Unsecured Business Loans Epuni NZ

In The Next Few Hours, You Could Be Getting Ready For Success By Obtaining an Epuni Business Loan

Unsecured Business Loans Epuni

An Epuni unsecured business loan is simple and quick in applying for. Apply for a loan quickly and begin using the money for your company.

  • Could additional funds assist your business with working capital or to realise an opportunity to grow?
  • How are you financing your company requirements?

What you can expect:

  • Easy to apply and be approved for the funds will be around as early as tomorrow
  • No reayments are permitted in the initial 4 weeks
  • Borrow from $5k to $500K
  • Terms ranging from three to thirty-six months
  • Competitive rates of interest rates
  • Minimal docs needed

The conditions for eligibility for an unsecured business loan for a company loan Epuni are fairly minimal.

I'm now able hire a marketing expert to increase the success of my business to the next level.
Growing Epuni Business
Business credit rates and repayment terms, as well as flexible repayment options that can be tailored to the needs of your business requirements.
Business Lending Options
I'm now able to prepare beverages for customers with the very best equipment.
Cafe Owner
A simple loan application process with a generous loan limit, with minimal requirements for credit, and there is no need to submit a business plan. You no longer need to use your personal credit card and business credit cards in order to finance your business.
Unsecured Loans Made Simple
Business loans, especially an unsecured business loan or line of credit for business funding need not be a stressful procedure. Business finance can be in the form of small business loans that have an interest rates and repayment term which is compatible with the requirements of your business budget.
Business Lenders for Business Goals
I'm able to get my taxes back in order.
Small Business Owner
I am now able to fund the remodel of our brand fresh Epuni resturant without having to pull cash from the other restaurants.
Epuni Resturant Owner
I'm now able to go on time off knowing that it is safe knowing that Epuni company will run without a hitch.
Local Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting a company loans in Epuni with us is easy and takes only some minutes, without lengthy forms or lines.

Approved and receive cash within one to two business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

Our purpose is to assist Epuni businesses of all kinds, from small to medium-sized entrepreneurs to obtain funding fast so they can make use of the loan to expand and develop.

  • It begins with an easy online application or a phone call
  • Flexible repayment terms to suit your company
  • Fast and quick funding within a single day or two days
  • A team that wants to see you succeed as well as you business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • A minimum of six months in business
  • A minimum of $6,000 in revenue per month
  • 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 an account with a New Zealand bank as your principal trading account
  • Bank statements from the past six months

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

Here's How Other People Have Benefited

Examples of Business Loans

A business coach wanted to invest in an well-being and cosmetics business. With just under twelve thousand dollars in monthly income the company was able to borrow $24K over 24 months. The loan was based on twelve months worth of statement and was done in only 8 hours.
Business Coach
The owner of a tiny grocery store making $70K a month borrowed $76K over a 24 month term with no repayments during the initial 4 weeks. This was contingent on 12 months of bank statements. The turnaround time was only 6 hours from the moment you applied to receiving the funds.
Grocery Store Small Business Loan
The busy Christmas season was approaching, a clothing store required additional working capital to buy more inventory and to take advantage of discounts from suppliers. They secured $20K over the course of 12 months without collateral for their assets, and they had the funds in 24 hours.
Clothing Store
An interior designer saw an opportunity to expand their company and required working capital to finance the growth. With a monthly income of $300K, they borrowed $250K over 24 months. Their turnaround time was just two days, and all they needed to provide the required documents were twelve months' bank statement IRD confirmation, as well as their trust deed.
Interior Designer
A plumber who has worked in the business for 3 years with the monthly revenue of $80K was in require of more funds. They borrowed $153K over 36 months. All that was required were 12 months' worth of statements and confirmation of their status with IRD. The process was completed in less than one day, and the plumber got their extra working capital available in their account shortly thereafter.
Simple eligibility checklist

Larger Epuni Business Loan Eligibility Criteria

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

  • Minimum of 3 year’s experience in business
  • At least $700K of annual revenue
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification
  • Make sure you have an account at a New Zealand bank as your main trading account
  • Bank statements for the last 6 months
  • Certain financial statements, such as Profit & Loss and Aged Accounts Payable and Receivable

Do you require a smaller amount of capital? Take a look at the eligibility requirements for our $5K-$100K Epuni unsecured business loans.

Business Lending for a Cash Injection

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

An Epuni unsecured loan is ideal for virtually any company use. Talk to us today.

