and all they needed to present were 12 months worth of banking statements, IRD confirmation, and trust deed.
    Interior Designer
    The owner of a tiny grocery store making $70K a month borrowed $76K over a 24-month term with no repayments for the first four weeks. This had a requirement of 12 months' bank statements. The turn around time was 6 hours from the moment you applied to receiving the money.
    Grocery Store Small Business Loan
    A business coach was seeking to invest in a health as well as beauty business. With a little over 12K in revenue per month they borrowed $24K in 24 months. This required twelve months worth of statement and was done in 8 hours.
    Business Coach
    When they purchased a pizza place and two liquor stores 6-12 months earlier the new owners needed additional funds. The total revenue of the two stores was more than $500k per month. They could have borrowed $300K. The loan was split into $100K for each store, with an option of both 24 and 36 months. There was no security on the owners' homes was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    A restaurant owner wanted to open another restaurant and needed funding to fit out. Their bank was not interested in helping. The typical monthly income for them was $50K, and they were able to borrow $66K for 24 months. It took only 8 hours to get access to the funds.
    Restaurant Owner

    The lending landscape has changed

    With banks and traditional lenders tightening their credit terms and the constant stream of non-bank and alternative loan providers that are entering the market offers an excellent source to take advantage of.

    Crofton Downs SME’s are now in a position to obtain finance via alternate lenders servicing Crofton Downs who are focused on facilitating business expansion or smoothing out cash flow issues. In the past, when private credit options (drawing equity from the house loan or credit cards or personal loans, as well as credit cards) were the only alternative financing solutions in Crofton Downs that were around.

    There’s there is no requirement for you to rely on real estate to secure business loans. With an unsecured loan, business financing is easy. Instead of a term loan through the bank, business finance for an SME with interest rates and loan terms that aid in cash flow are around as business loan options.



    High level summary

    Separate personal and business debt

    There are many benefits in separating personal from company debt.

    • Your home or other investments, aren’t tethered for access to funds
    • This business is in a better position to establish its own, solid credit history
    • It is considerably more straightforward when it comes to tax time
    • Businesses can easily view how they are performing, monitor and plan on being able to easily assess their cash flow position

    Limit your exposure, make the tax process 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 can be that your home isn’t tied to allow access to the funds. If you’re looking for a small business loan within Crofton Downs up to $100K the security of assets won’t be needed as long as the borrower fulfills their loan obligations.

    Credit history

    Companies will be in a stable long-term position when they are able to demonstrate credit/debt serviceability.


    Separating personal and company finances makes it more straightforward in the event of tax time, especially when it comes to determining the tax-deductible allocation. The IRD has set out the requirements for evidence to claim deductions on an individual’s tax return. This is a subject that the IRD has advised specifically on.

    Cash flow

    Effective management of cash flows is key for the long-term success that of any business. By keeping the personal financial and business finances distinct, businesses can easily view their cash flow, plan and monitor it based on their ability to easily evaluate their cash flow situation.

    I'm now able to finance the renovation of our new Crofton Downs resturant without having to pull cash from the other locations.
    Crofton Downs Resturant Owner
    I am now able to take an extended vacation knowing that I am confident that my Crofton Downs business will run smoothly.
    Local Business Owner
    A seamless loan application process with a huge limit on borrowing, no requirements for credit, and no need to present a business plan. Stop using your personal credit card or company credit cards to finance your company.
    Unsecured Loans Made Simple
    I'm now able make coffee for my customers using the very best equipment.
    Cafe Owner
    I'm able to get my tax back in order.
    Small Business Owner
    Business loan interest rates and repayment terms, as well as flexible repayment options to meet the requirements of your company requirements.
    Business Lending Options
    I'm now able hire a marketing professional to boost my business to the next level of business growth.
    Growing Business
    Business loans, particularly an unsecured business loan or line of credit to business financing need have no difficult process. Finance for a business in the shape of small business loans at a fixed interest rates and repayment schedule that is suitable for your company cash flow.
    Business Lenders for Business Goals
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Crofton Downs Small Business Loans

    Tell me how you are able to avail the Crofton Downs Small Business Loans

    Crofton Downs unsecured loans offers the range of $5,000 to $100,000. The terms range between 3 and 24 months. They also offer cash flow friendly repayments, which are either daily or weekly.

