Unsecured Business Loans Epuni NZ

Today, You'll Have Everything You Need to Be Successful By Obtaining an Epuni Business Loan

Unsecured Business Loans Epuni

An Epuni unsecured business loan is easy and quick to apply for. Apply for a loan quickly and use the money in your company.

  • Do you think that additional funds could help your business by allowing you to work capital or for a growth opportunity?
  • What is the financing strategy you are using to fund your business requirements?

What you can expect:

  • Easy process to fill out and get approved and funds as soon as tomorrow
  • No reayments are permitted in the initial 4 weeks
  • From $5k to $500K in loans
  • Terms from 3-36 months
  • Competitive rates of interest prices
  • Minimal documentation

The criteria for eligibility for an unsecured business loan in Epuni are fairly minimal.

I'm now able make espresso for customers using the very best equipment.
Cafe Owner
Business loans, in particular an unsecured unsecured business loan or line of credit for business financing require not be a difficult procedure. Business finance is in the form in the form of small business loans that have an interest rate and repayment period that will suit the requirements of your company cash flow.
Business Lenders for Business Goals
Business loans with interest rates and repayment terms as well as flexible repayment options to suit you business needs.
Business Lending Options
I can now hire an experienced marketer to help me help me take my company to the next stage.
Growing Epuni Business
I'm able get my tax back to keep me on track.
Small Business Owner
An easy loan application process with a large borrowing limit, minimal requirements for credit and there is no need to submit a business plan. Don't use your personal credit card and company credit cards to fund your business.
Unsecured Loans Made Simple
I'm now able fund the fitout of our fresh Epuni resturant without having to pull cash from the other resturants.
Epuni Resturant Owner
I can now take vacation knowing that the Epuni company will run smoothly.
Local Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting a business loans within Epuni with us is simple and only takes a few minutes, no lengthy forms or lines.

Approved and receive funds within 1 to 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Epuni companies of all sorts small, medium even soloprenuers to get access to funds quickly so that they can use the loan to expand and grow.

  • It begins with an easy online application or a phone call
  • Flexible repayment terms that can be tailored to your company
  • Quick funding in a day or two
  • A team of people who want for you as well as your business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The criteria for eligibility for an unsecured business loan in Epuni of between $5K to $100K are quite minimal.

  • 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)
  • Passport or Driver’s License for proof of identity
  • Have a New Zealand bank as your main trading account
  • Bank statements from the previous 6 months

Looking for more funding? Check out the guidelines for eligibility for our $100K to $500K company loan.

Here's How Others Have Benefited

Examples of Business Loans

After purchasing a pizza place and 2 liquor stores 6-12 months earlier, the new owners needed additional funds. The revenue total was greater than 500K per month. They could have borrowed $300K and split it into $100K per store with the option of 24- and 36 month terms. No security over the owner's houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
A gym that had been going for nearly 3 years decided to increase its size and needed more equipment. With a monthly turnover of $37K they borrowed $72K over a 24 month period. No security was needed to secure the loan. It was ready to go within the span of 24 hours.
A plumber who has had business for 3 years with the monthly revenue of $80K was in search of additional funds. They took out $153K on the course of 36 months. All they needed was 12 months of bank statements as well as confirmation of their status with IRD. The process was completed within one day, and the plumber received their additional working capital in their account soon afterward.
The busy Christmas season was approaching, a clothing store required working capital in order to purchase more inventory and benefit from the discount offered by suppliers. They took out a loan of $20K over a period of 12 months with no collateral for their assets, and they had the funds in 24 hours.
Clothing Store
An interior designer had spotted an opportunity to grow their company and needed working capital in order to finance this growth. With a monthly income of $300K, they borrowed $250K over 24 months. Turnaround time for them was only two days and all they had to present the required documents were twelve months' bank statements, IRD confirmation, and their trust deed.
Interior Designer
Simple eligibility checklist

Larger Epuni Business Loan Eligibility Criteria

The criteria to be eligible to be eligible for the larger Epuni company loans of between $100K to $500K comprise:

  • Minimum of 3 years trading in business
  • A minimum of $700K annually in revenue
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for proof of identity
  • Use a New Zealand bank as your principal account for trading
  • Bank statements from the last six months
  • Certain financial statements include Profit & Loss and Aged Accounts Payable and Receivable

You are looking for a lesser amount of capital? Take a look at the conditions for eligibility for our $5K to $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 business use. Contact us now.