  • Expand or renovate commercial spaces
  • Grow the team during busy times
  • Increase stock levels to keep pace with demand
  • Build a new website or improve your marketing
  • Consider investing in new tools, equipment or technology
  • Purchase additional stock to meet the seasonal demand
  • Manage cash flow fluctuations
  • And many more …

Want to get started on one of these idea as quickly as tomorrow? So, contact us or send your application online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All that’s required for starting is your contact information (company name, your name, email and telephone) and the amount you want to borrow, as well as your monthly income.

Through the process and before settlement we’ll need confirmation of your identity, but not before we can begin:

  • Details of the Idenfication (valid Driver’s Licence)
  • Details of the company including time of trading 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 in the process, for loans greater than $150,000 you’ll need basic financial statements.

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started now.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    A gym that had been going for nearly 3 years decided to increase its size and was in need of additional equipment. With a monthly income of $37K, they borrowed $72K over a 24 month period. No security was required for the loan and it was settled within just 24 hours.
    An interior designer saw an opportunity to increase the size of their company and required working capital to fund this growth. With monthly revenue of $300K they borrowed $250K over 24 months. Their turnaround time was only two days and all they needed to present was 12 months of bank statements, IRD confirmation, and their trust deed.
    Interior Designer
    A plumber who's worked in the business for 3 years, with $80K in monthly sales was looking for more funding. They borrowed $153K over the course of 36 months. All that was required to be provided was 12 month bank statements as well as confirmation from the IRD. The process was complete within a day and the plumber was able to access their working capital in ther account within a short time.
    A restaurant owner was wanting to open a second establishment and needed funding to remodel. Their bank was not willing to help. Their typical monthly earnings was $50K. They were able borrow $66K over 24 months. It took only 8 hours to get access to the funds.
    Restaurant Owner
    Following the purchase of a pizza shop and two liquor stores 6-to 12 months ago, the new owners needed additional cash. The revenue total was greater than $500K per month . The owners were able to obtain $300K, split out as $100K per store on the option of 24- and 36 month terms. There was no security on the owners' homes was needed.
    Owner of a Pizza Store & 2 Liquor Stores

    The lending landscape has changed

    With banks and traditional lenders restricting credit and the constant stream of non-bank and alternative loan providers entering the market offers the perfect source for you to make use of.

    Epuni SME’s are now in a position to obtain finance via alternate lenders servicing Epuni who are focused on enabling company growth or smoothing problems with cash flow. In the past, private credit options (drawing equity from a home loan, or using credit cards, personal loans and credit cards) could be the best alternative funding services available in Epuni that were around.

    There is now an end to the requirement to rely on using real estate to secure company loan. With an unsecured loan business funding is simple. Instead of a traditional term loan from a bank, business finance for an SME with interest rates and loan terms that help to manage cash flow are around as business loan options.



    High level summary

    Separate personal and business debt

    There are many benefits with separating personal and business debt.

    • Your home or other investment properties, aren’t held for access to funds
    • The business has a better place to develop its own, clear credit history
    • It is substantially more straightforward during tax time
    • Businesses can easily assess the situation, track and plan based on being able to easily determine their cash flow position

    Limit your exposure, and make tax times easier, get started with 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 is that your home does not have to be tied for access to the money. In the case of a business loan in Epuni up to $100K the security of assets won’t be required so long as the borrower fulfills the loan requirements.

    Credit history

    Businesses are in a more stable long-term position when they can demonstrate good credit/debt serviceability.


    It is important to separate personal from business finances makes it significantly more seamless with regards to tax time, particularly when determining what is the tax deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has set out requirements for evidence for claiming deductions on the tax return of a company. This is an area that the IRD has advised specifically on.

    Cash flow

    Effective cash flow management is key for the long-term viability that of any company. By keeping the personal financial and company finances separate, businesses can easily view, monitor and plan based on the ability to clearly assess their cash flow position.

    Business loans, specifically one that is an unsecured business loan or line of credit for business financing require not be a stressfull process. Finance for a business in the shape in the form of small business loans at an interest rates and repayment schedule that fits your company liquidity.
    Business Lenders for Business Goals
    Business loans with interest rates and repayment terms, as well as flexible repayment options that can be tailored to your company requirements.
    Business Lending Options
    I can now take vacation knowing that the Epuni business will run well.
    Local Business Owner
    I'm now able to finance the construction of our newly constructed Epuni resturant without having to borrow cash from other resturants.
    Epuni Resturant Owner
    A simple loan application process with a huge borrowing limit, minimal requirements for credit, and no requirement to present a business plan. Don't use your personal credit card and company credit card to finance your business.
    Unsecured Loans Made Simple
    I'm now able hire an professional marketer to increase the success of my company to the next level of business growth.
    Growing Business
    I'm able to get my taxes back on time.
    Small Business Owner
    I'm now able make espresso for clients with the best equipment.
    Cafe Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Epuni Small Business Loans

    Tell me about the Epuni Small Business Loans

    Epuni 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.

