Unsecured Business Loans Glenside NZ

By This Tomorrow You Could Have Everything You Need to Be Successful With a Glenside Business Loan

Unsecured Business Loans Glenside

A Glenside unsecured business loan is easy and quick to obtain. Apply for a loan quickly and begin using the money in your business.

  • Would extra funds help your business by allowing you to work capital or to take advantage of a growth opportunity?
  • How are you financing your company needs?

What to expect:

  • Easy to apply and get approved and the funds will be around as early as tomorrow
  • No reayments are permitted in the first 4 weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3-36 months
  • Competitive rates of interest prices
  • Minimal documentation required

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

I'm now able to prepare beverages for clients with the best equipment.
Cafe Owner
I can now fund the remodel of our brand new Glenside resturant without having to borrow cash from other restaurants.
Glenside Resturant Owner
I'm now able hire a marketer to help me take my company to the next level.
Growing Glenside Business
I can get my tax back on time.
Small Business Owner
Simple loan application procedure that comes with a high amount of borrowing capacity, a low requirements for credit and there is no requirement to submit a business plan. Stop using your personal credit card and business credit card to fund your business.
Unsecured Loans Made Simple
I'm now able to go on an extended vacation knowing that it is safe knowing that Glenside company will run effortlessly.
Local Business Owner
Business loans with interest rates and repayment terms as well as flexible repayment options to suit what your company requirements.
Business Lending Options
Business loans, specifically an unsecured unsecured business loan or line of credit to business funding require not be a difficult procedure. Business finance can be in the form of small business loans that have an interest rates and repayment term that will suit your company liquidity.
Business Lenders for Business Goals
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for a company financing in Glenside with us is simple and only takes some minutes, without lengthy forms or lines.

Get approved and receive your cash within one to two business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We aim to help Glenside businesses of all sorts small, medium even solopreneurs to access funding fast so they can take advantage of loans to expand and develop.

  • It all starts with a simple online application or phone call
  • Flexible terms for repayment to fit your company
  • Fast funding within a day or two
  • We want both you and your company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • A minimum of six months in business
  • At least $6,000 in income per month
  • Be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for proof of identity
  • Make sure you have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the last six months

Do you need more money? Find out the eligibility requirements for our $100K to $500K company loan.

Here's How Other People Have Benefited

Examples of Business Loans

An interior designer saw an opportunity to grow their business and needed working capital in order to finance this expansion. With an annual revenue of $300K they borrowed $250K over 24 months. The turnaround time was just 2 days and all they had for them to present is 12 months' worth of Bank statement IRD confirmation, as well as trust deed.
Interior Designer
A gym that had been in operation for more than 3 years wanted to grow and needed additional equipment. With a monthly turnover of $37K they borrowed $72K over a month period. No security was required to secure the loan. It was ready within just 24 hours.
After purchasing a pizza restaurant and two liquor stores six to 12 months earlier the new owners needed more funds. The total revenue of the two stores was more than 500K per month. They were able to borrow $300K, split out as $100K per store with two different 24 and 36 month terms. There was no security on the owners' houses was required.
Owner of a Pizza Store & 2 Liquor Stores
A restaurant owner wanted to open a second establishment and needed funding to remodel. The bank was not willing to help. The typical monthly income for them was $50K, and they were able to get a loan of $66K in 24 months. The turnaround time was 8 hours.
Restaurant Owner
A plumber who's operated their business for three years with the monthly revenue of $80K was in search of additional funds. They were able to borrow $153K over the course of 36 months. All they needed to be provided was 12 month bank statement and confirmation from the IRD. The process was complete within an hour and the plumber was able to access their working capital in their account soon afterward.
Simple eligibility checklist

Larger Glenside Business Loan Eligibility Criteria

The criteria for eligibility of loans from larger Glenside company loans of between $100K and $500K include:

  • Minimum of 3 years in business
  • At least $700K in annual income
  • Be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification
  • Use a New Zealand bank as your principal account for trading
  • Bank statements from the past six months
  • Some financial statements such and Profit & Loss, and aged accounts Payable and Receivable

Looking for a smaller amount of money? Take a look at the eligibility requirements for our $5K to $100K Glenside unsecured business loans.

Business Lending for a Cash Injection

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

A Glenside unsecured loan is great for almost every company use. Talk to us today.

