Unsecured Business Loans Glendene NZ

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

Unsecured Business Loans Glendene

A Glendene unsecured business loan is simple and quick to apply for. Approve your loan in a matter of minutes and use the money for your business.

  • Could additional funds assist your business by allowing you to work capital or to take advantage of the opportunity for growth?
  • What are the best ways to finance your business requirements?

What you can expect:

  • Easy process to fill out and receive approval and the funds will be around as early as tomorrow
  • Optionally no reayments in the first four weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3 to 36 months
  • Competitive interest rates
  • Minimal documentation needed

The criteria for eligibility for an unsecured business loan within Glendene are fairly minimal.

I'm now able take an extended vacation knowing that I am confident that my Glendene company will run smoothly.
Local Business Owner
Simple loan application procedure with a large amount of borrowing capacity, a low requirements for credit and there is no need to submit a business plan. Do not use your personal credit card and company credit cards as a way to finance your company.
Unsecured Loans Made Simple
Business loan interest rates and repayment terms as well as flexible repayment options to suit you business needs.
Business Lending Options
I'm now able fund the construction of our new Glendene resturant without having to pull cash from the other locations.
Glendene Resturant Owner
I can now hire an expert marketer to take my business to the next stage.
Growing Glendene Business
I'm able get my tax back in order.
Small Business Owner
Business loans, especially those that are unsecured business loan or line of credit to business funding require to not become a tense process. Business finance in the form of small business loans at an interest rate and repayment schedule that is suitable for the requirements of your company liquidity.
Business Lenders for Business Goals
I can now make the coffee I serve my customers with the best equipment.
Cafe Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for a business financing in Glendene with us is simple and only takes about a couple of minutes, there are no long lines of paperwork or waiting in line.

Get approved and receive your money within 1 – 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We aim to help Glendene businesses of all types, whether small, medium or solopreneurs access money quickly, so that they can make use of the loan to grow and build.

  • It all starts with a simple online application, or phone call
  • Flexible repayment terms to meet the needs of your company
  • Quick funding in a day or two days
  • A team that wants to see you succeed as well as you company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • At least 6 months in business
  • At least $6,000 of revenue per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Use a New Zealand bank as your primary account for trading
  • Bank statements for the last 6 months

Do you require more money? Review the conditions of eligibility for our $100K-$500K company loans.

Here's How Other People Have Benefited

Examples of Business Loans

A restaurant owner was wanting to open a second location and required funds to remodel. Their bank wasn't interested in helping. Typical monthly revenue for them was $50K, and they were able to get a loan of $66K over 24 months. The turnaround time was 8 hours.
Restaurant Owner
An interior designer saw an opportunity to grow their business and needed working capital to finance the expansion. With monthly revenue of $300K they borrowed $250K over 24 months. Their turnaround time was only 2 days, and all they had to present was 12 months of bank statements along with IRD confirmation and their trust deed.
Interior Designer
A plumber who has worked in the business for 3 years, with 80K in monthly sales was looking for additional funding. They borrowed $153K over the course of 36 months. All they needed were 12 months' worth of statements and confirmation from the IRD. The procedure was completed within one day, and the plumber got their extra working capital in ther account soon afterward.
After purchasing a pizza restaurant and two liquor stores 6-12 months earlier, the new owners were seeking additional cash. The revenue total was greater than $500k per month. They could borrow $300K. This was then split as $100K per store on the option of 24- and 36 months. There was no security on the owners' houses was required.
Owner of a Pizza Store & 2 Liquor Stores
A business coach was seeking to invest in an health and beauty business. With a little over $12K in monthly revenues they borrowed $24K in 24 months. The loan required 12 months of bank statement and was completed in just 8 hours.
Business Coach
Simple eligibility checklist

Larger Glendene Business Loan Eligibility Criteria

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

  • Minimum of 3 years trading in business
  • At least $700K in annual revenue
  • Be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence 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
  • Certain financial statements include Profit & Loss and the Aged Accounts Payable and Receivable

Are you looking for a lower amount of money? Find out the guidelines for eligibility for our $5K to $100K Glendene unsecured company loans.

Business Lending for a Cash Injection

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

A Glendene unsecured loan is perfect for almost every company use. Call us now.

  • Renovate or expand commercial properties
  • Staff expansion for busy periods
  • Boost stock levels to keep pace with demand
  • Create a new site or enhance your marketing
  • Invest in new equipment, tools or new technologies
  • Make sure you have extra stock on hand to meet seasonal demand
  • Control cash flow fluctuations
  • Plus many more …

Do you want to start working on one of these idea as quickly as tomorrow? Get in touch with us today or send an application online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All that’s needed to get started is your contact information (the name of your company, your name, email, phone), how much you want to borrow, and your monthly earnings.