    How is this Unsecured Loan different from an traditional company loan?

    The application to the Small Business Loan in under 10 minutes via the internet or over the phone, receive an immediate response, and have the funds in your account within 24 hours. Traditional company loans have an annual rate of interest plus other fees and charges. We offer a company loan is a pre-paid loan therefore you’ll know in advance the total amount due, which includes any interest, fees or charges. This is then divided into a daily or weekly amount to be paid back.

    What could the Small Business Loan be used for?

    A Small Business Loan can be used to fulfill almost every business reason, such as control of cash flow company renovations, marketing to purchase inventory, new equipment, to fund general working capital and much more. The loan is not available for personal purposes.

    About larger Epuni Business Loans

    What is the Larger Epuni Business Loan?

    The Larger Business Loan is a larger size loan to aid in business growth opportunities. Loans range from $100,000 to $500,000 with a term fixed up to 36 months. The repayments are made weekly or fortnightly to work with your cash flow.

    How’s the Origination Fee determined?

    It is crucial to note that the Larger Business Loan has an Origination Fee which is determined at 2.5 percent of the loan amount.

    Am I eligible for the Larger Business Loan?

    To be eligible for a loan of this size, your business needs to be operating for a minimum of 3 years with an annual turnover of at least $700,000. The applicant must also be a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old and have a New Zealand business (with a valid NZBN/IRD) and be able to prove at minimum 12 months of business.

    How can the funds be used for?

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

    Is the Larger Business Loan one that is secured?

    Asset security is needed for accessing funds over $150,000. This is in the form of a charge over assets and can be registered with the PPSR or making as a caveat.

    A director’s or personal ensure is a commitment to repay a loan which is general in nature, rather than stipulating security over an asset. The person signing the guarantee is personally accountable if the company lender is not able 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 lists security interests that are granted to individuals who own personal property (including the assets or goods). The PPSR allows preference over private property assigned according to the date the security interest has been registered.

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

    What exactly is a preapproval without Credit Check?

    When you’re applying for an enterprise loan that exceeds $250K, we may offer an initial pre-approval in order to simplify the process. We could be able to do this without a credit check and within six hours of your initial application. The pre-approval is based upon a preliminary assessment which includes you answering some financial well-being questions. It is not an offer or guarantee of funds. A conditional approval is subject an exhaustive credit evaluation, and any offer that you are offered could be on different conditions.

    The application process

    Do I have the right to receive funds?

    You can apply for an 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)
    • you must prove at least 6 months’ worth of transactions (for a unsecured loan $5K – $100K) or three years of trading (for the Larger Business Loan $100K or $500K)

    How do I apply?

    The application process is quick and easy. Complete the online form in just a few minutes, and an experienced business lending specialist will be in touch to guide you.

    For a loan of up to $100,000, you’ll need identification details (valid Driver’s Licence) as well as a valid NZBN/IRD as well as at least 6 months’ worth of bank statements.

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

    $100K to $250K: Information about the application including credit consent, 6-12 months of IRD statements, bank statements (if the loan is greater than $150K).
    $250K-$500K: Details for application including credit consent as well as 12 months bank statement, an IRD statement and the last two years’ finalised financial statements, and interim current financial year financials as well as Aged Payables and Receivables summary.

    How fast will I get an answer?

    For an unsecured loan ($5K or more) we usually offer an answer within one hour – as long as you apply in quality company timings and let us make use of the advanced bank verification system link to immediately verify your bank account information online. If you decide to submit copies of your bank statements , we are able to provide an answer in just the span of one business day.

    For the Larger Business Loan ($100K and up) we could be capable of provide you with a conditional pre-approval in around six hours. After you’ve signed your pre-approval, the turnaround time is approximately 2-3 days to receive final approval. However, this can be quicker based on the circumstances of each application. Certain offers have been approved within just 24 hours.

    The fastest way would be to ensure you apply during normal business hours and allow us to use the modern bank verification to instantly check your bank’s information online. If you upload documents from your account statements it takes a bit longer.

    How fast will I get the funds?