  • Expand or renovate commercial properties
  • Hire more staff during busy times
  • Grow stock levels to keep pace with demand
  • Make a brand new website or boost your marketing
  • Put money into the latest equipment, tools or the latest technology
  • Make sure you have extra stock on hand to meet seasonal demand
  • Manage cash flow fluctuations
  • Plus many more …

Are you looking to start one of these as soon as tomorrow? Then get in touch with us or apply online now 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 and telephone) along with the amount you want to borrow, and your monthly revenue.

In the course of the process and before settlement we will need confirmation of who you are but not for starting:

  • Idenfication details (valid Driver’s Licence)
  • Business details including trading time, ownership details and NZBN (New Zealand Business Number)

Additionally after we get started in the process, for loans greater than $150,000 you will also need basic 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 company coach wanted to invest in an health as well as beauty business. With just over $12K in monthly revenues, they borrowed $24K over 24 months. This only required the submission of 12 months' bank statements and was completed in just 8 hours.
    Business Coach
    A gym that had been running for more than three years wanted to grow and was in need of additional equipment. With an average monthly revenue of $37K they borrowed $72K over a month period. The loan was not secured to secure the loan. It was ready within the span of 24 hours.
    The owner of a modest grocery store doing $70K a month borrowed $76K over a 24-month term with no repayments during the initial 4 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
    The owner of a restaurant wanted to open a second restaurant and required funds to remodel. Their bank wasn't interested in helping. The average monthly income for them was $50K, and they were able to get a loan of $66K in 24 months. The turnaround time was just 8 hours.
    Restaurant Owner
    The busy Christmas season was approaching, a clothing store required working capital in order to purchase more inventory and benefit from discounts from suppliers. They took out a loan of $20K over a period of 12 months without asset security required and had the money in just 24 hours.
    Clothing Store

    The lending landscape has changed

    With banks and traditional lenders tightening credit conditions and the constant stream of non-bank and alternative loan providers entering the market provides an incredible source for you to access.

    Glenside SME’s are now in a position to obtain finance via alternative lenders that service Glenside who are focused on enabling business growth or smoothing problems with cash flow. In the past individual credit providers (drawing equity from the home loan, or by using credit cards in addition to personal loans and the overdraft) was the sole alternative funding services within Glenside that were available.

    There’s there is no need in the present to rely on real estate to secure company loan. With an unsecured loan, business funding is made simple. Instead of a term loan with a bank, business finance for an SME with interest rates and loan terms that aid with cash flow are around as business lending options.



    High level summary

    Separate personal and business debt

    There are many advantages associated with separating personal and business debt.

    • Your home, or other investmentsaren’t tied to allow access to funds
    • The company has a better position to establish its own, clear credit history
    • It is significantly more straightforward at tax time
    • Businesses are able to easily review how they are performing, monitor and plan on being able to clearly assess their cash flow position

    Limit your exposure, make your tax time easier, get started with an unsecure busines loan. Apply today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your individual and company assets separate is that your house isn’t required to be tied for access to the money. For a small business loan in Glenside up to $100K an asset security agreement will not be required as long as the borrower is able to meet the loan requirements.

    Credit history

    Companies are in a favourable long-term position if they can demonstrate good credit/debt capability.


    The separation of personal as well as company finances makes it significantly more seamless in the event of tax time, particularly when identifying what is the tax-deductible amount. The IRD has outlined the requirements for evidence in order to deduct deductions from an organisation’s tax return. This is a subject that the IRD has advised specifically on.

    Cash flow

    A well-organised cash flow management system is vital to the long-term survival for any business. Through keeping your personal finances and company finances distinct, companies can easily view, monitor and plan based on their ability to easily determine their cash flow status.

    I am now able to make espresso for customers with the best equipment.
    Cafe Owner
    Business business loans, interest rates and repayment terms, as well as flexible repayment options to fit your business needs.
    Business Lending Options
    I'm able to get my tax back on time.
    Small Business Owner
    I am now able to take time off knowing that I am confident that my Glenside business will run well.
    Local Business Owner
    Business loans, specifically those that are unsecured business loan or line of credit for business financing require never be an difficult procedure. Business finance is in the form of small business loans with an interest rate cost, and with a repayment term that is suitable for your company liquidity.
    Business Lenders for Business Goals
    I'm now able employ an expert marketer to boost my company to the next level of business growth.
    Growing Business
    I am now able to fund the renovation of our new Glenside resturant without having to borrow cash from other locations.
    Glenside Resturant Owner
    An easy loan application process with a generous limit on borrowing, no credit criteria and there is no need to provide a business plan. Don't use your personal credit card and company credit cards as a way to fund your company.
    Unsecured Loans Made Simple
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Glenside Small Business Loans

    Let me know about the Glenside Small Business Loans

    Glenside unsecured loans offers the range of $5,000 to $100,000 with terms between 3 and 24 months, cash flow-friendly repayments that are either per day or weekly.

