Unsecured Business Loans Grey Lynn NZ

Today, You'll Be On The Right Track To Success WithThe Help Of a Grey Lynn Business Loan

Unsecured Business Loans Grey Lynn

A Grey Lynn unsecured business loan is easy and quick to obtain. Approve your loan in a matter of minutes and use the money in your business.

  • Would extra funds help your business in working capital, or to realise a growth opportunity?
  • What are the best ways to finance your company needs?

What you can expect:

  • Easy process to fill out to be approved and receive the funds will be around as early as tomorrow
  • No reayments are permitted in the first 4 weeks
  • From $5k to $500K in loans
  • Terms from 3-36 months
  • Competitive rates of interest prices
  • Minimal docs required

The eligibility requirements for an unsecured business loan within Grey Lynn are fairly minimal.

A seamless loan application process that comes with a high amount of borrowing capacity, a low requirements for credit and there is no requirement to present a business plan. Stop using your personal credit card and business credit card to fund your company.
Unsecured Loans Made Simple
I'm now able hire a marketer to increase the success of my company to the next level.
Growing Grey Lynn Business
I can now take time off knowing that I am confident that my Grey Lynn company will run well.
Local Business Owner
Business credit rates and repayment conditions, and flexible repayment options to meet you business requirements.
Business Lending Options
I'm now able make coffee for my clients with the best equipment.
Cafe Owner
I'm able to get my taxes back to keep me on track.
Small Business Owner
I'm now able to finance the fitout of our modern Grey Lynn resturant without having to pull cash from the other locations.
Grey Lynn Resturant Owner
Business loans, in particular an unsecured business loan or line of credit to business financing require never be an tense process. Business finance in the form in the form of small business loans with an interest rate cost, and with a repayment period that fits the requirements of your company liquidity.
Business Lenders for Business Goals
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for the business loans in Grey Lynn with us is easy and takes only a few minutes, no mountains of paperwork or queues.

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

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Grey Lynn businesses of all kinds, including medium, small and even solopreneurs access money quickly, so that they can take advantage of loans to build and expand their business.

  • It begins with an easy online application or a phone call
  • Flexible repayment terms to meet the needs of your company
  • Fast funding within a day or two days
  • A team that wants for you as well as your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The criteria for eligibility for an unsecured business loan in Grey Lynn of between $5K to $100K are quite minimal.

  • The minimum period of 6 months for which you must be in business
  • A minimum of $6,000 in revenue per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s License for evidence of identity
  • You should have an account with a New Zealand bank as your principal trading account
  • Bank statements from the previous 6 months

Do you need more money? Take a look at the conditions of eligibility for our $100K to $500K company loan.

Here's How Other People Have Benefited

Examples of Business Loans

The owner of a restaurant wanted to open a second establishment and required funds to installation. The bank they approached wasn't interested in helping. The typical monthly income for them was $50K. They were able to borrow $66K over 24 months. It took only 8 hours to get access to the funds.
Restaurant Owner
With the busy Christmas time nearing, a clothing store required working capital in order to fund extra inventory and to take advantage of a supplier discount. They took out a loan of $20K over a period of 12 months, with no asset security required and had the funds within 24 hours.
Clothing Store
An interior designer had spotted an opportunity to grow their business and needed working capital to finance this growth. With a monthly revenue of $300K they took out a loan of $250K for 24 months. Turnaround time for them was just 2 days and all they needed to present were 12 months worth of banking statement along with IRD confirmation and their trust deed.
Interior Designer
A gym that was running for more than three years decided to increase its size and needed more equipment. With a monthly income of $37K, they borrowed $72K over a month period. The loan was not secured and the loan was ready within just 24 hours.
Following the purchase of a pizza shop and two liquor stores six to to 12 months ago, the new owners were looking for additional funds. The total revenue of the two stores was more than $500K per month . The owners were able to obtain $300K, split out as $100K per store on two different 24 and 36 month terms. No security over the owners homes was required.
Owner of a Pizza Store & 2 Liquor Stores
Simple eligibility checklist

Larger Grey Lynn Business Loan Eligibility Criteria

The criteria for eligibility for loans from larger Grey Lynn company loans of between $100K and $500K consist of:

  • Minimum of 3 year’s experience in business
  • At least $700K in annual revenue
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Have an account at a New Zealand bank as your main trading account
  • Bank statements from the last 6 months
  • Some financial statements like Profit & Loss and the Aged Accounts Payable and Receivable

Looking for a smaller amount of funding? Check out the guidelines for eligibility for our $5K-$100K Grey Lynn unsecured company loans.

Business Lending for a Cash Injection

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

A Grey Lynn unsecured loan is great for almost every company reason. Get in touch with us today.

