Unsecured Business Loans Golflands NZ

In The Next Few Hours, You Could Have Everything You Need to Be Successful By Obtaining a Golflands Business Loan

Unsecured Business Loans Golflands

A Golflands unsecured business loan is simple and quick in applying for. Get a quick apporval and use the money to grow your business.

  • Could additional funds assist your business with working capital or to take advantage of the opportunity for growth?
  • What are the very best ways to finance your business needs?

What to expect:

  • Easy to apply and get approved and the funds will be available as early as tomorrow
  • Optionally , no reayments during the first 4 weeks
  • Amount of loan from $5k up to $500K
  • Terms ranging from 3 to 36 month
  • Competitive interest prices
  • Minimal docs needed

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

I am now able to take time off knowing that it is safe knowing that Golflands business will run without a hitch.
Local Business Owner
I am now able to make coffee for my customers using the very best equipment.
Cafe Owner
A seamless loan application process that comes with a high limit on borrowing, no requirements for credit, and no need to submit a business plan. Stop using your personal credit card or business credit cards as a way to finance your company.
Unsecured Loans Made Simple
Business loans, specifically one that is an unsecured business loan or line of credit to business funding need never be an difficult process. Business finance in the form of small business loans with an interest rate and repayment schedule that is suitable for the needs of your business cash flow.
Business Lenders for Business Goals
I'm now able employ a marketing expert to take my business to the next step.
Growing Golflands Business
I'm now able to finance the remodel of our brand newly constructed Golflands resturant without having to borrow cash from other restaurants.
Golflands Resturant Owner
Business credit rates and repayment conditions, and flexible repayment options to fit what your business needs.
Business Lending Options
I can get my tax back on track.
Small Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for the company financing within Golflands with us is easy and takes just a few minutes, no mountains of paperwork or queues.

Be approved and receive your funds in 1 – 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We aim to help Golflands businesses of all sorts small, medium even soloprenuers to get access to funding fast so they can use the loan to expand and develop.

  • It starts with an easy online application, or phone call
  • Flexible repayment terms that can be tailored to your business
  • Fast funding within a day or two days
  • A team of people who want for you as well as your company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The criteria for eligibility for an unsecured business loan in Golflands of between $5K and $100K are fairly minimal.

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

Need more funds? Review the guidelines for eligibility for our $100K to $500K company loans.

Here's How Others Have Benefited

Examples of Business Loans

A gym that had been going for nearly 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 for the loan and it was ready in only 24 hours.
A plumber who's been in business for 3 years with $80K in monthly sales was looking for more funding. They took out $153K on the course of 36 months. The only thing needed to be provided was 12 month bank statements as well as confirmation from the IRD. The process was complete within just a few hours and the plumber received their additional working capital in their account in a matter of hours.
An interior designer saw an opportunity to expand their company and needed working capital in order to finance this growth. With an annual revenue of $300K they borrowed $250K over the course of 24 months. The time to turn around for them was only 2 days, and all they had to provide is 12 months' worth of Bank statement along with IRD confirmation and trust deed.
Interior Designer
A restaurant owner wanted to open a second restaurant and needed funds for the fit out. Their bank wasn't interested in helping. Their typical monthly earnings was $50K, and they were able borrow $66K over 24 months. The turnaround time was just 8 hours.
Restaurant Owner
A company coach was looking to invest in an well-being and beauty company. With a little over twelve thousand dollars in monthly income they borrowed $24K in 24 months. This only required the submission of 12 months' bank statements and was completed in less than 8 hours.
Business Coach
Simple eligibility checklist

Larger Golflands Business Loan Eligibility Criteria

The requirements for eligibility to be eligible for larger Golflands business loans of between $100K to $500K comprise:

  • Minimum of 3 year’s experience in business
  • A minimum of $700K annually in income
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for evidence of identity
  • Use a New Zealand bank as your main trading account
  • Bank statements from the last 6 months
  • Certain financial statements, such as Profit & Loss and Aged Accounts Payable and Receivable

Are you looking for a lower amount of money? Look over the eligibility requirements for our $5K to $100K Golflands unsecured company loans.

Business Lending for a Cash Injection

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

A Golflands unsecured loan is perfect to use for every business reason. Contact us now.

  • Remodel or expand a commercial premises
  • Hire more staff for busy periods
  • Grow stock quantities to keep pace with demand
  • Make a brand new website or boost your marketing
  • Put money into new equipment, tools or technology
  • Buy extra stock to meet the seasonal demand
  • Manage cash flow fluctuations
  • Plus many more …

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

Quick application checklist

What do you need to apply

All that is needed to get started is your contact details (company name and your name, as well as email and phone) and the amount you want to borrow, and your monthly earnings.