  • Expand or renovate the commercial space
  • Staff expansion during busy periods
  • Boost stock levels to meet demand
  • Create a new site or boost your marketing
  • Put money into new equipment, tools , or technological advancements
  • Purchase additional stock to meet the seasonal demand
  • Manage cash flow fluctuations
  • Plus lots more …

Do you want to start working on one of these options as early as tomorrow? Contact us now or apply online to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All that is needed for starting is your contact information (company name, your name, email address and phone) and the amount you’d like to borrow and your monthly income.

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

  • Information on Idenfication (valid Driver’s License)
  • Business details including trading time owner details, trading time, as well as NZBN (New Zealand Business Number)

Once we’ve started when it comes to loans greater than $150,000 you’ll also require basic financial statements.

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    The owner of a tiny supermarket that was 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 time to turn around was just six hours from the time of application until receiving the money.
    Grocery Store Small Business Loan
    Acquiring a pizza restaurant as well as two liquor stores six to 12 months prior, the new owners were looking for additional funds. The revenue total was greater than $500K per month and they could borrow $300K and split it into $100K for each store using two different 24 and 36 months. No security over the owners houses was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    The busy Christmas season was nearing, a clothing store required working capital in order to fund extra inventory and to take advantage of discounts from suppliers. They borrowed $20K over 12 months, with no collateral for their assets, and they had the funds in 24 hours.
    Clothing Store
    A restaurant owner wanted to open another restaurant and needed funds for the fit out. Their bank was not willing to help. Their typical monthly earnings was $50K. They were able borrow $66K over the course of 24 months. The turnaround time was just 8 hours.
    Restaurant Owner
    A business coach wanted to invest in a health as well as beauty company. With a little over 12K in revenue per month they borrowed $24K in 24 months. The loan required twelve months worth of statements and was completed in just 8 hours.
    Business Coach

    The lending landscape has changed

    With traditional and bank lenders restricting credit The steady flow of non-bank and alternative loan providers that are entering the market provides an excellent source for you to take advantage of.

    Epuni SME’s are now capable of accessing finance through alternate lenders servicing Epuni who are focused on enabling business expansion or smoothing out cash flow issues. In the past, individual credit providers (drawing equity from the home loan, or by using credit cards in addition to personal loans and overdrafts) could be the best alternative funding solutions within Epuni that were around.

    There is now not a requirement of having to rely on using real estate to secure company loan. With an unsecured loan, business financing is now easy. Instead of a traditional term loan from banks, business finance for a small company with interest rates and loan terms that can help in cash flow are available as business loans.



    High level summary

    Separate personal and business debt

    There are many benefits in separating personal from company debt.

    • Your home or other investmentsaren’t tied for the purpose of accessing funds
    • This business will be in stronger position to create its own, solid credit history
    • It is significantly more seamless at tax time
    • Businesses can easily view, monitor and plan based on the ability to clearly evaluate their cash flow situation

    Limit your exposure, make tax time simpler, start with an unsecure business loan. Make an application today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your personal and company assets separate will be the fact that your home does not have to be tied to allow access to the funds. In the case of a business loan in Epuni up to $100K, asset security will not be required as long as the borrower meets their loan obligations.

    Credit history

    Businesses will be in a advantageous long-term situation if they have a good credit or debt capability.


    A separation between personal and company finances makes it significantly more straightforward with regards to tax time, particularly when determining the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has laid out rules on the evidence required for claiming deductions on an organisation’s tax return. This is an area that the IRD has advised specifically on.

    Cash flow

    A well-organised cash flow management system is vital to the long-term survival that of any business. Through maintaining personal as well as business finances distinct, companies can easily view, monitor and plan based on their ability to accurately evaluate their cash flow situation.

    An easy loan application process with a large borrowing limit, minimal requirements for credit and no need to present a business plan. Do not use your personal credit card and business credit cards to finance your business.
    Unsecured Loans Made Simple
    I'm able to get my tax back on time.
    Small Business Owner
    I can now fund the fitout of our new Epuni resturant without having to take cash from other ones.
    Epuni Resturant Owner
    I am now able to take an extended vacation knowing that my Epuni company will run effortlessly.
    Local Business Owner
    Business loans, specifically those that are unsecured business loan or line of credit for business funding require to not become a tense process. Business finance in the form of small business loans at an interest rates and repayment time that fits the requirements of your business liquidity.
    Business Lenders for Business Goals
    I'm now able employ an experienced marketer to help me help me take my business to the next stage of business growth.
    Growing Business
    I am now able to make coffee for my clients using the best equipment.
    Cafe Owner
    Business business loans, interest rates and repayment terms as well as flexible repayment options to fit the needs of your company needs.
    Business Lending Options
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    More about the Epuni Small Business Loans

    Let me know how you are able to avail the Epuni Small Business Loans

    Epuni unsecured loans offers amounts between $5,000 and $100,000, with terms ranging from 3 and 24 months, cash flow-friendly repayments that are either daily or weekly.