  • Add or remodel commercial properties
  • Staff expansion during busy periods
  • Increase stock quantities to keep up with demand
  • Create a new site or boost your marketing
  • Put money into new equipment, tools , or new technologies
  • Buy extra stock to meet the seasonal demand
  • Control cash flow fluctuations
  • Plus lots more …

Do you want to begin one of these projects as soon 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 you need for starting is your contact information (company name and your name, as well as email or phone number) as well as the amount you’d like to borrow and your monthly income.

During the process and before settlement we will require confirmation of your identity, but not for starting:

  • Information on Idenfication (valid Driver’s Licence)
  • Business details including trading time as well as ownership information and details of ownership and trading time, as well as NZBN (New Zealand Business Number)

Additionally after we get started with loans over $150,000 you’ll also require basic financial statements:

  • Profit & Loss 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

    The owner of a restaurant wanted to open a second restaurant and required funds to renovation. The bank they approached wasn't willing to help. Their typical monthly earnings was $50K. They borrowed $66K over 24 months. Turnaround was only 8 hours.
    Restaurant Owner
    With the busy Christmas time coming up, a store selling clothing needed additional working capital to fund extra inventory and benefit from discounts offered by suppliers. They borrowed $20K over 12 months without security for assets and received the money in just 24 hours.
    Clothing Store
    A plumber who has been in business for three years and has monthly sales of $80K was looking for more funding. They took out a loan of $153K for a 36 month term. All that was needed is 12 months worth of banking statements and confirmation of the loan's status with IRD. The procedure was completed within a day and the plumber had their extra working capital available in their account in a matter of hours.
    The proprietor of a small grocery store doing $70K a month borrowed $76K over a 24-month period with no repayments during the initial 4 weeks. This had a requirement of 12 months' bank statements. The time to turn around was just six hours from submitting the application to receiving the money.
    Grocery Store Small Business Loan
    Acquiring a pizza place and 2 liquor stores six to 12 months prior, the new owners were looking for more funds. The overall revenue was $500K per month and they could have borrowed $300K and split it into $100K per store with two different 24 and 36 month terms. No security over the owners houses was required.
    Owner of a Pizza Store & 2 Liquor Stores

    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 for you to tap into.

    Grey Lynn SME’s are now being able to get finance from alternative lenders who service Grey Lynn who are focused on enabling business growth or smoothing out cash flow issues. In the past, private credit options (drawing equity from a home loan, or using credit cards, personal loans and overdrafts) provided the most viable alternative financing services available in Grey Lynn that were around.

    There is now there is no requirement in the present to rely on using real estate to secure company credit. With an unsecured loan, business financing is now easy. Instead of a term loan with a bank, business finance for an SME with interest rates and loan terms that help to manage cash flow are around as business loans.



    High level summary

    Separate personal and business debt

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

    • Your home or other investment properties, aren’t held to allow access to funds
    • The company stands in stronger position to create its own, solid credit history
    • It’s much more seamless for tax time
    • Companies can quickly view, monitor and plan based on being able to clearly examine their cash flow status

    Lower your risks, make tax time much easier. Get started with an unsecure company loan. Make an application today.

    For those who like the detail

    Separate personal and business debt


    One major benefit of keeping your personal and business assets apart is that your house isn’t required to be tied to allow access to the funds. In the case of a business loan within Grey Lynn up to $100K asset security won’t be required as in the event that the borrower has met the loan requirements.

    Credit history

    Companies will be in a favourable long-term financial position if they are able to demonstrate credit/debt serviceability.


    Separating personal and business finances makes it significantly more straightforward in the event of tax time, particularly when determining what is the tax-deductible amount. The IRD has outlined the guidelines on the proof required in order to deduct deductions from the tax return of a company. This is a subject that the IRD has advised specifically on.

    Cash flow

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

    Business loans with interest rates and repayment terms, as well as flexible repayment options that can be tailored to the needs of your business needs.
    Business Lending Options
    I'm now able to prepare beverages for clients using the best equipment.
    Cafe Owner
    I am now able to take time off knowing that my Grey Lynn business will run well.
    Local Business Owner
    Business loans, particularly one that is an unsecured business loan or line of credit to business funding need to not become a tense procedure. Business finance is in the form in the form of small business loans at a fixed interest rates and repayment period that fits the requirements of your company cash flow.
    Business Lenders for Business Goals
    I can now hire a marketing specialist to help me take my business to the next level of business growth.
    Growing Business
    I can now fund the remodel of our brand newly constructed Grey Lynn resturant without having to pull cash from the other restaurants.
    Grey Lynn Resturant Owner
    I'm able to get my taxes back on track.
    Small Business Owner
    A straightforward loan application process with a generous amount of borrowing capacity, a low requirements for credit, and there is no need to present a business plan. Don't use your personal credit card or business credit card to finance your business.
    Unsecured Loans Made Simple
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Grey Lynn Small Business Loans

    Let me know more about Grey Lynn Small Business Loans

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

    What makes the Unsecured Loan different from the traditional company loan?

