Unsecured Business Loans Glen Eden NZ

If You Do This Today, You'll Be All Set For Success WithThe Help Of a Glen Eden Business Loan

Unsecured Business Loans Glen Eden

A Glen Eden unsecured business loan is quick and easy to obtain. Approve your loan in a matter of minutes and begin using the money for your company.

  • Could additional funds assist your company with working capital or for an opportunity to grow?
  • How do you finance your business needs?

What to expect:

  • It’s easy to apply and get approved and the funds will be around as early as tomorrow
  • Optionally no reayments in the initial 4 weeks
  • From $5k to $500K in loans
  • Terms from three to thirty-six months
  • Competitive rates of interest prices
  • Minimal docs required

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

I'm now able employ a marketer to boost my company to the next level.
Growing Glen Eden Business
I'm able get my tax back on track.
Small Business Owner
Business loans, specifically those that are unsecured business loan or line of credit to business financing require to not become a tense process. Finance for a company in the shape of small business loans at an interest rate and repayment period which is compatible with your business budget.
Business Lenders for Business Goals
Business credit rates and repayment terms as well as flexible repayment options that can be tailored to what your business needs.
Business Lending Options
I'm now able to prepare coffee for my clients with the very best equipment.
Cafe Owner
I'm now able to finance the remodel of our brand modern Glen Eden resturant without having to borrow cash from other resturants.
Glen Eden Resturant Owner
An easy loan application process with a huge borrowing limit, minimal credit criteria and there is no requirement to create a business plan. Stop using your personal credit card or business credit card to finance your company.
Unsecured Loans Made Simple
I can now take vacation knowing that I am confident that my Glen Eden company will run well.
Local Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for business loans in Glen Eden business loans within Glen Eden with us is easy and takes only about a couple of minutes, there are no mountains of paperwork or queues.

Receive approval and money within 1 to 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Glen Eden companies of all kinds, including medium, small and even solopreneurs access funds quickly so that they can take advantage of loans to expand and grow.

  • It begins with an easy online application or phone call
  • Flexible repayment terms to meet the needs of your business
  • Quick funding in a day or two
  • A team that wants both you and your business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • A minimum of six months in business
  • At least $6,000 in income per month
  • You must be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for identification proof
  • You should have a New Zealand bank as your primary account for trading
  • Bank statements for the last six months

Are you looking for additional funding? Take a look at the guidelines for eligibility for our $100K-$500K company credit.

Here's How Other People Have Benefited

Examples of Business Loans

A gym that had been in operation for more than 3 years, was planning to expand and required additional equipment. With a monthly turnover of $37K they borrowed $72K over a 24 month period. The loan was not secured and the loan was ready in just 24 hours.
Acquiring a pizza shop as well as two liquor stores 6-to 12 months ago, the new owners were looking for more funds. The total revenue of the two stores was more than $500K per month . The owners could borrow $300K and split it into $100K per store on the option of 24- and 36 months. No security over the owner's houses was required.
Owner of a Pizza Store & 2 Liquor Stores
A business coach was seeking to invest in the well-being and beauty company. With just under twelve thousand dollars in monthly income, they borrowed $24K over 24 months. The loan was based on 12 months of bank statement and was completed in just 8 hours.
Business Coach
With the busy holiday season approaching, a clothing store required working capital in order to purchase more stock and also benefit from a supplier discount. They secured $20K over the course of 12 months with no asset security required and had the funds in less than 24 hours.
Clothing Store
A restaurant owner was wanting to open a second establishment and needed money to fund the renovation. The bank was not interested in helping. The average monthly income for them was $50K, and they were able to get a loan of $66K over 24 months. Turnaround was only 8 hours.
Restaurant Owner
Simple eligibility checklist

Larger Glen Eden Business Loan Eligibility Criteria

The requirements for eligibility to be eligible for the larger Glen Eden company loans of between $100K and $500K include:

  • Minimum of 3 year’s experience in business
  • A minimum of $700K annually in income
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for identification
  • Make sure you have an account with a New Zealand bank as your main trading account
  • Bank statements from the past six months
  • Some financial statements such and Profit & Loss, and aged accounts Payable and Receivable

Do you require a smaller amount of funding? Take a look at the conditions for eligibility for our $5K-$100K Glen Eden unsecured company loans.

Business Lending for a Cash Injection

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

A Glen Eden unsecured loan is perfect to use for every business reason. Call us now.

