Unsecured Business Loans Glenfield NZ

Today, You'll Be On The Right Track To Success With a Glenfield Business Loan

Unsecured Business Loans Glenfield

A Glenfield unsecured business loan is quick and easy in applying for. Get a quick apporval and begin using the money to grow your business.

  • Are additional funds able to help your company with working capital or in achieving a growth opportunity?
  • How are you financing your business needs?

You can expect:

  • It’s easy to apply and get approved and cash as quickly as tomorrow
  • No reayments are permitted in the initial 4 weeks
  • Borrow from $5k to $500K
  • Terms ranging from 3-36 months
  • Competitive rates of interest rates
  • Minimal documentation required

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

I'm able to get my tax back to keep me on track.
Small Business Owner
A simple loan application process that comes with a high amount of borrowing capacity, a low requirements for credit, and there is no need to provide a business plan. Do not use your personal credit card or company credit cards as a way to finance your company.
Unsecured Loans Made Simple
Business loans, in particular one that is an unsecured business loan or line of credit to business funding require to not become a stressful procedure. Business finance is in the form of small business loans that have an interest rate cost, and with a repayment term that is suitable for your business liquidity.
Business Lenders for Business Goals
I'm now able to hire an expert marketer to increase the success of my business to the next step.
Growing Glenfield Business
I can now make coffee for my customers using the best equipment.
Cafe Owner
I'm now able take a holiday knowing the Glenfield company will run well.
Local Business Owner
Business business loans, interest rates and repayment terms as well as flexible repayment options to fit you business needs.
Business Lending Options
I am now able to fund the remodel of our brand fresh Glenfield resturant without having draw cash from other ones.
Glenfield Resturant Owner
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for business loans in Glenfield company loan in Glenfield with us is easy and takes just some minutes, without lengthy forms or lines.

Be approved and receive your funds within 1 – 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Glenfield companies of all kinds, from small to medium-sized solopreneurs to access funding fast so they can take advantage of loans to expand and develop.

  • It begins with an easy online application or a phone call
  • Flexible repayment terms to meet the requirements of your company
  • Fast and prompt funding within a single day or two days
  • A team of people who want both you and your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for obtaining an unsecured business loan in Glenfield of between $5K to $100K are quite minimal.

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

Do you require more money? Review the guidelines for eligibility for our $100K-$500K business loans.

Here's How Others Have Benefited

Examples of Business Loans

The busy Christmas season was nearing, a clothing store required additional working capital to fund extra stock and take advantage of the discount offered by suppliers. They borrowed $20K over 12 months without security of assets required. They received the money in just 24 hours.
Clothing Store
Acquiring a pizza place as well as two liquor stores 6-12 months earlier the new owners were looking for additional funds. The revenue total was greater than $500K per month . The owners were able to borrow $300K, split out as $100K for each store using a mix of 24 and 36 month terms. There was no security on the owners' homes was needed.
Owner of a Pizza Store & 2 Liquor Stores
A gym that was operating for over three years wanted to grow and needed additional equipment. With a monthly turnover of $37K they borrowed $72K over a 24- month period. No security was required and the loan was compelted in 24 hours.
A plumber who's worked in the business for 3 years, with 80K in monthly sales was looking for more funding. They were able to borrow $153K over 36 months. All that was needed to be provided was 12 month bank statements as well as confirmation of the loan's status with IRD. The process was complete within just a few hours and the plumber was able to access their working capital available in their account in a matter of hours.
A company coach wanted to invest in a health and beauty company. With just over $12K in monthly revenue the company borrowed $24K over 24 months. This required 12 months of bank statements and was completed in just 8 hours.
Business Coach
Simple eligibility checklist

Larger Glenfield Business Loan Eligibility Criteria

The criteria for eligibility of the larger Glenfield business loans of between $100K to $500K comprise:

  • Minimum of 3 years trading in business
  • At least $700K of annual income
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification proof
  • Use a New Zealand bank as your principal account for trading
  • Bank statements from the past six months
  • Certain financial statements include Profit & Loss as well as Aged Accounts Payable and Receivable

Are you looking for a lower amount of capital? Find out the eligibility requirements for our $5K to $100K Glenfield unsecured company loans.

Business Lending for a Cash Injection

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

A Glenfield unsecured loan is ideal for virtually every business reason. Contact us now.