    It is possible to apply to this Small Business Loan in under 10 minutes via the internet or over the phone. You’ll get an instant response and funds may be available in just 24 hours. Traditional business loans are based on an annual rate of interest plus other fees and charges. Our business loan is an upfront priced loan therefore you’ll know in advance the total amount payable including any fees, charges or charges. Then, it is broken down into a daily or weekly repayment figure.

    What can be the Small Business Loan be used for?

    A Small Business Loan can be used for nearly any business use, including cash flow management, business renovations, marketing for purchasing inventory or new equipment, or as general working capital, and much more. The loan is not available for personal use.

    About Larger Grey Lynn Business Loans

    What is the Larger Grey Lynn Business Loan?

    The Larger Business Loan is a larger loan size to support company growth opportunities. Loans range between $100,000 and $500,000 with a fixed-term with a maximum of 36 months. Repayments are scheduled weekly or fortnightly in order to accommodate the flow of cash.

    How is the Origination Fee calculated?

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

    Can I get the Larger Business Loan?

    In order to be eligible for a loan of this size, your business needs to have been operating for at least three years and have 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 business (with a valid NZBN/IRD) and be able to demonstrate at minimum 12 months of continuous trading.

    What can the funding be used for?

    A large company loan can be used for almost all business purpose including company remodeling, buying new equipment or inventory as well as for general working capital and much more. The loan is not available to fund personal expenses.

    Is the Larger Business Loan one that is secured?

    Asset security is required to access funding over $150,000. It is usually by taking a charge against assets, and could include registering this with the PPSR or the registration of as a caveat.

    A director’s or personal ensure is a promise to pay off a credit line that is generally based rather than stipulating the security of a specific asset. The person signing the ensure is personally liable if the company lender is not able to make the repayment.

    The Personal Property Securities Register (PPSR) is an online, central registry run by the New Zealand Government. It contains security interests registered in respect of personal property (including goods or assets). The PPSR allows preference over private property assigned in accordance with the date on which a registration of a security interest.

    A caveat is a legal document that is filed to offer the public notice of a legal claim on a property.

    What is a pre-approval without Credit Check?

    When you’re applying for an enterprise loan of $250K or more we can offer an initial pre-approval in order to smooth out the process. It is possible to apply for this without a credit check and within 6 hours of your initial application. The pre-approval is based upon a preliminary assessment which includes answering a couple of financial health questions. This is in no way an offer, nor is it a guarantee of credit. Unconditional approval is subject to an assessment of your creditworthiness and any offer that you may receive may have different terms.

    Application process

    Do I qualify for funds?

    You may apply for an business loan if you

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

    How do I apply?

    The application process is simple and simple. Complete the online form in few minutes and an experienced company credit specialist will call you to guide you through the process.

    To apply for up $100,000, you’ll require the right identification documents (valid Driver’s License) along with an active NZBN/IRD, and at least six months of bank statements.

    For larger loan sizes, you’ll require:

    $100K – $250K: Information about the application including credit consent, 6 – 12 months of bank statements, IRD statement (if loan above $150K).
    $250K – $500K: Information on the application including credit consent, 12 month bank accounts, the IRD statement as well as the two most recent years’ financial statements, as well as interim financial statements for the current year, Aged Payables and Aged Receivables reports.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K and up) we typically provide a response in one hour, provided you apply during quality company time and allow us to utilise the bank verification system to immediately verify your bank account information online. If you want to send us copies of your bank statement, we’ll provide an answer in just 1 business day.

    For Larger Business Loans ($100K and up) we may be able to offer the conditional pre-approval in around six hours. After you’ve signed the pre-approval document, you will need to wait around 2-3 days for final approval. However, it could be faster based on the particular circumstances of each application. Certain transactions have received approval within just 24 hours.

    The fastest way would be to ensure you apply during standard business hours. Also, permit us to use the modern bank verification to confirm your bank details online. If you choose to upload duplicates of your banking statement, it takes a bit longer.

    How quickly will I receive the money?

    For the Small Business Loan ($5K and up) We can usually provide an answer in just one hour, provided you make your application within normal business times and permit us to use the bank verification system link to instantly verify your bank’s information online. If you opt to upload copies of your bank statements we can provide a decision in just the span of one business day.