    What is this Unsecured Loan different from the traditional business loan?

    Apply for your Small Business Loan in under 10 minutes online or over the phone, receive an answer within the same day and have the funds in your account within 24 hours. Traditional company loans are based on an interest rate per annum plus other fees and charges. Our company loan is a loan that is priced upfront which means you be aware of the amount you will have to pay, including any interest, fees or charges. Then, it is broken down into a daily or weekly repayment figure.

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

    A Small Business Loan can be used for almost every business purpose including managing cash flows, business renovations, marketing, to purchase inventory or new equipment, to fund general working capital, and much more. The loan cannot be used to fund personal expenses.

    About Larger Epuni Business Loans

    What is the Larger Epuni Business Loan?

    The Larger Business Loan is a larger size loan to aid in company growth opportunities. Loans are between $100,000 and $500,000 with a term fixed for up to 36 months. Repayments are either weekly or fortnightly depending on your situation.

    How is the Origination Fee calculated?

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

    Am I eligible for the Larger Business Loan?

    To be eligible for a loan in this amount the business needs to be trading for at least 3 years and generate an annual revenue of $700,000. You must be a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old as well as own a New Zealand business (with a valid NZBN/IRD) and be able to prove at minimum 12 months of continuous trading.

    What can I use the funding for?

    A larger company loan is a great option for almost every company use, including company improvements, purchasing equipment or inventory, as general working capital, and much more. The loan is not available for personal reasons.

    Is the Larger Business Loan one that is secured?

    Asset security is necessary to access funding over $150,000. It is usually by way of charge on assets, and could include the registration of this through the PPSR or making a caveat.

    A personal or director’s guarantee is a promise to pay back a loan that is generally in nature rather than specifying the security of a specific asset. The person who signs the guarantee is personally responsible if the company the borrower fails to re-pay the debt.

    The Personal Property Securities Register (PPSR) is a central, national online register that is operated by the New Zealand Government. It records security interests that have been that are registered for personal property (including objects or assets). The PPSR allows prioritisation over property that is personal to be granted according to the date the security interest was registered.

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

    What is a pre-approval minus Credit Check?

    When you’re applying for a Larger Business Loan of more than $250K it’s possible to offer a preliminary pre-approval to help smooth out the process. We might be able to get this done without a credit check, and within six hours of your initial application. The pre-approval is based upon a preliminary assessment which includes the answer to a series of financial health checks. It’s neither an offer nor a guarantee of finance. Acceptance without condition is subject to a full credit assessment and any offer you may receive may have different conditions.

    The application process

    Can I be eligible for funding?

    You may be eligible for an business loan if you;

    • are a New Zealand Citizen (or Permanent Resident)
    • are over the age of 18 and have a New Zealand company (with a valid NZBN/IRD)
    • can demonstrate at least 6 months of trading (for for the unsecured loan $5K – $100K) or three years of trading (for the Larger Business Loan $100K - $500K)

    How do I apply?

    The process for applying is fast and simple. Simply complete the online form in just a few minutes, and an experienced company loan specialist will call you to guide you.

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

    For larger loan sizes, you’ll also require:

    $100K – $250K: Details of application, including credit approval, 6-12 months of bank statements, IRD statement (if credit is over $150K).
    $250K to $500K: Details for application including credit consent as well as 12 months of bank records, IRD statements, last 2 years finalised financial statements, in addition to interim financial statements for the current year such as age-related payables and aged Receivables Summary.

    How quickly will I receive an answer?

    For an unsecured loan ($5K and up) we can often provide a response in one hour if you make your application within quality company times and you allow us to use the advanced bank verification system to instantly verify your bank information online. If you choose to submit copies of your bank statements we can offer the decision within just the span of one company day.

    For Larger Business Loans ($100K and up) we may be in a position to offer the conditional pre-approval in about 6 hours. After you’ve signed the pre-approval form, it will take between 2 and 3 days for the final approval, however this can be quicker based on the circumstances of each application. Some deals have been approved in less than 24 hours.

    The quickest way to apply can be make sure you apply during normal business hours. Also, allow us to use our advanced bank verification system to instantly verify your bank information online. If you send us the copies of bank accounts, it can take a bit longer.