  • Renovate or expand a commercial premises
  • Grow the team for busy periods
  • Boost stock levels to keep up with demand
  • Build a new website or increase your marketing
  • Invest in new equipment, tools or technological advancements
  • Purchase extra stock to cover the seasonal demand
  • Manage cash flow fluctuations
  • And many more …

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

Quick application checklist

What do you need to apply

All you need to get started is your contact information (the name of your company, your name, email address and telephone) as well as the amount you’d like to borrow and your monthly earnings.

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

  • Information on Idenfication (valid Driver’s License)
  • Information about the company, including details on trading hours, ownership details and NZBN (New Zealand Business Number)

Once we’ve started when it comes to loans over $150,000 you will also require the following financial statements:

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started now.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    An interior designer saw an opportunity to expand their company and needed working capital to fund this growth. With an annual revenue of $300K they borrowed $250K over 24 months. The time to turn around for them was just 2 days and all they needed to present is 12 months' worth of Bank statement along with IRD confirmation and trust deed.
    Interior Designer
    A gym that was running for more than three years was looking to expand and required additional equipment. With an average monthly revenue of $37K they borrowed $72K over a 24- month period. No security was required and the loan was compelted in just 24 hours.
    A plumber who's been in business for 3 years with 80K in monthly sales was looking for additional funding. They were able to borrow $153K over a 36 month term. All they needed is 12 months worth of banking statements and confirmation of their status with IRD. The procedure was completed within a day and the plumber was able to access their working capital in their account soon afterward.
    With the busy Christmas time coming up, a store selling clothing needed working capital to buy more stock and take advantage of discounts offered by suppliers. They borrowed $20K over 12 months with no security of assets required. They received the money in just 24 hours.
    Clothing Store
    The owner of a modest supermarket that was making $70K a month borrowed $76K over a 24-month term with no repayments during the initial 4 weeks. This had a requirement of 12 months' bank statements. The turnaround time was only 6 hours from application to getting the funds.
    Grocery Store Small Business Loan

    The lending landscape has changed

    With traditional lenders and banks tightening their credit terms and the constant stream of alternative and non-bank loan providers entering the market provides an incredible source to make use of.

    Glen Eden SME’s are now capable of accessing finance through alternative lenders who service Glen Eden who are focused on facilitating company growth or smoothing out cash flow issues. In the past, the personal sources of credit (drawing equity from a house loan, or using credit cards or personal loans, as well as overdrafts) was the sole alternative funding services within Glen Eden that were around.

    There is now an end to the need of having to depend on the real estate market to secure business loan. With an unsecured loan, business financing is easy. Instead of a traditional term loan from banks, business finance for a small business with interest rates and loan terms that can help to manage cash flow are available as business loan options.



    High level summary

    Separate personal and business debt

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

    • Your home or other investment properties, aren’t held for the purpose of accessing funds
    • The business has a stronger position to create its own credit history
    • It’s much more straightforward at tax time
    • Businesses can easily view the situation, track and plan based on being able to easily evaluate their cash flow situation

    Lower your risks, make the tax process more simple, apply for an unsecured busines loan, apply today.

    For those who like the detail

    Separate personal and business debt


    One major benefit of keeping your personal and business assets apart will be the fact that your home isn’t tied to the funds. For a small business loan within Glen Eden up to $100K, asset security will not be needed as long as the borrower fulfills the loan requirements.

    Credit history

    Businesses are in a more favourable long-term financial position if they have a good credit or debt capability.


    The separation of personal as well as company finances makes it significantly more seamless when it comes to tax time, particularly when identifying what is the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has outlined the requirements for evidence to be able to claim deductions on an organisation’s tax return. This is a subject that the IRD have specifically advised on.

    Cash flow

    Effective cash flow management is vital to the longevity of any business. Through maintaining personal as well as company finances separate, companies can easily view how they are performing, monitor and plan on the ability to clearly evaluate their cash flow situation.

    I can now hire an specialist marketer to help me take my business to the next step of business growth.
    Growing Business
    I can now take an extended vacation knowing that the Glen Eden business will run smoothly.
    Local Business Owner
    I am now able to fund the construction of our newly constructed Glen Eden resturant without having to borrow cash from other ones.
    Glen Eden Resturant Owner
    I'm able to get my taxes back in order.
    Small Business Owner
    Business loans, in particular an unsecured business loan or line of credit to business financing need to not become a difficult procedure. Business finance can be in the form of small business loans at a fixed interest rates and repayment period that fits your business liquidity.
    Business Lenders for Business Goals
    An easy loan application process with a huge loan limit, with minimal credit criteria and there is no requirement to create a business plan. Don't use your personal credit card or business credit cards to finance your business.
    Unsecured Loans Made Simple
    I'm now able make coffee for my clients with the best equipment.
    Cafe Owner
    Business loan interest rates and repayment terms and flexible repayment options to meet the requirements of your business needs.
    Business Lending Options
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Glen Eden Small Business Loans

    Tell me what you think of the Glen Eden Small Business Loans

    Glen Eden unsecured loans offers amounts between $5,000 and $100,000, with terms ranging from 3 and 24 months, cash flow friendly repayments which can be made daily or weekly.