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

    It is imaginable to apply to your Small Business Loan in under 10 minutes on the internet or over the phone, receive an immediate response, and funds may be on your account within 24 hours. Traditional company loans reference an interest rate per annum along with other charges and fees. We offer a business loan is a pre-paid loan so you will know in advance the total amount to be paid, including any fees, interest or charges. Then, it is broken down into weekly or daily payment amount.

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

    It is a Small Business Loan can be used for nearly every company purpose including managing cash flows, business remodeling, marketing for purchasing inventory or new equipment, to fund general working capital, and much more. The loan cannot be used for personal purposes.

    About larger Crofton Downs Business Loans

    What is the Larger Crofton Downs Business Loan?

    The Larger Business Loan is a larger amount of loan to help company growth opportunities. The loan ranges from $100,000 to $500,000 over a fixed term for up to 36 months. The repayments are made weekly or fortnightly depending on your cash flow.

    How’s the Origination Fee determined?

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

    Am I eligible for the Larger Business Loan?

    To be eligible for a credit of this size, your company needs to be operating for a minimum of 3 years with an annual turnover of $700K. You must be a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old or have a New Zealand business (with a valid NZBN/IRD) and be able to prove at least 12 months of trading.

    How can the funding be utilised?

    A Larger Business Loan can be used for nearly any business reason, such as business renovations, to purchase new equipment or inventory as well as for general working capital and so much more. The loan is not available for personal purposes.

    Is the Larger Business Loan a secured loan?

    Asset security is necessary to access funding over $150,000. This can be done by taking a charge on assets, which could also include registering this on the PPSR or filing as a caveat.

    A personal or director’s ensure is a commitment to pay back a loan that is general in nature, rather than specifying security over an asset. The person who signs the ensure is personally responsible if the business the borrower fails to pay back the debt.

    The Personal Property Securities Register (PPSR) is an online central register that is operated by the New Zealand Government. It records security interests that have been that are registered for personal property (including the assets or goods). The PPSR gives prioritisation over property that is personal to be assigned according to the date a security interest has been registered.

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

    What is a pre-approval minus Credit Check?

    When you’re applying for a Larger Business Loan of more than $250,000 we may be able to provide an initial pre-approval to ease the process. We may be able to do this without a credit check, and within 6 hours of the initial application. This pre-approval is based on an initial assessment that includes answering a couple of financial well-being checks. It is not an offer or guarantee of finance. Unconditional approval is subject to an exhaustive credit evaluation, and any offer that you are offered could be subject to different terms.

    The application process

    Can I be eligible for funding?

    You can apply 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)
    • you must demonstrate at minimum 6 months of trading (for for the unsecured loan $5K – $100K) or 3 years of trading (for the Larger Business Loan $100K - $500K)

    How do I apply?

    The application process is fast and simple. Just complete the online application in few minutes and a dedicated business expert in lending will call you to guide you through the process.

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

    For larger loan sizes, you’ll need:

    $100K-$250K: Details of application, including credit approval, 6-12 months of bank statements, IRD statement (if you have a loan of more than $150K).
    $250K-$500K: Information on the application including credit consent, 12 months of bank records, IRD statement as well as the two most recent years’ financial statements, in addition to interim financial statements for the current year as well as Aged Payables and Receivables summaries.

    How quickly will I receive a decision?

    For an unsecured loan ($5K or more) We can usually provide an answer within an hour, provided you make your application at standard company time and permit us to make use of the advanced bank verification system link to instantly verify your bank details online. If you choose to upload copies of your bank statement, we’ll offer the decision within the span of one business day.

    For the Larger Business Loan ($100K up to $500,000) we might be able to provide you with conditional pre-approval in about 6 hours. Once you have signed the pre-approval document, you will need to wait about 2-3 days for final approval, however it could be faster based on the circumstances of each application. Some offers have been approved in the space of 24 hours.

    The quickest way to apply is to ensure you apply during standard business hours. Also, allow us to use the modern bank verification to confirm your bank details online. If you decide to send us duplicates of your banking statements it can take a bit longer.

    What is the time frame to receive the funds?

    For the Small Business Loan ($5K or more) we usually offer a response in one hour if you submit your request within standard business time and permit us to use the bank verification system link to immediately verify your bank account information online. If you want to send us copies of your bank statements, we are able to provide the decision within an business day.