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

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

Additionally after we get started with loans over $150,000 you’ll need 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

    After purchasing a pizza shop and two liquor stores six to 12 months prior, the new owners were seeking more funds. The total revenue of the two stores was more than $500k per month. They were able to obtain $300K. This was then split as $100K per store on two different 24 and 36 month terms. No security over the owners houses was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    A restaurant owner wanted to open a second location and needed funds for the installation. Their bank was not interested in helping. The average monthly income for them was $50K, and they were able to borrow $66K for 24 months. Turnaround was only 8 hours.
    Restaurant Owner
    A gym that was going for nearly 3 years decided to increase its size and needed more equipment. With an average monthly revenue of $37K they borrowed $72K over a month period. No security was required to secure the loan. It was settled within just 24 hours.
    The proprietor of a small grocery store doing $70K a month borrowed $76K over a 24 month term with no repayments during the initial 4 weeks. This was contingent on 12 months of bank statements. Turnaround time was just 6 hours from the moment you applied to receiving the funds.
    Grocery Store Small Business Loan
    A company coach was looking to invest in a well-being and cosmetics business. With just under $12K in monthly revenue the company borrowed $24K over 24 months. The loan was based on twelve months worth of statements and was done in 8 hours.
    Business Coach

    The lending landscape has changed

    With traditional lenders and banks increasing their credit requirements and the constant stream of alternative and non-bank loan providers that are entering the market offers an excellent source to take advantage of.

    Golflands SME’s are now able to access finance through alternate lenders servicing Golflands who are focused on facilitating business expansion or smoothing out problems with cash flow. In the past personal credit sources (drawing equity from the home loan, or using credit cards and personal loans as well as overdrafts) was the sole alternative financing services in Golflands that were available.

    There’s an end to the need of having to rely on real estate to secure company loans. With an unsecured loan, business financing is easy. Instead of a term loan through banks, business finance for a small company with interest rates and loan terms that aid in cash flow are available as business loans.



    High level summary

    Separate personal and business debt

    There are numerous benefits with separating personal and business debt.

    • Your home or other investments, aren’t tied up to allow access to funds
    • This business is in a much better position to build its own credit history
    • It’s considerably more straightforward for tax time
    • Companies can quickly view their cash flow, monitor and plan based on their ability to clearly assess their cash flow position

    Lower your risks, make tax time much easier. Get started with an unsecure busines loan. Apply today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your personal and business assets separate is that your house does not have to be tied to the funds. For a modest business loan within Golflands up to $100K asset security won’t be required as long as the borrower fulfills the loan requirements.

    Credit history

    Companies will be in a stable long-term position when they can demonstrate good credit/debt capacity to pay.


    Separating personal and business finances makes it significantly more straightforward in the event of tax time - especially when it comes to determining the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has set out requirements for evidence to be able to claim deductions on a business’s tax return. This is an area where the IRD has specifically advised on.

    Cash flow

    A well-organised cash flow management system is essential to the long-term survival for any business. Through keeping the personal financial and company finances separate, businesses can easily view the situation, track and plan based on the ability to clearly examine their cash flow.

    I'm now able to go on a holiday knowing I am confident that my Golflands company will run well.
    Local Business Owner
    Business loans, particularly an unsecured unsecured business loan or line of credit to business funding require to not become a tense process. Business finance can be in the form in the form of small business loans that have an interest rate cost, and with a repayment term that will suit the requirements of your company liquidity.
    Business Lenders for Business Goals
    I'm able get my tax back to keep me on track.
    Small Business Owner
    Simple loan application procedure with a huge borrowing limit, minimal credit criteria and there is no need to submit a business plan. Don't use your personal credit card or business credit cards in order to fund your business.
    Unsecured Loans Made Simple
    Business loan interest rates and repayment conditions, and flexible repayment options that can be tailored to your company needs.
    Business Lending Options
    I'm now able hire a marketing professional to help me take my company to the next stage of business growth.
    Growing Business
    I am now able to make the coffee I serve my clients using the best equipment.
    Cafe Owner
    I'm now able fund the renovation of our fresh Golflands resturant without having to borrow cash from other resturants.
    Golflands Resturant Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Golflands Small Business Loans

    Let me know what you think of the Golflands Small Business Loans

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

    How is what makes the Unsecured Loan different from an traditional business loan?