    For the Small Business Loan ($5K up to $100,000) we can often offer an answer within one hour if you apply at normal business times and permit us to make use of the advanced bank verification system to instantly verify your bank information online. If you want to upload copies of your banking statements, we’ll be able to offer the decision within an business day.

    For Larger Business Loans ($100K to $500K) we may be capable of offer you with a conditional pre-approval in around six hours. Once you’ve signed your pre-approval form, it will take around 2-3 days for final approval. However, it could be faster based upon the circumstances for each application. Some transactions have received approval in the space of 24 hours.

    The quickest method can be make sure you apply during normal business hours. Also, permit us to use the sophisticated bank verification to verify your bank information online. If you send us documents from your account accounts, it will take a little longer.

    What is the maximum amount I can borrow?

    We provide loans ranging from $5,000 to $500,000. When you make an application for a specific amount we look at a variety of aspects to determine your health for your company as well as the amount of repayments your company will be able to support. The total amount of the loan will be determined by the specifics the business.

    When you apply for a set amount, we will consider a number of elements to assess how much we can lend you such as health for your business and the level of repayments your company is able to afford. The amount you receive from your loan will depend on the particulars the business.

    Fees & repayments

    How much should you charge for a business loan?

    When you make an application for business loans with us business loan, we will assess the risk profile that you have for your business and offer an individualised offer, including the amount of loan, the term and interest rates. It is a business loan is an upfront cost loan so you will know the exact amount payable including any charges or interest.

    What determines the amount 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 are used to purchase as well as the field the company operates in, the long the business has been operating as well as in the event that the company has enough cash flow to pay for the loan, and overall well-being and creditworthiness of the company.

    What are the fees?

    There are no hidden costs for our company loans. You’ll be aware of the amount you’ll need to pay, and when, starting from the day you sign up. There’s no compounding interest, and the loan comes with no additional fees (as as you make your payments punctually).

    We don’t charge an application fee. You can make an application for loans with without any upfront costs or the obligation to take action.

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

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

    You can repay the entire amount of the loan early at any time.

    If you do decide to pursue this option, please speak to our friendly company credit specialists. We will offer you with details for repayment and an early payment figure. It will be calculated using the sum of the principal balance and the accrued interest up to the time of early payout and 1.5 percent of the remaining principal as well as any outstanding fees.

    What is the process for repayments?

    To make sure that you don’t miss repayments and to fit in your cash flow cycle we provide payments that are either daily or weekly. They are automatically deducted from your designated company account.

    Security & privacy

    Will my information be protected?

    The security of your personal information, as well as knowing the ways we gather, use, exchange and ensure the security of your information is of huge importance and is an essential part of our relationship you.

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

    Yes. We use industry recognised encryption protocols to safeguard your personal, sensitive financial and other data. Our funders are ISO 27001 certified for our commitment to the security of our customers as well as their security. We employ an exceptionally sophisticated bank verification system link to instantly verify your bank account details online, allowing us to provide a fast response.

    About business loans

    How do you define asset-based lending (a secured loan)?

    Asset-based borrowing is when an company owner borrows from an asset they own to obtain the loan. The asset could be a personal asset like the family home or it could be a business property like a truck or piece of equipment.

    The majority of the lenders including the big banks, tend to guarantee loans against an asset. If you are having difficulty paying back the loan, the asset could be taken over by the lender. In essence, it is an opportunity to secure additional financing using the worth of the asset you already own.

    Are I require security to secure an company loan?

    Up to $150,000 in loans there is no requirement for asset security upfront to access the money however, we require a personal guarantee. require the personal guarantee. So long as you comply with the terms of your loan (as specified in the loan contract) Asset security will never be required. If you take out loans in excess of $150K generally, there is the option of a personal ensure and security in the form of the charge of assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites and auction houses
    • Debt collection firms & debt purchasers
    • Direct marketers including direct-mail, mail order, fundraising, telemarketing etc.
    • Finance institutions and lenders
    • {Firearm related businesses
    • Foreign currency exchange solutions
    • Customs clearing houses & freight forwarding
    • Gambling related industries
    • Not-for-profit organisations, charities, churches etc
    • Panel beaters & smash repairers
    • Pawn shops & pawnbrokers
    • Property development
    • Shares, stockbrokers and investment businesses
    • Tattoo palours
    • Ridesharing & taxi services
    • Ticket resellers & entertainment sales
    • Tow truck services
    • Secondhand automotive dealers
    • Automotive glass tintingfirms
    • Car dismantlers

    We can’t assist with an unsecure business loan for the above industries, we might be able to assist you with 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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