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

    Apply to get this Small Business Loan in under 10 minutes on the internet or by phone. You will receive an instant response and have the funds on your account within 24 hours. Traditional company loans are based on an interest rate per annum as well as other fees and charges. The company loan is a pre-paid loan which means you know in advance the total amount to be paid, including any fees, charges or charges. This is then divided into a daily or weekly amount to be paid back.

    What can the Small Business Loan be used for?

    A Small Business Loan can be used for nearly any company need, such as the management of cash flow, business improvements, advertising to purchase inventory or new equipment, to fund general working capital and much more. The loan is not available for personal reasons.

    About the Larger Glenside Business Loans

    What is the Larger Glenside Business Loan?

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

    How’s the Origination Fee determined?

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

    Can I get the Larger Business Loan?

    In order to be eligible for a loan in this amount the company needs to have been operating for at least three years and have an annual turnover of $700K. Your business must belong to a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old and have a New Zealand company (with a valid NZBN/IRD) and be able demonstrate at the least 12 months of operating.

    How can the funding be utilised?

    A larger business loan can be used for nearly every business need, including business improvements, purchasing new equipment or inventory as well as for 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 required to obtain funding above $150,000. This can be done in the form of a charge against assets, which could also be registered in the PPSR or registering as a caveat.

    A personal or director’s guarantee is a promise to repay a loan which is generally based rather than stating security over a particular asset. The person who is signing the guarantee is personally accountable if the company lender is not able to pay back the debt.

    The Personal Property Securities Register (PPSR) is an online central register that is operated by the New Zealand Government. It contains security interests registered in respect of personal property (including objects or assets). The PPSR gives prioritisation over property that is personal to be granted depending on the date that a security interest has been registered.

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

    What is a pre-approval that does not require Credit Check?

    If you’re requesting a Larger Business Loan that exceeds $250K, we may offer an initial pre-approval in order to ease the process. We might be able to make this decision without credit checks and within 6 hours of the initial application. This pre-approval is made based on a preliminary assessment which includes you answering some financial well-being checks. It is not an offer or guarantee of funds. Unconditional approval is subject to an extensive credit evaluation and any offer that you might receive could have different terms.

    The application process

    Do I have the right to receive funds?

    You can apply for an business loan if you:

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

    How do I apply?

    The application process is simple and easy. Complete the online form within a couple minutes, and an experienced company expert in lending will be in touch to help you.

    For a loan of up to $100,000, you’ll require proof of identity (valid Driver’s License) as well as an active NZBN/IRD, and at least 6 months’ worth of bank statements.

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

    $100K – $250K: Application requirements, including credit consent, 6-12 months of bank statements, IRD statement (if credit is over $150K).
    $250K to $500K: Information on the application including credit consent, 12 months bank statement, an IRD statements Last 2 years’ finalised financial statements, as well as interim financials for the current financial year, Aged Payables and Aged Receivables reports.

    How fast will I get a decision?

    For an unsecured loan ($5K up to $100,000) we can often offer an answer within an hour, provided you apply during standard business times and allow us to make use of the advanced bank verification system to immediately verify your bank account information online. If you choose to upload copies of your banking statements , we’ll be able to provide a decision in as little as one business day.

    For Larger Business Loans ($100K up to $500,000) we may be able to offer you with a conditional pre-approval in about six hours. After you’ve signed the pre-approval, the turnaround time is between 2 and 3 days for the final approval, however this may be quicker depending on the circumstances of each application. Certain agreements have been approved within less than 24 hours.

    The quickest method can be make sure you apply during normal business hours. You can also let us use the advance bank verification to verify your bank account information online. If you choose to upload documents from your account accounts, it will take a little longer.

    How soon will I receive the money?

    For the Small Business Loan ($5K or more) we can often offer a response in one hour – provided you submit your request within normal business times and you allow us to use the advanced bank verification system to immediately verify your bank account information online. If you choose to upload copies of your bank statements, we’ll be able to offer a decision in just 1 business day.