    How quickly will I receive the cash?

    For the Small Business Loan ($5K to $100K) We can usually offer a response in one hour – provided you apply within normal business time and allow us to use the advanced bank verification system link to instantly verify your bank details online. If you choose to upload copies of your bank statements, we will be able to offer the decision within one business day.

    If you are applying for Larger Business Loans ($100K and up) we might be capable of offer you with pre-approval conditional to your application within 6 hours. After you’ve signed the pre-approval, the turnaround time is about 2-3 days for final approval, however this could be shorter based on the specifics of each application. Certain agreements have been approved in 24 hours.

    The quickest method would be to ensure you apply during standard business hours. Also, allow us to use our modern bank verification to instantly check your bank’s information online. If you choose to upload the copies of bank statements it may take a bit longer.

    What’s the minimum amount I can borrow?

    We offer loans that range from $5,000 and $500,000. When you make an application for a certain amount we take into consideration a range of elements in order to assess what is the well-being for your company and the level of repayments that your company is able to afford. The amount you receive from the loan will be determined by the particular circumstances the business.

    When you apply for a specific amount we will consider a number of aspects to determine the well-being of your company as well as the amount of payments your business can afford. The amount you receive from your loan will depend on the specifics of your company.

    Fees & repayments

    How much should you charge for the cost of a company loan?

    When you apply for the business credit, we will assess the risk assessment of your company and offer an individualised offer including the amount of the loan, the duration and the interest rates. A company loan is an upfront cost loan and you’ll know the exact amount due, which includes any interest rates, fees or charges.

    What is the basis for the rate I pay?

    Business loan interest rates differ based on various factors including the amount borrowed, what business assets the money will be used for in addition to the industry that the business operates in, how long the company has been operating as well as in the event that the business has enough cash flow to cover the loan, and overall well-being and creditworthiness of the company.

    What are the fees?

    There are no hidden fees with our business loans. You’ll know precisely what it is that you need to pay and at what time, from the day you sign up. 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 can apply for a loan without any upfront costs or any obligation to sign up.

    The Origination Fee covers the costs associated with the setting up and management of the loan. It is only charged for this cost if you take out the loan. The Origination Fee for us is 2.5 percent of the amount of the loan.

    Can I repay the loan early?

    You can choose to repay the entire amount of the advance loan at any time.

    If you are deciding to take this route, please call our helpful business credit professionals. The experts will offer you with details on repayment as well as an early payout amount. This will be calculated as the total of the remaining principal amount and any accrued interest at the date of early payout in addition to 1.5% of the principal remaining and any outstanding fees.

    How do repayments work?

    In order to help you avoid missing payments and to work with your cash flow standard, we provide repayments either weekly or daily. They will be automatically deducted from your designated company account.

    Security & privacy

    Will my information be secure?

    Protecting your information, and being clear about the ways we gather, use, exchange and safeguard your data, is of huge importance and is a crucial part of our relationship you.

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

    Yes. We employ industry-recognised encryption standards to protect your personal, sensitive as well as financial data. Our funders are ISO 27001 certified for our commitment to the security of our customers as well as their security. We utilise a sophisticated bank verification system to instantly verify your bank account details online. This allows us to provide an immediate response.

    About business loans

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

    Asset-based borrowing occurs when the business owner makes use of assets they own to obtain the loan. The asset could be an individual property, such as the family home or it could be a business asset like a truck as well as a piece of machine.

    The majority of lending institutions, including the banks with the biggest size, prefer to make loans secured by assets. If you’re having trouble paying back the loan then the asset might be sold by the lender. In essence, it is means of securing new financing by taking advantage of the value of what you already own.

    Do I need security to secure a business loan?

    For loans up to $150K there is no requirement for asset security upfront to access the money however, we require a personal guarantee. require a personal guarantee. So long as you comply with the loan terms (as stated in your loan contract document) Asset security will never be needed. For loans over $150K typically, you will need an individual guarantee and security that is in the form a charge over assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites and auction houses
    • Debt purchasers & debt collection agencies
    • Direct marketers 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, churches etc.
    • Panel beaters & smash repairers
    • Pawnbrokers & pawn shops
    • Property developers
    • Investment business, shares & stockbrokers
    • Tattoo studios
    • Taxi or ride-sharing services
    • Entertainment sales and ticket resellers
    • Tow truck services
    • Secondhand vehicle companies
    • Vehicle glass tintingcompanies
    • Automotive dismantlers

    We can’t assist with an unsecured business loan for those industries, we might be able to assist you by providing 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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