Unsecured Business Loans Harbour View NZ

If You Do This Today, You'll Be Getting Ready For Success By Obtaining a Harbour View Business Loan

Unsecured Business Loans Harbour View

A Harbour View unsecured business loan is easy and quick in applying for. Apply for a loan quickly and begin using the money for your company.

  • Could additional funds assist your company in working capital, or to realise the opportunity for growth?
  • How do you finance your company needs?

What you can expect:

  • It’s easy to apply and be approved for cash as quickly as tomorrow
  • Optionally , no reayments during the initial four weeks
  • Borrow from $5k to $500K
  • Terms from 3 to 36 months
  • Competitive interest prices
  • Minimal documentation

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

Simple loan application procedure with a huge borrowing limit, minimal credit criteria and there is no need to provide a business plan. Don't use your personal credit card or business credit cards as a way to fund your business.
Unsecured Loans Made Simple
I'm now able employ an expert marketer to take my business to the next level.
Growing Harbour View Business
I am now able to take an extended vacation knowing that the Harbour View company will run effortlessly.
Local Business Owner
Business loans with interest rates and repayment terms and flexible repayment options to fit your company needs.
Business Lending Options
I'm able get my tax back on time.
Small Business Owner
I am now able to make the coffee I serve my clients with the best equipment.
Cafe Owner
I'm now able fund the construction of our modern Harbour View resturant without having to pull cash from the other resturants.
Harbour View Resturant Owner
Business loans, particularly an unsecured unsecured business loan or line of credit to business financing need not be a difficult procedure. Business finance is in the form of small business loans with an interest rate cost, and with a repayment schedule which is compatible with the needs of your company financial needs.
Business Lenders for Business Goals
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting an business loans in Harbour View with us is easy and takes just about a couple of minutes, there are no long lines of paperwork or waiting in line.

Receive approval and money within 1-2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

Our purpose is to assist Harbour View companies of all sorts small, medium even entrepreneurs to obtain funding fast so they can take advantage of loans to expand and develop.

  • It starts with an easy online application, or phone call
  • Flexible repayment terms that can be tailored to your company
  • Quick funding in a day or two days
  • A team wanting for you as well as your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Harbour View of between $5K and $100K are fairly minimal.

  • A minimum of six 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 License for evidence of identity
  • Make sure you have an account with a New Zealand bank as your primary account for trading
  • Bank statements for the last six months

Need more funds? Find out the guidelines for eligibility for our $100K to $500K company financing.

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 to finance the growth. With a monthly income of $300K, they borrowed $250K over 24 months. Their turnaround time was just 2 days and all they had for them to provide were 12 months worth of banking statement, IRD confirmation, and trust deed.
Interior Designer
After purchasing a pizza restaurant as well as two liquor stores six to 12 months prior, the new owners were seeking additional cash. The combined revenue was over $500k per month. They could have borrowed $300K. The loan was split into $100K per store on the option of 24- and 36 months. No security over the owners homes was needed.
Owner of a Pizza Store & 2 Liquor Stores
The owner of a small grocery store that earned $70K per month borrowed $76K over a 24-month period with no repayments for the first 4 weeks. The loan required 12 months of bank statements. Turnaround time was just 6 hours from application to getting the money.
Grocery Store Small Business Loan
A restaurant owner wanted to open a second establishment and needed funds for the remodel. Their bank was not willing to help. Their typical monthly earnings 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 need of more funds. They were able to borrow $153K over a 36 month term. All that was required were 12 months' worth of statements and confirmation from the IRD. The process was completed within one day, and the plumber was able to access their working capital in their account in a matter of hours.
Simple eligibility checklist

Larger Harbour View Business Loan Eligibility Criteria

The criteria to be eligible to be eligible for larger Harbour View business loans of between $100K to $500K comprise:

  • Minimum of 3 years trading in business
  • A minimum of $700K annually in income
  • Be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification proof
  • Have an account with a New Zealand bank as your main trading account
  • Bank statements from the past six months
  • Certain financial statements, such as Profit & Loss as well as Aged Accounts Payable and Receivable

Do you require a smaller amount of capital? Check out the conditions for eligibility for our $5K to $100K Harbour View unsecured company loans.

Business Lending for a Cash Injection

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

A Harbour View unsecured loan is great for almost every company purpose. Contact us now.