    If you are applying for Larger Business Loans ($100K or more) We may be capable of provide the conditional pre-approval in around 6 hours. After you’ve signed the pre-approval form, it will take around 2-3 days for final approval, however this could be shorter based on the circumstances of each application. Some offers have been approved within less than 24 hours.

    The most effective method is to ensure you apply during standard business hours and permit us to use the advanced bank verification system to instantly verify your bank account information online. If you opt to upload the copies of bank accounts, it will take a little longer.

    How much can I borrow?

    We provide the loan amount between $5,000 and $500,000. When you submit an application for a specific amount we look at a variety of aspects for determining what is the health of your company as well as the amount of repayments your company can support. The total amount of your loan will depend on the specific circumstances the company.

    When you apply for a particular amount, we take into consideration a variety of elements to determine how much we can lend you such as well-being of the company and the level of repayments that your business can afford. The amount you receive from your loan will be contingent on the particular circumstances for your business.

    Fees & repayments

    How much do you charge for an business loan?

    When you make an application for our company loan, we’ll assess the risk assessment the company and provide you with a customised proposal that includes the amount of the loan, the duration and interest rates. This company loan is an upfront-priced loan and you’ll know in advance the total amount payable including any interest rates, fees or charges.

    What determines the rate that I’m charged?

    The interest rates on company loans rates depend on a variety of factors including the amount borrowed, what business assets the funds are used to purchase as well as the field the business is operating in, how long the business has been operating, how long the business has sufficient cash flow to cover the loan, and also the general health or creditworthiness of the company.

    What are the charges?

    There are no hidden costs with our company loans. You’ll be aware of the amount 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 extra fees (as as long as you pay your payments punctually).

    We don’t charge an Application Fee. You are able to apply for a loan with with no upfront cost or obligation to proceed.

    The Origination Fee covers the costs associated in establishing and managing the loan. This is only a cost if you take out the loan. Our Origination Fee is 2.5 percentage of the amount of loan.

    Do I have the option of paying off the loan in advance?

    You can choose to repay all of your loan in full at any time.

    If you decide to pursue this option, please call our helpful company lending specialists. They’ll offer you with repayment details as well as an early payout amount. It will be calculated using the total of the principal balance and the accrued interest up to the time of early payout plus 1.5% of the remaining principal and any fees that remain unpaid.

    What is the process for repayments?

    To help you avoid missing repayments and to fit in with your cash flow routine, we offer repayments that are either weekly or daily. These are automatically withdrawn from your designated business account.

    Security & privacy

    Will my information be secure?

    Protecting your information, and being clear about the ways we gather data, process, exchange and protect your information, is of paramount importance and a vital element of our relationship with you.

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

    Yes. We utilise industry-recognised encryption standards to secure your sensitive, personal and financial data and our funders are ISO 27001 certified for our commitment to security for our clients and privacy. We make use of an advanced banking verification system to instantly verify the bank account details online to provide an immediate response.

    About business loans

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

    The term “asset-based” refers to borrowing where a business owner makes use of an asset they own to get a loan. The asset could be a personal asset like the family home, or it could be a business asset such as a vehicle as well as a piece of machine.

    The vast majority of banks, not just the largest banks, are inclined to guarantee loans against an asset. If you’re having trouble paying back the loan then your asset may be offered for sale by the lender. In essence it’s a way of securing additional financing using the value of what you already own.

    Should I require security to get a company loan?

    For loans that exceed $150K, there is no requirement for asset security before you are able to access the money However, we require a personal guarantee. require the personal guarantee. In the event that you fulfill your loan commitments (as detailed in your loan contract) the security of assets is not required. For loans over $150,000 generally, there is the option of a personal ensure and security in the form of the charge of assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites or auction houses
    • Debt collection firms & debt purchasers
    • Direct marketing such as direct-mail, mail order, fundraising, telemarketing etc
    • Finance institutions & lenders
    • {Firearm related businesses
    • Foreign currency exchange offerings
    • Customs clearing houses & freight forwarding
    • Anything gambling related
    • Non-profit organisations, charities, churches etc
    • Smash repairers and panel beaters
    • Pawnbrokers or pawn shops
    • Property developers
    • Stockbrokers, shares andinvesment businesses
    • Tattoo palours
    • Taxi or ride sharing services
    • Ticket resellers & entertainment sales
    • Vehicle towing services
    • Used car companies
    • Car glass tintingcompanies
    • Vehicle wrecking yards

    Although we can’t help with an unsecure business loan in these types of industries, we may be able assist by providing a secured business loan.

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

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    0800 102 591

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