    If you are applying for Larger Business Loans ($100K and up) we could be in a position to provide you with pre-approval conditional to your application in around 6 hours. Once you have signed the 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 agreements have been approved within just 24 hours.

    The fastest method can be make sure you apply during standard business hours and allow us to use the sophisticated bank verification to verify your bank information online. If you choose to upload the copies of bank statements it may take a bit longer.

    How much can I borrow?

    We provide loans ranging from $5,000 to $500,000. When you make an application for a certain amount we take into consideration a range of aspects that determine your health that is your business and the extent of repayments that your business will be able to support. The total amount of the loan will be determined by the particular circumstances of your company.

    When you apply for a specific amount we take into consideration a variety of variables to assess your well-being of your business and the amount of repayments that your company can support. The total amount of your loan will depend on the specifics for your business.

    Fees & repayments

    How much should you charge for an business loan?

    If you decide to apply for the company loan, we’ll assess the risk assessment for your business and offer an individualised offer that includes the amount of loan, the term and the interest rates. The company loan is an upfront-priced loan so you will be aware of the total amount payable including any interest rates, fees or charges.

    What determines the rate that I pay?

    Interest rates for business loans rates depend on several variables like the amount to be of money borrowed, the business assets the money will be used for and the sector the company is operating in, how long the company has been in operation and what percentage of the business has sufficient cash flow to fund the loan, and overall health or creditworthiness of the company.

    What are the costs?

    There are no hidden costs with our company loans. You’ll be aware of the amount you’ll need to pay and at what time, from day one. There’s no compounding interest and the loan comes with no additional fees (as as long as you pay your payments on time).

    We do not charge an application fee. You are able to apply for a loan without any upfront costs or any obligation to sign up.

    The Origination Fee includes the expenses associated with establishing and managing the loan. It is only charged for this fee if you proceed with the loan. Our Origination Fee is 2.5 percentage of the loan amount.

    Can I pay off the loan early?

    You can repay the entire amount of your loan in full at any time.

    If you do decide to pursue this option, please talk to one of our helpful company credit professionals. They’ll offer you with the details of your repayment along with an early payout estimate. This is calculated as the sum of the principal amount remaining plus any accrued interest as of the time of early payout in addition to 1.5% of the principal amount remaining and any fees that remain unpaid.

    How do repayments work?

    To make sure you do not miss repayments and to fit in with your cash flow cycle we provide payments that are either weekly or daily. They are automatically deducted from the nominated business account.

    Security & privacy

    Will my information be secure?

    Protecting your information, and making it clear the ways we gather information, use it, and exchange it, as well as safeguard your data, is of paramount importance and is a crucial element of our relationship with you.

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

    Yes. We utilise industry-recognised encryption standards to secure your personal, sensitive financial information and our funders are ISO 27001 certified for our commitment to protecting the security of clients and privacy. We use an advanced bank verification system to instantly verify your bank account details online so we can offer quick responses.

    About business loans

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

    The term “asset-based” refers to borrowing where the company owner uses an asset they own to make the funding. The asset can be an individual asset, such as the family home, or a company asset like a truck or other piece of machinery.

    The majority of the lenders not just the banks with the biggest size, prefer to make loans secured by an asset. If you’re struggling to pay back the loan, the asset could be offered for sale by the lender. In essence it’s an opportunity to secure new financing by making use of the value of what you already have.

    What do I require security for an company loan?

    For loans of up to $150K, there is no requirement for asset security before you are able to access the money but we require a personal guarantee. require a personal guarantee. In the event that you fulfill the terms of your loan (as specified in your loan contract document) Asset security is not required. For loans that exceed $150K, typically, you will need an individual guarantee and security is provided in the form of charges on assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction houses and auction websites
    • Debt purchasers or debt collection agencies
    • Direct marketing such as fundraising, telemarketing, mail order, direct-mail etc.
    • Financial lenders or institutions
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Freight forwarding & customs clearing houses
    • Gambling related industries
    • Not-for-profit organisations, charities and churches etc.
    • Smash repairers or panel beaters
    • Pawn shops and pawnbrokers
    • Property developers
    • Stockbrokers, shares andinvesment businesses
    • Tattoo studios
    • Ridesharing & taxi services
    • Entertainment sales & ticket resellers
    • Towing services
    • Used car companies
    • Car glass tinting
    • Vehicle dismantlers

    Although we can’t help with an unsecure business loan in those industries, we might be able to assist you 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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