    It is possible to apply for this Small Business Loan in under 10 minutes over the phone. You’ll get an immediate response, and the money could be in your account within 24 hours. Traditional business loans are based on an annual interest rate together with additional fees and charges. We offer a business loan is a cash-based loan therefore you’ll be aware of the total amount payable including any interest, fees or charges. This is then divided into a daily or weekly payment amount.

    What can be the Small Business Loan be used for?

    The Small Business Loan can be used for nearly every business purpose including the management of cash flow, company improvements, advertising, to purchase inventory or new equipment, to fund general working capital and so much more. The loan is not available for personal use.

    About Larger Golflands Business Loans

    What is the Larger Golflands Business Loan?

    The Larger Business Loan is a larger loan size to support business growth opportunities. Loans range between $100,000 and $500,000 with a term fixed with a maximum of 36 months. Repayments are scheduled weekly or fortnightly, depending on your cash flow.

    How is the Origination Fee determined?

    A Larger Business Loan has an Origination Fee, calculated at 2.5% of the loan amount.

    Am I eligible for the Larger Business Loan?

    To be eligible for a credit in this amount, your business needs to be in operation for at least 3 years and generate an annual revenue of $700K. You must be a New Zealand Citizen (or Permanent Resident) who is over the age of 18, own a New Zealand company (with a valid NZBN/IRD) and be able to demonstrate at the least 12 months of operating.

    What can I use the funding for?

    A Larger Business Loan can be used to fund almost every business need, including business improvements, purchasing equipment or inventory, as general working capital, and much more. The loan cannot be used to fund personal expenses.

    Is the Larger Business Loan a secured loan?

    Asset security is necessary for accessing funds over $150,000. It is usually as a result of an charge on assets, and may include registering this through the PPSR or filing as a caveat.

    A director’s or personal guarantee is a guarantee to repay credit that is generally in nature rather than stipulating security over a particular asset. The person signing the guarantee is personally liable in the event that the business borrower is unable to re-pay the debt.

    The Personal Property Securities Register (PPSR) is an online central register that is operated by the New Zealand Government. It lists security interests that are registered in respect of personal property (including goods or assets). The PPSR permits the priority of personal property assigned in accordance with the date on which a security interest was registered.

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

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

    When you’re applying for the Larger Business Loan of $250,000 or more we can offer an initial pre-approval in order to smooth out the process. It is possible to get this done without a credit verification and within six hours of your initial application. This pre-approval is based on an initial evaluation that involves you answering a few financial health questions. It’s not an offer of credit or guarantee of financing. A conditional approval is subject a full credit assessment and any offer you are offered could have 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 18 years or older, own a New Zealand business (with a valid NZBN/IRD)
    • you must prove at least 6 months of trading (for a unsecured loan $5K – $100K) or three years of trade (for the Larger Business Loan $100K up to $500K)

    How do I apply?

    The process for applying is fast and simple. Complete the online form within a couple minutes, and a dedicated company lending specialist will call you to assist you.

    For a loan of up to $100,000, you’ll need the right identification documents (valid Driver’s Licence) along with an NZBN/IRD that is valid and at least six months worth of bank statements.

    For larger loan sizes, you’ll require:

    $100K to $250K: Application details including credit approval, 6-12 months of IRD statements, bank statements (if loan above $150K).
    $250K-$500K: Details of the application, including credit consent twelve months of bank records, IRD statements as well as the two most recent years’ financial statements, and interim financial statements for the current year, Aged Payables and Aged Receivables Summary.

    How quickly will I receive a decision?

    For an unsecured loan ($5K up to $100,000) we usually provide an answer within one hour if you apply during quality company times and you allow us to use the advanced bank verification system to instantly verify your bank details online. If you opt to submit copies of your bank statement, we’ll provide the decision in just 1 company day.

    For Larger Business Loans ($100K up to $500,000) we could be capable of provide you with a conditional pre-approval within six hours. After you’ve signed your pre-approval document, you will need to wait around 2-3 days for final approval, however this can be quicker based on the particular circumstances of each application. Some transactions have received approval within just 24 hours.

    The most efficient method can be make sure you apply during normal business hours. You can also allow us to use the modern bank verification link to verify your bank information online. If you choose to send us documents from your account statement, it takes a bit longer.

    What is the time frame to receive the money?