  • Expand or renovate a commercial premises
  • Staff expansion during busy periods
  • Grow stock levels to keep up with demand
  • Create a new site or improve your marketing
  • Make sure you invest in the latest equipment, tools or new technologies
  • Buy extra stock to meet the seasonal demand
  • Manage cash flow fluctuations
  • Plus lots more …

Want to get started on one of these projects as soon as tomorrow? Get in touch with us or send your application online to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All that’s required to begin is your contact details (the name of your company, your name, email and phone), how much you’d like to borrow as well as your monthly income.

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

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

In addition, once we have started with loans greater than $150,000 you’ll also need basic financial statements.

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started now.


Apply Now

    Please prove you are human by selecting the Truck.

    Here's How Others Have Benefited

    Examples of Business Loans

    A restaurant owner wanted to open another restaurant and required funds to fit out. Their bank wasn't interested in helping. The typical monthly income for them was $50K. They were able to borrow $66K in 24 months. Turnaround was only 8 hours.
    Restaurant Owner
    A business coach was seeking to invest in the health as well as beauty business. With just a little more than 12K in revenue per month the company was able to borrow $24K over 24 months. The loan was based on the submission of 12 months' bank statements and was done in only 8 hours.
    Business Coach
    Following the purchase of a pizza shop as well as two liquor stores 6-12 months earlier the new owners needed additional funds. The total revenue of the two stores was more than $500k per month. They were able to borrow $300K, split out as $100K for each store using a mix of 24 and 36 month terms. No security over the owner's houses was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    With the busy holiday season approaching, a clothing store required additional working capital to purchase more stock and take advantage of a supplier discount. They borrowed $20K over 12 months without collateral for their assets, and they had the funds in 24 hours.
    Clothing Store
    The owner of a tiny grocery store doing $70K a month borrowed $76K over a 24 month period, with no payments for the first four weeks. The loan required 12 months of 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 traditional lenders and banks increasing their credit requirements and the constant stream of non-bank and alternative loan providers entering the market provides an incredible source for you to access.

    Harbour View SME’s are now being able to get finance from alternative lenders that service Harbour View who are focused on facilitating company expansion or smoothing out cash flow challenges. In the past the personal sources of credit (drawing equity from a home loan, or by using credit cards or personal loans, as well as loans) provided the most viable alternative financing solutions available in Harbour View that were around.

    There is now there is no requirement to depend on the real estate market to secure business credit. With an unsecured loan, business financing is easy. Instead of a loan for a term with the bank, business finance for a small company with interest rates and loan terms that aid with cash flow is around as business loans.



    High level summary

    Separate personal and business debt

    There are many benefits by separating personal and company debt.

    • Your home, or other investments, aren’t tied up for access to funds
    • It is the business stands in more favourable position to build its own, clear credit history
    • It’s significantly more straightforward during tax time
    • Businesses can easily view the situation, track and plan based on their ability to clearly evaluate their cash flow situation

    Reduce your risk, make your tax time more simple, apply for an unsecure loan for business. Apply today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your personal and company assets separate will be the fact that your home isn’t required to be tied for access to the money. For a modest business loan in Harbour View up to $100K an asset security agreement will not be needed as long as the borrower is able to meet the loan requirements.

    Credit history

    Businesses are in a more stable long-term position when they can show good credit and debt capacity to pay.


    A separation between personal and company financial accounts makes it more straightforward when it comes to tax time - particularly when identifying what is the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has outlined the guidelines on the proof required for claiming deductions on an organisation’s tax return. This is an area the IRD has advised specifically on.

    Cash flow

    A well-organised cash flow management system is vital to the longevity of any business. By keeping personal and company finances distinct, companies can easily view, monitor and plan based on the ability to clearly assess their cash flow position.

    Business loan interest rates and repayment conditions, and flexible repayment options to fit your company requirements.
    Business Lending Options
    I'm now able make beverages for customers with the very best equipment.
    Cafe Owner
    I'm now able employ a marketing professional to increase the success of my company to the next level of business growth.
    Growing Business
    Business loans, especially an unsecured unsecured business loan or line of credit to business funding need have no stressfull procedure. Business finance is in the form in the form of small business loans with an interest rate and repayment time which is compatible with the requirements of your business budget.
    Business Lenders for Business Goals
    A straightforward loan application process with a huge loan limit, with minimal requirements for credit, and there is no requirement to present a business plan. You no longer need to use your personal credit card and company credit cards in order to fund your company.
    Unsecured Loans Made Simple
    I'm now able fund the fitout of our newly constructed Harbour View resturant without having draw cash from other locations.
    Harbour View Resturant Owner
    I can now take vacation knowing that I am confident that my Harbour View business will run smoothly.
    Local Business Owner
    I can get my tax back on track.
    Small Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Harbour View Small Business Loans

    Tell me more about Harbour View Small Business Loans

    Harbour View unsecured loans provides amounts between $5,000 and $100,000 with terms between 3 and 24 months and cash flow friendly repayments which can be made daily or weekly.