    For Larger Business Loans ($100K or more) we might be likely to provide you with conditional pre-approval within six hours. After you’ve signed the pre-approval, the turnaround time is approximately 2-3 days to receive final approval, however it could be faster based on the specifics of each application. Certain agreements have been approved in 24 hours.

    The quickest method for you to apply is make sure you apply during normal business hours. Also, let us use the modern bank verification to verify your bank account information online. If you decide to send us the copies of bank statements it can take a bit longer.

    What is the maximum amount I can borrow?

    We offer loans ranging from $5,000 to $500,000. When you submit an application for a certain amount we take into consideration a range of elements that determine how much we can lend you health of your company and the level of payments your business can support. The amount you receive from the loan will be determined by the specific circumstances of your business.

    When you apply for a certain amount, we look at a range of elements to determine the health of your company and the extent of repayments that your business is able to afford. The total amount of your loan will be contingent on the particular circumstances for your company.

    Fees & repayments

    How do you charge for an business loan?

    If you decide to apply for the company credit, we will assess the risk assessment of your business and provide you with a customised proposal that includes the amount of the loan, the duration and interest rates. A business loan is an upfront cost loan and you’ll know the exact amount to be paid, including any interest rates, fees or charges.

    What is the basis for the rate I pay?

    The interest rates on company loans rates depend on a variety of variables like the amount to be that is borrowed, what business assets the funds will be used for and the sector the business is operating in, how long the company has been running and what percentage of the business has sufficient cash flow to cover the loan, and also the overall well-being and creditworthiness of the company.

    What are the cost?

    There aren’t any hidden costs with our business loans. You’ll know precisely what you’ll be required to pay and when, right from the day you sign up. There’s not any compounding interest and no extra fees (as long as you are able to make your payments on time).

    We do not charge an Application Fee. You are able to get a cash loan with no cost upfront or obligation to proceed.

    The Origination Fee covers the expenses involved with the setting up and management of the loan. The only way to pay this cost if you take out the loan. Our Origination Fee is 2.5% of the amount of the loan.

    Can I pay off the loan in advance?

    You can decide to repay all of your advance loan at any time.

    If you are deciding to pursue this option, please contact our helpful company credit specialists. They will offer you with details on repayment and an early payout figure. It will be calculated using the total of the principal remaining and the accrued interest up to the time of early payout, plus 1.5% of the principal balance as well as any outstanding fees.

    How do you make repayments work?

    In order to help you avoid missing due dates and also to be in line with your cash flow standard, we offer repayments either weekly or daily. They will be automatically deducted from the nominated business account.

    Security & privacy

    Will my data be protected?

    The security of your personal information, as well as making it clear how we collect data, process, exchange and protect your information, is crucial and an integral aspect of our relationship with you.

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

    Yes. We make use of industry-standard encryption standards to secure your sensitive, personal financial and other data. Our funders are ISO 27001 qualified for our commitment to customer security and security. We utilise a sophisticated bank verification system that allows you to instantly verify the bank account details online. This allows us to offer an immediate response.

    About business loans

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

    Asset-based borrowing occurs when the company owner makes use of an asset they own to obtain the loan. The asset may be an individual asset, such as the family home or it could be a company asset such as a vehicle as well as a piece of machine.

    The vast majority of the lenders even the banks with the biggest size, prefer to guarantee loans against assets. If you’re having trouble paying back the loan, your assets could be taken over by the lender. In essence, it is an opportunity to secure new funding using the worth of the asset you already own.

    Do I require security for an company loan?

    Up to $150K in loans the requirement for asset security is not required prior to the loan’s access However, we require a personal guarantee. require an individual guarantee. In the event that you fulfill the terms of your loan (as stated in the loan contract) Asset security will never be required. If you take out loans in excess of $150,000 generally, you are able to get an individual ensure and security that is in the form a charge over assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction houses and auction websites
    • Debt purchasers & debt collection firms
    • Direct marketing including telemarketing, fundraising, mail order, direct-mail etc
    • Finance lenders and institutions
    • {Firearm businesses
    • Foreign currency exchange offerings
    • Freight forwarding & customs clearing houses
    • Anything gambling related
    • Not-for-profit organisations such as charities, churches etc
    • Smash repairers or panel beaters
    • Pawn shops & pawnbrokers
    • Property development
    • Investment business, shares & stockbrokers
    • Tattoo palours
    • Taxi or ride sharing services
    • Entertainment sales and ticket resellers
    • Vehicle towing services
    • Secondhand vehicle dealerships
    • Car glass tinting
    • Automotive wrecking yards

    We can’t assist with an unsecure business loan for these industries, we may be able to 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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    Apply Now

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    0800 102 591

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