While in the process and before settlement we will require confirmation of your identity, but not to get started:

  • Details of the Idenfication (valid Driver’s Licence)
  • Business information including trading times as well as ownership information and the NZBN (New Zealand Business Number)

In addition, once we have started in the process, for loans greater than $150,000 you’ll also need fundamental 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

    A restaurant owner wanted to open a second restaurant and needed funds for the fit out. Their bank wasn't willing to help. The typical monthly income for them was $50K and they were able borrow $66K over the course of 24 months. The turnaround time was just 8 hours.
    Restaurant Owner
    The owner of a tiny supermarket that was 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. Turnaround time was just 6 hours from the moment you applied to receiving the funds.
    Grocery Store Small Business Loan
    A gym that was in operation for more than 3 years, was planning to expand and needed additional equipment. With a monthly income of $37K, they borrowed$72K over a 24 month period. No security was needed to secure the loan. It was ready to go within just 24 hours.
    With the busy Christmas season nearing, a clothing store required working capital in order to purchase more inventory and to take advantage of discounts offered by suppliers. They took out a loan of $20K over a period of 12 months with no asset security required and had the funds in less than 24 hours.
    Clothing Store
    Acquiring a pizza shop and two liquor stores six to 12 months earlier, the new owners were looking for more funds. The combined revenue was over 500K per month. They were able to obtain $300K and split it into $100K for each store, with two different 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 increasing their credit requirements, the steady stream of non-bank and alternative loan providers entering the market offers the perfect source for you to take advantage of.

    Glendene SME’s are now being able to get finance from alternative lenders who service Glendene who are focused on enabling business growth or smoothing out the cash flow problems. The past was when individual credit providers (drawing equity from the house loan, or by using credit cards, personal loans and the overdraft) were the only alternative financing solutions in Glendene that were available.

    There’s there is no requirement of having to rely on the real estate market to secure company lending. With an unsecured loan, business financing is now easy. Instead of a loan for a term with banks, business finance for a small business with interest rates and loan terms that aid to manage cash flow are around as business credit options.



    High level summary

    Separate personal and business debt

    There are many advantages associated in separating personal from company debt.

    • Your home or other investments, aren’t tethered in order to access funds
    • This business stands in stronger position to create its own credit history
    • It’s much more seamless when it comes to tax time
    • Companies can quickly view the situation, track and plan based on being able to clearly evaluate their cash flow situation

    Reduce your risk, and make tax times simpler, start with an unsecure busines loan. Apply today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your personal and company assets apart can be that your home isn’t necessarily tied up to allow access to the funds. If you’re looking for a small business loan within Glendene up to $100K asset security won’t be required so long as the borrower fulfills the loan requirements.

    Credit history

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


    Separating personal and company finances makes it more seamless in the event of tax time - especially when it comes to determining the tax-deductible allocation. The IRD has laid out guidelines for the documentation required for claiming deductions on an individual’s tax return. This is an area that the IRD has advised specifically on.

    Cash flow

    Effective cash flow management is key for the long-term survival in any business. Through keeping the personal financial and company finance separate, companies can easily view how they are performing, monitor and plan on the ability to effectively examine their cash flow.

    I can now hire a marketing expert to take my company to the next step of business growth.
    Growing Business
    I'm now able fund the construction of our newly constructed Glendene resturant without having to borrow cash from other resturants.
    Glendene Resturant Owner
    Simple loan application procedure with a huge limit on borrowing, no credit criteria and no requirement to provide a business plan. Stop using your personal credit card and business credit cards as a way to fund your company.
    Unsecured Loans Made Simple
    I am now able to take a holiday knowing my Glendene business will run without a hitch.
    Local Business Owner
    I'm able get my tax back to keep me on track.
    Small Business Owner
    I can now make beverages for customers using the best equipment.
    Cafe Owner
    Business loan interest rates and repayment conditions, and flexible repayment options to suit your business needs.
    Business Lending Options
    Business loans, especially an unsecured unsecured business loan or line of credit to business funding require never be an tense process. Finance for a company in the shape of small business loans with an interest rate and repayment term that will suit the needs of your business financial needs.
    Business Lenders for Business Goals
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Glendene Small Business Loans

    Tell me about the Glendene Small Business Loans

    Glendene unsecured loans provides the range of $5,000 to $100,000. Terms range from 3 and 24 months and cash flow-friendly repayments, which are either daily or weekly.