    How is the Unsecured Loan different from an ordinary company loan?

    It is imaginable to apply to get this Small Business Loan in under 10 minutes online or by phone. You will receive an instant response and the money could be in your account within 24 hours. Traditional business loans have an interest rate per annum together with additional fees and charges. The company loan is an upfront priced loan and you’ll be aware in advance of the total amount payable including any fees, charges or charges. This is then divided into weekly or daily repayment figure.

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

    A Small Business Loan can be used for nearly every company purpose including managing cash flows, business remodels and marketing for purchasing inventory or new equipment, to fund general working capital and so much more. The loan cannot be used for personal use.

    Concerning Larger Harbour View Business Loans

    What is the Larger Harbour View Business Loan?

    The Larger Business Loan is a larger amount of loan to help company growth opportunities. Loans are between $100,000 and $500,000 for a fixed period of for up to 36 months. Repayments are scheduled weekly or fortnightly depending on you cashflow.

    How’s the Origination Fee calculated?

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

    Can I get the Larger Business Loan?

    To be eligible for a credit in this amount the company needs to have been trading for at least 3 years and have an annual turnover of $700,000. It is necessary to be a New Zealand Citizen (or Permanent Resident) over 18 years and have a New Zealand company (with a valid NZBN/IRD) and be able to prove at minimum 12 months of continuous trading.

    How can the funding be utilised?

    A larger company loan can be used for nearly every company purpose including company remodeling, buying equipment or inventory as well as for general working capital, and much more. The loan is not available for personal use.

    Is the Larger Business Loan one that is secured?

    Asset security is required to obtain funding above $150,000. This can be done by taking a charge against assets, which could also be registered through the PPSR or filing a caveat.

    A personal or director’s ensure is a guarantee to repay credit that is generally in nature rather than stating security over a particular asset. The person who signs the ensure is personally liable in the event that the business borrower is unable to pay back the debt.

    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 the assets or goods). The PPSR allows priority over personal property to be assigned according to the date the security interest has been registered.

    A caveat is a legal document filed to offer notice of a legal claim to a property.

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

    If you’re applying for the Larger Business Loan that exceeds $250,000 we may be able to provide an initial pre-approval to make the process. It is possible to make this decision without a credit check and within 6 hours of the initial application. This pre-approval is made based on an initial assessment that includes answering a couple of financial health checks. It’s not an offer of credit or guarantee of finance. The approval of a conditional loan is subject to an extensive credit evaluation and any offer that you may receive may be on different terms.

    The application process

    Can I be eligible for funding?

    You may be eligible for a business loan if you;

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

    How do I apply?

    The application process is simple and easy. Simply complete the online form within a few minutes and a dedicated business loan specialist will call you to help you.

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

    If you’re looking for loans with larger sizes, you’ll require:

    $100K to $250K: Application requirements, including credit consent, 6 – 12 months of IRD statements, bank statements (if credit is over $150K).
    $250K to $500K: Details of the application, including credit consent as well as 12 month bank accounts, the IRD statements as well as the two most recent years’ financial statements, and interim financial statements for the current year as well as Aged Payables and Receivables Summary.

    How soon will I hear an answer?

    For an unsecured loan ($5K and up) We can usually offer an answer within an hour – as long as you submit your request in standard company hours 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 upload copies of your banking statements , we are able to provide an answer in as little as 1 business day.

    For the Larger Business Loan ($100K and up) we could be in a position to provide the conditional pre-approval within about 6 hours. Once you have signed the pre-approval, turnaround times are approximately 2-3 days to receive final approval, however this may be quicker depending on the specifics of each application. Some deals have been approved in 24 hours.

    The quickest way to apply can be ensure you apply during standard business hours, and allow us to use our advance bank verification to instantly confirm your bank details online. If you opt to upload the copies of bank statements , it may take a bit longer.

    How quickly will I receive the money?

    For the Small Business Loan ($5K up to $100,000) we usually offer an answer within one hour – provided you submit your request at normal business timings and let us use the bank verification system link to immediately verify your bank account information online. If you decide to upload copies of your bank statements, we are able to offer an answer in just one business day.

    If you are applying for Larger Business Loans ($100K to $500K) We may be capable of offer you with a conditional pre-approval within about six hours. Once you’ve signed the pre-approval, the turnaround time is around 2-3 days for final approval. However, this can be faster depending on the particular circumstances of each application. Some agreements have been approved in just 24 hours.