    For the Small Business Loan ($5K to $100K) We can usually offer an answer in just one hour – as long as you make your application within standard business time and permit us to make use of the advanced bank verification system link to immediately verify your bank account information online. If you opt to submit copies of your bank statements, we’ll be able to offer an answer in just an business day.

    If you are applying for Larger Business Loans ($100K up to $500,000) we could be in a position to provide you with conditional pre-approval in around 6 hours. Once you’ve signed your pre-approval, the turnaround time is around 2-3 days for 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 fastest method can be ensure you apply during normal business hours, and permit us to use the sophisticated bank verification link to verify your bank account information online. If you send us the copies of bank statements it can take a bit longer.

    How much can I borrow?

    We provide loans that range from $5,000 to $500,000. When you submit an application for a certain amount we will consider a number of variables to determine your health of your business and the amount of the repayments your business can support. The total amount of your loan will depend on the specifics the business.

    When you make an application for a certain amount, we look at a range of elements to determine the well-being of your business and the extent of repayments that your business can afford. The total amount of the loan will be determined by the particulars that are unique to your business.

    Fees & repayments

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

    When you request business loans with us business financing, we will assess the risk assessment of your company and offer you with a customised offer including the amount of the loan, the duration and interest rates. A company loan is an upfront priced loan therefore you will be aware in advance of 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 differ based on various factors like the amount of money that is borrowed, what company assets the money are used to purchase, the industry the company is in, how long the business has been operating and how long the company has enough cash flow to support the loan, and overall health or financial standing of the business.

    What are the charges?

    There aren’t any hidden charges for our business loans, and you’ll be aware of the amount you need to pay, and when, from day one. There’s no compounding interest and there are no additional charges (as long as you make your payments in time).

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

    The Origination Fee covers the expenses involved with setting up and managing the loan. The only way to pay this fee if you choose to proceed with the loan. Our Origination Fee is 2.5% of the amount of the loan.

    Can I pay out the loan earlier?

    You can decide to repay the total amount of your advance loan at any time.

    If you are deciding to take this route, please talk to one of our helpful company loans specialists. They’ll provide you with repayment details as well as an early payout amount. The figure will be calculated as the total of the remaining principal amount and the accrued interest up to the time of the early payout in addition to 1.5 percent of the principal amount remaining as well as any outstanding fees.

    How do repayments work?

    To ensure that you don’t miss payments and to work with your cash flow standard, we offer repayments that are either weekly or daily. These are automatically withdrawn from the nominated company account.

    Security & privacy

    Will my information be secure?

    The security of your personal information, as well as knowing how we collect, use, exchange and ensure the security of your information is vital and is a crucial part of our relationship you.

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

    Yes. We employ industry-recognised encryption standards to protect your sensitive, personal financial and other data. Our funders are ISO 27001 certified for our dedication to security for our clients and security. We utilise a sophisticated bank verification system link to immediately verify your bank account details online, allowing us to provide a fast response.

    About business loans

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

    Asset-based borrowing is when the business owner utilises assets they own to secure a loan. The asset could be an asset belonging to the personal, like the family home or a company asset like a truck as well as a piece of machine.

    The majority of the lenders not just the major banks, prefer to guarantee loans against an asset. If you have trouble paying back the loan, the asset might be transferred to the lender. In essence, it’s means of securing new financing taking advantage of the value of what you already own.

    What do I need security to secure a business loan?

    For loans that exceed $150,000, the requirement for asset security is not required upfront to access the money however, we do need the personal guarantee. As long as you follow your loan commitments (as detailed in your loan contract document), asset security will never be needed. For loans that exceed $150,000, generally, there is personal guarantee and security in the form the charge of assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction houses and auction websites
    • Debt collection firms & debt purchasers
    • Direct marketing including direct-mail, mail order, fundraising, telemarketing etc
    • Finance institutions & lenders
    • {Firearm related businesses
    • Foreign currency exchange services
    • Freight forwarding & customs clearing houses
    • Gambling related industries
    • Not-for-profit organisationsincluding charities, churches etc
    • Smash repairers and panel beaters
    • Pawnbrokers and pawn shops
    • Property developers
    • Shares, stockbrokers or investment businesses
    • Tattoo studios
    • Ridesharing & taxi services
    • Entertainment sales or ticket resellers
    • Tow truck services
    • Secondhand car companies
    • Vehicle glass tintingservices
    • Car wrecking yards

    Although we cannot assist with an unsecure business loan in these industries, we may be able to assist with the secured business loan.

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

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    Apply Now

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    0800 102 591

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