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

    It is possible to apply to the Small Business Loan in under 10 minutes over the phone, receive an answer within the same day and the money could be in your account in 24 hours. Traditional company loans refer to an annual rate of interest plus other fees and charges. Our business loan is an upfront priced loan which means you be aware in advance of the total amount payable including any fees, charges or charges. This is then broken down into a daily or weekly payment amount.

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

    It is a Small Business Loan can be used for nearly any company need, such as control of cash flow business improvements, advertising, 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 Glendene Business Loans

    What is the Larger Glendene Business Loan?

    The Larger Business Loan is a larger loan size to support business growth opportunities. Loans range between $100,000 and $500,000 for a fixed period of that can last up to 36 months. The repayments are made weekly or fortnightly depending on you cashflow.

    How is the Origination Fee calculated?

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

    Am I eligible for the Larger Business Loan?

    To qualify for a loan in this amount, your business needs to be operating for at least three years with an annual turnover of $700K. The applicant must also be a New Zealand Citizen (or Permanent Resident) who is over the age of 18 or have a New Zealand company (with a valid NZBN/IRD) and be able to demonstrate at least 12 months of trading.

    What can I use the funds for?

    A Larger Business Loan can be used for nearly all company need, including business renovations, purchase of equipment or inventory for general working capital and much more. The loan is not available to fund personal expenses.

    Is the Larger Business Loan one that requires security?

    Asset security is necessary to obtain funding above $150,000. It is usually as a result of an charge against assets, and may include the registration of this on the PPSR or making a caveat.

    A personal or director’s ensure is a promise to pay off a credit line that is general in nature rather than stipulating the security of a specific asset. The person signing the guarantee is personally accountable if the business the borrower fails to pay back the debt.

    The Personal Property Securities Register (PPSR) is an online central register run by the New Zealand Government. It records security interests that have been which are registered with respect to personal property (including objects or assets). The PPSR allows priority over personal property to be granted according to the date a security interest that is registered.

    The caveat can be described as a formal form of document to offer an official notice of a claim to property.

    What is a pre-approval without Credit Check?

    When you’re applying for the Larger Business Loan that exceeds $250,000 it’s possible to offer an initial pre-approval that will help smooth out the process. We may be able to make this decision without a credit verification and within 6 hours of the initial application. This pre-approval is made based on a preliminary assessment which includes answering a couple of financial health questions. It is in no way an offer, nor is it a guarantee of funds. Unconditional approval is subject to an extensive credit evaluation and any offer that you might receive could have different conditions.

    The application process

    Do I qualify for funds?

    You may apply for an company loan if you;

    • are a New Zealand Citizen (or Permanent Resident)
    • are over the age of 18 and have a New Zealand business (with a valid NZBN/IRD)
    • must show at least six months of business (for for the unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K to $500K)

    How do I apply?

    The application process is quick and simple. Just fill out the online application in just a few minutes, and a dedicated company expert in lending will be in touch to guide you.

    To apply for up to $100,000, you’ll need the right identification documents (valid Driver’s Licence) along with a valid NZBN/IRD and at least 6 months’ worth of bank statements.

    For larger loan sizes, you’ll need:

    $100K – $250K: Details of application, including credit consent, 6 – 12 months of IRD statements, bank statements (if credit is over $150K).
    $250K-$500K: Application details including credit consent as well as 12 months bank statement, an IRD statements as well as the two most recent years’ financial statements, and interim financials from the current financial year including Aged Payables, Aged Receivables summaries.

    How soon will I hear an answer?

    For an unsecured loan ($5K or more) We can usually provide a response in one hour, provided you apply within quality company time and permit us to make use of the advanced bank verification system link to instantly verify your bank details online. If you want to upload copies of your banking statements , we will be able to provide the decision within just 1 company day.

    For the Larger Business Loan ($100K up to $500,000) we may be capable of offer you with conditional pre-approval in around 6 hours. After you’ve signed the pre-approval, the turnaround time is about 2-3 days for final approval, however this can be quicker based on the circumstances of each application. Certain deals have been approved in 24 hours.

    The most effective method is to ensure you apply during standard company hours, and let us use the modern bank verification to instantly confirm your bank details online. If you decide to upload the copies of bank statements , it may take a bit longer.

    What is the time frame to receive the money?