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

    Apply for this Small Business Loan in under 10 minutes by phone. You will receive a same day response and funds may be in your account in 24 hours. Traditional company loans refer to an interest rate per annum as well as other fees and charges. The business loan is a cash-based loan therefore you’ll know ahead of time the total amount to be paid, including any fees, charges or charges. Then, it is broken down into weekly or daily installment amount.

    What can be the Small Business Loan be used for?

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

    About the Larger Glen Eden Business Loans

    What is the Larger Glen Eden Business Loan?

    The Larger Business Loan is a larger size loan to aid in business growth opportunities. Loans range between $100,000 and $500,000 with a fixed-term up to 36 months. Repayments are either weekly or fortnightly to work with the flow of cash.

    How is the Origination Fee calculated?

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

    Am I eligible for the Larger Business Loan?

    In order to be eligible for a loan of this size the business needs to be trading for at least 3 years, and have an annual income of $700K. You must be a New Zealand Citizen (or Permanent Resident) at least 18 years old as well as own a New Zealand company (with a valid NZBN/IRD) and be able to demonstrate at least 12 months of trading.

    How can the funds be utilised?

    A larger business loan is a great option for almost any company use, including business improvements, purchasing new equipment or inventory or as general working capital and much more. The loan cannot be used for personal use.

    Is the Larger Business Loan a secured loan?

    Asset security is needed for funding of more than $150,000. It is usually by taking a charge on assets, and could include registration with the PPSR or making as a caveat.

    A director’s or personal guarantee is a promise to repay credit that is generally based rather than stipulating security over an asset. The person who is signing the ensure is personally liable in the event that the company lender is not able to re-pay the debt.

    The Personal Property Securities Register (PPSR) is an online, central registry run by the New Zealand Government. It records security interests that have been registered in respect of personal property (including the assets or goods). The PPSR permits priority over personal property to be granted according to the date a security interest that is registered.

    Caveats are legal document lodged to offer the legal claim on a property.

    What exactly is a preapproval without Credit Check?

    If you’re requesting a Larger Business Loan that is greater than $250,000 it is possible to offer an initial pre-approval that will help smooth out the process. We could be able to get this done without a credit check, and within six hours of your initial application. The pre-approval process is based on an initial assessment that includes you answering a few financial health checks. This is not an offer or guarantee of credit. A conditional approval is subject an exhaustive credit evaluation, and any offer that you may receive may be subject to different conditions.

    The application process

    Do I have the right to receive funds?

    You may be eligible for an business loan if you;

    • are a New Zealand Citizen (or Permanent Resident)
    • are at least 18 years old, have a New Zealand company (with a valid NZBN/IRD)
    • you must demonstrate at minimum 6 months’ worth of transactions (for you to qualify for unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K or $500K)

    How do I apply?

    The application process is fast and easy. Just fill out the online application within a couple minutes, and an experienced company loan specialist will contact you to guide you through the process.

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

    Otherwise, for larger loan sizes, you’ll need:

    $100K – $250K: Application requirements, including credit consent, 6-12 months of bank statements, IRD statement (if you have a loan of more than $150K).
    $250K-$500K: Details for application including credit consent, 12 months bank statement, an IRD statement as well as the two most recent years’ financial statements, in addition to interim financials from the current financial year including Aged Payables, Aged Receivables reports.

    How quickly will I receive a decision?

    For an unsecured loan ($5K or more) we typically offer a response in one hour, provided you submit your request at standard company hours and you allow us to make use of the advanced bank verification system to instantly verify your bank information online. If you choose to upload copies of your banking statement, we’ll offer an answer within just an business day.

    For the Larger Business Loan ($100K or more) we could be likely to offer you with conditional pre-approval within 6 hours. Once you have signed the pre-approval, the turnaround time is approximately 2-3 days to receive final approval. However, it could be faster based on the particular circumstances of each application. Certain transactions have received approval within the space of 24 hours.

    The fastest way can be make sure you apply during standard business hours and let us use the modern bank verification link to verify your bank information online. If you choose to send us documents from your account statements it will take a little longer.

    How soon will I receive the cash?

    For the Small Business Loan ($5K or more) we typically offer an answer within one hour if you make your application during normal business timings and allow us to make use of the advanced bank verification system link to instantly verify your bank’s information online. If you opt to submit copies of your bank statements, we are able to provide the decision in as little as 1 business day.