  • Renovate or expand the commercial space
  • Hire more staff during busy periods
  • Boost stock levels to meet the demand
  • Build a new website or increase your marketing
  • Make sure you invest in new equipment, tools , or technological advancements
  • Purchase extra stock to cover the seasonal demand
  • Manage cash flow fluctuations
  • Plus many more …

Do you want to begin one of these projects as soon as tomorrow? So, contact us or apply online now for the quickjest fasted way.

Quick application checklist

What do you need to apply

All that is needed to get started is your contact details (the name of your company, your name, email and phone) along with the amount you’d like to borrow, and your monthly earnings.

In the course of the process and before settlement we’ll require confirmation of your identity but not for starting:

  • Idenfication information (valid Driver’s License)
  • Details of the business including time of trading, ownership details and the NZBN (New Zealand Business Number)

Once we’ve started in the process, for loans greater than $150,000 you’ll also need 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

    A gym that was operating for over three years wanted to grow and was in need of additional equipment. With monthly revenue of $37K they borrowed $72K over a 24- month period. There was no security requirement to secure the loan. It was settled in just 24 hours.
    The owner of a restaurant wanted to open a second establishment and needed funding to fit out. The bank was not interested in helping. Typical monthly revenue for them was $50K and they were able to borrow $66K for 24 months. The turnaround time was 8 hours.
    Restaurant Owner
    A business coach was looking to invest in the health as well as beauty company. With just under $12K in monthly revenues the company borrowed $24K over 24 months. This only required 12-month bank statement and was completed in less than 8 hours.
    Business Coach
    An interior designer saw an opportunity to increase the size of their company and required working capital to finance the growth. With an annual revenue of $300K they borrowed $250K over 24 months. Their turnaround time was only two days and all they had to provide were 12 months worth of banking statement along with IRD confirmation and trust deed.
    Interior Designer
    The proprietor of a small grocery store that earned $70K per month borrowed $76K over a 24 month period, with no payments during the initial 4 weeks. This had a requirement of 12 months' bank statements. Turnaround time was just 6 hours from submitting the application to receiving the funds.
    Grocery Store Small Business Loan

    The lending landscape has changed

    With banks and traditional lenders tightening credit conditions, the steady stream of alternative and non-bank loan providers entering the market offers the perfect source to take advantage of.

    Glenfield SME’s are now being able to get finance from other lenders in Glenfield who are focused on enabling company expansion or smoothing out cash flow challenges. The past was when individual credit providers (drawing equity from a house loan or credit cards, personal loans and credit cards) was the sole alternative funding services available in Glenfield that were available.

    There is now not a need in the present to rely on real estate to secure company lending. With an unsecured loan business financing is easy. Instead of a traditional term loan from a bank, business finance for a small business with interest rates and loan terms that help with cash flow are around as business credit options.



    High level summary

    Separate personal and business debt

    There are numerous benefits with the separation of personal and company debt.

    • Your home or other investments, aren’t tied up in order to access funds
    • The company stands in more favourable position to build its own credit history
    • It is much more straightforward at tax time
    • Businesses can easily assess, monitor and plan based on the ability to clearly examine their cash flow status

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

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your personal and business assets separate is that your home isn’t tied to the funds. In the case of a business loan within Glenfield up to $100K the security of assets won’t be required as long as the borrower is able to meet the loan requirements.

    Credit history

    Businesses will be in a advantageous long-term situation if they can show good credit and debt ability to service.


    It is crucial to separate personal from company finances makes it much more straightforward with regards to tax time, especially when it comes to determining the tax deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has outlined the guidelines on the proof required in order to deduct deductions from the tax return of a company. This is an area where the IRD has advised specifically on.

    Cash flow

    A well-organised cash flow management system is crucial to the long-term survival for any company. By keeping your personal finances and company finance separate, companies can easily view their cash flow, plan and monitor it based on their ability to easily examine their cash flow.

    I can now take time off knowing that I am confident that my Glenfield business will run well.
    Local Business Owner
    I'm now able hire an specialist marketer to take my company to the next stage of business growth.
    Growing Business
    I'm able to get my tax back on track.
    Small Business Owner
    I'm now able fund the construction of our modern Glenfield resturant without having draw cash from other restaurants.
    Glenfield Resturant Owner
    I'm now able to prepare the coffee I serve my clients with the best equipment.
    Cafe Owner
    Business loans, especially an unsecured business loan or line of credit for business financing require to not become a stressfull procedure. Finance for a business in the shape in the form of small business loans with an interest rates and repayment period that is suitable for your company liquidity.
    Business Lenders for Business Goals
    Business business loans, interest rates and repayment terms, as well as flexible repayment options to fit the requirements of your company requirements.
    Business Lending Options
    A simple loan application process with a large loan limit, with minimal credit criteria and no requirement to create a business plan. Don't use your personal credit card or business credit cards in order to finance your business.
    Unsecured Loans Made Simple
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Glenfield Small Business Loans

    Tell me more about Glenfield Small Business Loans

    Glenfield unsecured loans provides amounts of between $5,000 and $100,000. Terms range from 3 and 24 month and cash flow-friendly repayments that are either per day or weekly.