    For the Small Business Loan ($5K up to $100,000) we usually offer a response in one hour, provided you submit your request within standard business time and let us utilise the advanced bank verification system link to instantly verify your bank’s information online. If you want to send us copies of your bank statements, we are able to offer the decision within one business day.

    If you are applying for Larger Business Loans ($100K and up) we may be likely to offer you with pre-approval conditional to your application within about 6 hours. After you’ve signed the pre-approval form, it will take around 2-3 days for final approval, however this may be quicker depending on the specifics of each application. Some offers have been approved within just 24 hours.

    The fastest method is to make sure you apply during normal business hours, and allow us to use the advance bank verification link to verify your bank account information online. If you send us duplicates of your banking statements, it takes a bit longer.

    What is the maximum amount I can borrow?

    We provide the loan amount between $5,000 and $500,000. When you make an application for a certain amount, we consider a variety of variables in order to assess what is the health for your business and the extent of repayments your company can support. The total amount of the loan will be determined by the particular circumstances for your company.

    When you make an application for a certain amount, we consider a variety of elements to assess the health of the company and the extent of payments your business will be able to support. The amount you receive from the loan will be determined by the specific circumstances that are unique to your company.

    Fees & repayments

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

    If you decide to make an application for our company financing, we will assess the risk profile that you have for your company and offer an individualised proposal that includes the amount of the loan, the duration and interest rates. The company loan is an upfront cost loan therefore you will be aware of the total amount payable including any interest rates, fees or charges.

    What is the factor that determines the price I pay?

    Interest rates for business loans rates depend on a variety of factors including the amount that is borrowed, what company assets the funds will be used for as well as the field the company is operating in, how long the business has been in operation, whether the business has sufficient cash flow to fund the loan, as well as the general health as well as creditworthiness company.

    What are the costs?

    There are no hidden fees with our business loans, and you’ll know precisely what you be required to pay, and when, right from the very first day. There’s no compounding and there are no additional charges (as as long as you pay your payments on time).

    We do not charge an application fee. You are able to get a cash loan absolutely no upfront cost and no commitment to apply.

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

    Can I repay the loan earlier?

    You may choose to pay back the total amount of your loan early at any time.

    If you choose to pursue this option, please speak to our friendly company lending specialists. They will provide you with the details of your repayment and an early payment figure. The figure will be calculated as the total of the remaining principal amount and the accrued interest up to the date of early payout plus 1.5% of the principal remaining as well as any outstanding fees.

    How do repayments work?

    To ensure that you don’t miss repayments and to fit in your cash flow cycle we offer repayments that are either weekly or daily. These are automatically deducted from your company account.

    Security & privacy

    Will my information be secure?

    The security of your personal information, as well as knowing the ways we gather, use, exchange and ensure the security of your information is crucial and is a crucial 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 personal, sensitive financial information and our funders are ISO 27001 certified for our dedication to customer security and privacy. We employ a highly sophisticated bank verification system that allows you to immediately confirm your bank account information online to offer quick responses.

    About business loans

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

    An asset-based loan is when the company owner utilises assets they own to get a loan. The asset can be either an individual property, such as the family home or a company property like a truck as well as a piece of machine.

    The majority of lending institutions, even the big banks, tend to make loans secured by assets. If you have trouble paying back the loan, then the asset might be taken over by the lender. In essence, it is an opportunity to secure new financing by making use of the value of what you already own.

    Do I need security for a company loan?

    For loans that exceed $150K, no asset security is required in advance to gain access to the funds however, we require a personal guarantee. need a personal guarantee. If you adhere to the terms of your loan (as specified in your loan contract document) and you are able to meet your obligations, asset security will never be needed. If you take out loans in excess of $150K typically, you will need a personal guarantee and security is provided in the form of a charge over assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction houses & auction websites
    • Debt purchasers or debt collection firms
    • Direct marketers such as mail order, fundraising, telemarketing, direct-mail etc.
    • Financial lenders or institutions
    • {Firearm businesses
    • Foreign currency exchange solutions
    • Freight forwarding & customs clearing houses
    • Anything gambling related
    • Not-for-profit organisations, charities, churches etc.
    • Panel beaters & smash repairers
    • Pawnbrokers or pawn shops
    • Property development
    • Stockbrokers, shares orinvesment businesses
    • Tattoo palours
    • Ridesharing or taxi services
    • Entertainment sales or ticket resellers
    • Vehicle towing services
    • Secondhand vehicle dealerships
    • Vehicle glass tintingfirms
    • Automotive dismantlers

    While we aren’t able to help with an unsecured business loan in these types of industries, we may be able to 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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