    For the Larger Business Loans ($100K to $500K) we could be in a position to offer you with a conditional pre-approval within about 6 hours. Once you’ve signed the pre-approval document, you will need to wait approximately 2-3 days to receive final approval. However, this may be quicker depending on the particular circumstances of each application. Certain transactions have received approval within just 24 hours.

    The most effective method is to ensure you apply during normal business hours. You can also permit us to use the sophisticated bank verification link to check your bank’s information online. If you choose to upload the copies of bank statements, it takes a bit longer.

    How much can I borrow?

    We offer loans that range from $5,000 and $500,000. When you make an application for a certain amount, we will consider a number of factors in order to assess your well-being of your company and the amount of repayments that your company can support. The amount you receive from your loan will be contingent on the specifics of your company.

    If you apply for a set amount, we will consider a number of aspects to assess how much we can lend you such as health for your company and the level of repayments your business can support. The total amount of your loan will be determined by the particulars the business.

    Fees & repayments

    How do you charge for the cost of a company loan?

    If you decide to make an application for one of our company credit, we will assess the risk profile of your company and offer you with a customised offer including the amount of loan, the term and interest rates. This company loan is an upfront cost loan which means you be aware in advance of the total amount to be paid, including any charges, interest rates or fees.

    What is the basis for the rate I pay?

    The interest rates on company loans rates vary due to factors like the amount of money borrowed, the company assets the funds will be used for and the sector the company is in, how long the business has been running, how long the company has enough cash flow to fund the loan, and the overall well-being or financial standing of the business.

    What are the cost?

    There aren’t any hidden costs for our business loans, and you’ll know exactly how much it is that you be required to pay and when, starting from the very first day. There’s no compounding and no extra fees (as as long as you pay your payments punctually).

    We do not charge an application fee. You can apply for a loan with no cost upfront or obligation to proceed.

    The Origination Fee covers the costs associated with the setting up and management of the loan. The only way to pay this fee if you choose to proceed with the loan. Our Origination Fee is 2.5 percent of the loan amount.

    Can I pay out the loan in advance?

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

    If you choose to pursue this option, please call our helpful company lending professionals. They’ll provide you with the details of your repayment and an early payment figure. It will be calculated using the total of the principal balance and accrued interest to the time of early payout in addition to 1.5 percent of the principal balance and any fees that remain unpaid.

    What are the repayment methods?

    In order to help you avoid missing payment dates and to align your cash flow schedule, we provide payments that are either weekly or daily. They will be automatically deducted from your business account.

    Security & privacy

    Will my information be protected?

    Security of your data, and making it clear how we collect information, use it, and exchange it, as well as safeguard your data, is crucial and is an essential part of our relationship with you.

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

    Yes. We employ industry-recognised encryption protocols to safeguard your sensitive, personal as well as financial data. Our funders are ISO 27001 certified for our dedication to security for our customers and privacy. We use an advanced bank verification system that allows you to immediately verify your bank account details online to provide rapid response.

    About business loans

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

    An asset-based loan is when a company owner borrows from an asset they own to secure the funds for a loan. The asset can be either a personal asset like the family home, or an business asset like a truck as well as a piece of machine.

    The majority of lenders, including the big banks, tend to secure loans against an asset. If you’re struggling to pay back the loan, then your assets could be sold by the lender. In essence it’s means of securing new financing by using the worth of the asset you already have.

    Are I require security for an business loan?

    For loans of up to $150K, it is not necessary to secure assets upfront to access the money, however we require a personal guarantee. need a personal guarantee. If you adhere to your loan commitments (as stated in the loan contract) and you are able to meet your obligations, asset security is not needed. For loans that exceed $150,000, generally, you can get a personal ensure and security in the form of an asset charge.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites and auction houses
    • Debt collection firms & debt purchasers
    • Direct marketing such as telemarketing, fundraising, mail order, direct-mail etc.
    • Financial lenders or institutions
    • {Firearm related businesses
    • Foreign currency exchange services
    • Customs clearing houses and freight forwarding
    • Gambling related industries
    • Not-for-profit organisations such as charities, churches etc
    • Smash repairers & panel beaters
    • Pawn shops & pawnbrokers
    • Property development
    • Shares, stockbrokers or investment businesses
    • Tattoo palours
    • Taxi & ride-sharing services
    • Ticket resellers or entertainment sales
    • Towing services
    • Used car dealers
    • Automotive glass tintingservices
    • Automotive dismantlers

    We can’t assist with an unsecured business loan for the above industries, we might be able assist by providing the 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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