    The fastest method would be to make sure you apply during normal business hours. You can also let us use the advance bank verification to instantly verify your bank account information online. If you decide to send us copies of your bank statements it may take a bit longer.

    What’s the minimum amount I can borrow?

    We offer the loan amount between $5,000 to $500,000. When you make an application for a particular amount, we look at a variety of elements that determine the well-being for your company and the level of repayments that your company can support. The total amount of the loan will be determined by the specifics for your company.

    When you apply for a set amount, we will consider a number of variables to determine how much we can lend you such as health that is your company as well as the amount of the repayments your business can support. The total amount of your loan will be contingent on the particular circumstances the business.

    Fees & repayments

    What is the cost for a company loan?

    If you decide to request business loans with us business credit, we’ll assess the risk profile that you have for your company and provide you with a customised offer including the amount of the loan, the duration and the interest rates. This business loan is a loan that is priced upfront therefore you will be aware in advance of the total amount payable including any interest rates, fees or charges.

    What determines the amount I will be charged?

    The interest rates on business loans rates depend on a variety of factors like the amount of money borrowed, the business assets the funds are used to purchase as well as the field the company operates in, the long the business has been running for, what percentage of the company has enough cash flow to pay for the loan, and the overall well-being and creditworthiness of the company.

    What are the costs?

    There aren’t any hidden charges with our business loans, and you’ll know precisely how much you’ll need to pay, and when, right from the first day. There’s no compounding and no additional fees (as long as you make your payments in time).

    We do not charge an application fee. You are able to make an application for loans without any upfront costs or commitment to apply.

    The Origination Fee is the cost associated with setting up and managing the loan. This is only a fee if you choose to proceed with the loan. Our Origination Fee is 2.5 percentage of the loan amount.

    Can I repay the loan early?

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

    If you are deciding to do this please contact our helpful business loans professionals. They’ll offer you with details for repayment as well as an early payout amount. This will be calculated as the sum of the principal amount remaining and the accrued interest up to the time of the early payout, plus 1.5% of the principal balance plus any outstanding fees.

    How do you make repayments work?

    To help you avoid missing payments and to work your cash flow schedule, we provide repayments either weekly or daily. They will be automatically deducted from your nominated business account.

    Security & privacy

    Will my data be secure?

    Making sure that your information is secure, and making it clear how we collect data, process, exchange and safeguard your data, is crucial and an integral part of our relationship with you.

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

    Yes. We make use of industry-standard encryption protocols to safeguard your sensitive, personal financial and other data. Our funders are ISO 27001 certified for our commitment to the security of our clients as well as their privacy. We use an advanced bank verification system link to instantly confirm your bank account information online. This allows us to offer rapid response.

    About business loans

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

    Asset-based borrowing occurs when a business owner borrows from an asset that they own to get the funds for a loan. The asset could be an asset belonging to the personal, like the family home or a business property like a truck or other piece of machinery.

    The majority of lending institutions, even the big banks, tend to secure loans against an asset. If you are having difficulty paying back the loan, the asset could be taken over by the lender. In essence it is means of securing new funding making use of the value of what you already have.

    Are I require security for a business loan?

    Up to $150K in loans the requirement for asset security is not required upfront to access the money however, we require a personal guarantee. require the personal guarantee. As long as you follow your loan commitments (as specified in your loan contract document) Asset security is not needed. For loans that exceed $150K, generally there is a personal guarantee and security is provided in the form of charges on assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites or auction houses
    • Debt collection agencies & debt purchasers
    • Direct marketing such as telemarketing, fundraising, mail order, direct-mail etc
    • Financial lenders or institutions
    • {Firearm related businesses
    • Foreign currency exchange services
    • Freight forwarding and customs clearing houses
    • Gambling related industries
    • Not-for-profit organisationsincluding charities, churches etc.
    • Panel beaters & smash repairers
    • Pawn shops and pawnbrokers
    • Property development
    • Stockbrokers, shares orinvesment businesses
    • Tattoo palours
    • Taxi or ride sharing services
    • Entertainment sales and ticket resellers
    • Vehicle towing services
    • Used vehicle dealerships
    • Vehicle glass tintingfirms
    • Car dismantlers

    We can’t assist with an unsecured business loan in these industries, we may be able assist by providing secured business loan.

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

    Apply Now

    Apply Now

    Contact Us

    Contact Us

    Contact Us

    Fill out the form below or Call Now
    0800 102 591

      Please prove you are human by selecting the Cup.