    What is how is the Unsecured Loan different from the traditional company loan?

    It is imaginable to apply to get this Small Business Loan in under 10 minutes on the internet or over the phone. You’ll get an immediate response, and funds may be in your account in 24 hours. Traditional company loans reference an annual rate of interest along with other charges and fees. The company loan is a loan that is priced upfront which means you be aware in advance of the amount you will have to pay, including any fees, charges or charges. Then, it is divided into weekly or daily repayment figure.

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

    The Small Business Loan can be used for virtually every company reason, such as cash flow management, business improvements, advertising, to purchase inventory or new equipment, to fund general working capital, and much more. The loan is not available for personal use.

    About larger Glenfield Business Loans

    What is the Larger Glenfield Business Loan?

    The Larger Business Loan is a larger loan size to support business expansion opportunities. Loans are between $100,000 and $500,000 with a term fixed that can last up to 36 months. Repayments are scheduled weekly or fortnightly to work with the flow of cash.

    How is the Origination Fee determined?

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

    Do I qualify for the Larger Business Loan?

    To qualify for a loan in this amount, your business needs to be operating for at least three years, and have an annual income of $700,000. It is necessary to be a New Zealand Citizen (or Permanent Resident) at least 18 years old, own a New Zealand company (with a valid NZBN/IRD) and be able to prove at least 12 months of trading.

    How can the funds be used for?

    A Larger Business Loan is a great option for almost any business purpose including business remodeling, buying inventory or new equipment as well as for general working capital and so much more. The loan cannot be used for personal reasons.

    Is the Larger Business Loan one that requires security?

    Asset security is required for funding of more than $150,000. It’s by way of charge on assets and can include the registration of this on the PPSR or the registration of as a caveat.

    A director’s or personal guarantee is a promise to pay off a credit line that is general in nature, rather than stipulating security over a particular asset. The person who is signing the ensure is personally accountable if the business lender is not able to repay the debt.

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

    The caveat can be described as a formal form of document to provide the legal claim to a property.

    What exactly is a preapproval without Credit Check?

    If you’re applying for an enterprise loan of more than $250K we may be able to provide an initial pre-approval that will help smooth out the process. It is possible to get this done without a credit check and within six hours of your initial application. The pre-approval is based upon an initial assessment, which involves you answering a few financial well-being questions. It’s in no way an offer, nor is it a guarantee of financing. The approval of a conditional loan is subject to an extensive credit evaluation and any offer that you are offered could be subject to different terms.

    The application process

    Do I qualify for funds?

    You are eligible to apply for a company loan if you

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

    How do I apply?

    The application process is quick and simple. Complete the online form within a few minutes and a dedicated company lending specialist will call you to guide you through the process.

    For a loan of up to $100,000, you’ll require ID details (valid Driver’s License), an NZBN/IRD that is valid and at least six months of bank statements.

    In addition, for larger loan sizes, you’ll also require:

    $100K-$250K: Details of application, including credit approval, 6-12 months of IRD statements, bank statements (if credit is over $150K).
    $250K – $500K: Information on the application including credit consent twelve months bank statement, an IRD statement and the last two years’ finalised financial statements, and interim financial statements for the current year including Aged Payables, Aged Receivables Summary.

    How fast will I get an answer?

    For an unsecured loan ($5K up to $100,000) we can often provide a response in one hour if you make your application in standard company time and you allow us to utilise the bank verification system link to immediately verify your bank account information online. If you choose to upload copies of your banking statements , we are able to offer an answer in as little as one company day.

    For Larger Business Loans ($100K to $500K) we could be likely to provide you with conditional pre-approval within about six hours. Once you’ve signed the pre-approval form, it will take approximately 2-3 days to receive final approval, however it could be faster based upon the circumstances for each application. Certain transactions have received approval within 24 hours.

    The quickest way to apply would be to ensure you apply during normal company hours. Also, allow us to use our advanced bank verification system link to check your bank’s information online. If you upload copies of your bank statements it will take a little longer.

    What is the time frame to receive the cash?

    For the Small Business Loan ($5K and up) We can usually offer an answer within one hour – as long as you apply during normal business hours and let us use the bank verification system link to instantly verify your bank’s information online. If you choose to submit copies of your bank statements we can offer a decision within the span of one business day.

    If you are applying for Larger Business Loans ($100K and up) We may be in a position to offer you with conditional pre-approval within six hours. Once you have signed the pre-approval form, it will take around 2-3 days for final approval, however this can be faster depending upon the circumstances for each application. Some deals have been approved in 24 hours.

    The quickest method would be to make sure you apply during normal business hours, and allow us to use the advanced bank verification system link to instantly verify your bank information online. If you decide to upload documents from your account statement, it takes a bit longer.

    What is the maximum amount I can borrow?

    We provide loans ranging from $5,000 to $500,000. If you apply for a certain amount we look at a variety of elements for determining what is the well-being of the company as well as the amount of payments your company will be able to support. The total amount of the loan will be determined by the particular circumstances for your company.

    When you submit an application for a specific amount we take into consideration a variety of elements to assess how much we can lend you such as well-being for your business as well as the amount of the repayments your company can afford. The amount you receive from your loan will be determined by the particular circumstances the company.

    Fees & repayments

    How much should you charge for an company loan?

    When you make an application for business loans with us business credit, we’ll assess the risk profile the company and offer you with a customised offer including the loan amount, the terms and interest rates. A company loan is a loan that is priced upfront so you will know the exact amount you will have to pay, including costs, fees, or interest rates.

    What determines the rate that I’m charged?

    The interest rates on company loans rates vary due to factors including the amount of money borrowed, the business assets the money will be used for as well as the field the company is in, how long the business has been operating and what percentage of the business has sufficient cash flow to cover the loan, and also the general health or financial standing of the company.

    What are the fees?

    There are no hidden costs with our company loans. You’ll know exactly how much it is that you be required to pay, and at what time, from the very first day. There’s not any compounding interest and no additional fees (as long as you are able to make your payments punctually).

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

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

    Can I pay off the loan earlier?

    You can repay the total amount of your loan at any point in time.

    If you are deciding to take this route, please speak to our friendly company credit specialists. The professionals will provide you with details on repayment along with an early payout estimate. It will be calculated using the total of the remaining principal amount and accrued interest to the date of early payout and 1.5 percent of the principal remaining as well as any outstanding fees.

    What is the process for repayments?

    To ensure you do not miss payment dates and to align your cash flow cycle we provide repayments either weekly or daily. These are automatically deducted from the nominated company account.

    Security & privacy

    Will my information be protected?

    Security of your data, and knowing the ways we gather data, process, exchange and safeguard your data, is crucial and a vital 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 sensitive, personal as well as financial data. Our funders are ISO 27001 qualified for our dedication to security for our customers and security. We use an advanced banking verification system to immediately verify your bank account information online to offer rapid response.

    About business loans

    What’s an asset-based borrow (a secured loan)?

    Asset-based borrowing is when a business owner makes use of assets they own to get the loan. The asset can be an individual asset, such as the family home, or an business asset such as a truck as well as a piece of machine.

    The vast majority of banks, including the largest banks, are inclined to secure loans against an asset. If you’re struggling to pay back the loan, then your assets could be transferred to the lender. In essence it is a way of securing new financing by taking advantage of the value of what you already have.

    Are I require security to get an company loan?

    Up to $150,000 in loans there is no requirement for asset security prior to the loan’s access, however we require a personal guarantee. need a personal guarantee. So long as you comply with the terms of your loan (as detailed in your loan contract), asset security is not needed. For loans over $150,000 generally, there is personal guarantee and security is provided in the form of the charge of assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites or auction houses
    • Debt purchasers & debt collection agencies
    • Direct marketing such as telemarketing, fundraising, mail order, direct-mail etc
    • Finance institutions and lenders
    • {Firearm businesses
    • Foreign currency exchange services
    • Freight forwarding and customs clearing houses
    • Business involved with gambling
    • Non-profit organisations such as charities, churches etc.
    • Panel beaters & smash repairers
    • Pawnbrokers or pawn shops
    • Property development
    • Shares, stockbrokers and investment businesses
    • Tattoo studios
    • Taxi and ridesharing services
    • Entertainment sales or ticket resellers
    • Tow truck services
    • Secondhand car dealers
    • Automotive glass tintingservices
    • Vehicle dismantlers

    Although we can’t help with an unsecured business loan for those industries, we might be able assist 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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