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 quick and easy to apply for. Approve your loan in a matter of minutes and use the money in your company.

  • Would extra funds help your business by allowing you to work capital or for the opportunity for growth?
  • How do you finance your company requirements?

You can expect:

  • Easy process to fill out and get approved and funds as soon as tomorrow
  • No reayments are permitted in the first four weeks
  • Borrow from $5k to $500K
  • Terms ranging from 3-36 months
  • Competitive interest rates
  • Minimal docs required

The eligibility requirements for an unsecured business loan for a business loan Harbour View are fairly minimal.

Business credit rates and repayment terms, as well as flexible repayment options to meet your business requirements.
Business Lending Options
I'm now able employ an professional marketer to take my company to the next level.
Growing Harbour View Business
I'm now able fund the construction of our fresh Harbour View resturant without having to borrow cash from other resturants.
Harbour View Resturant Owner
I can now take vacation knowing that it is safe knowing that Harbour View company will run effortlessly.
Local Business Owner
Business loans, in particular an unsecured business loan or line of credit to business funding require have no difficult process. Business finance in the form in the form of small business loans at a fixed interest rate cost, and with a repayment schedule which is compatible with the requirements of your business liquidity.
Business Lenders for Business Goals
A simple loan application process with a large borrowing limit, minimal requirements for credit and there is no requirement to present a business plan. Stop using your personal credit card and company credit cards to finance your business.
Unsecured Loans Made Simple
I'm able get my tax back on time.
Small Business Owner
I am now able to make espresso for customers with the best equipment.
Cafe Owner
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for business loans in Harbour View company loan in Harbour View with us is easy and takes just less than a minute, with no lengthy forms or lines.

Be 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 aim to help Harbour View businesses of all kinds, from small to medium-sized solopreneurs access funds quickly so that they can use the loan to expand and grow.

  • 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 to see you succeed as well as you business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • The minimum period of 6 months for which you must be in business
  • At least $6,000 of revenue per month
  • You must be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for evidence of identity
  • You should have a New Zealand bank as your main trading account
  • Bank statements for the last six months

Are you looking for additional funding? Take a look at the guidelines for eligibility for our $100K-$500K company financing.

Here's How Other People Have Benefited

Examples of Business Loans

A restaurant owner wanted to open a second location and needed funding to renovation. Their bank was not willing to help. The average monthly income for them was $50K and they were able to borrow $66K in 24 months. It took only 8 hours to get access to the funds.
Restaurant Owner
A gym that had been going for nearly 3 years decided to increase its size and needed more equipment. With a monthly turnover of $37K they borrowed$72K over a 24 month period. No security was required for the loan and it was settled in the span of 24 hours.
A plumber who has been in business for three years and has monthly sales of $80K was in search of additional funds. They borrowed $153K over a 36 month term. The only thing needed were 12 months' worth of statements as well as confirmation of the status with IRD. The procedure was completed within one day, and the plumber had their extra working capital available in their account in a matter of hours.
The owner of a small supermarket that was making $70K a month borrowed $76K over a 24 month period with no repayments for the first 4 weeks. The loan required 12 months of bank statements. The time to turn around was just six hours from the time of application until receiving the funds.
Grocery Store Small Business Loan
An interior designer had spotted an opportunity to expand their company and required working capital to finance this growth. With an annual revenue of $300K they borrowed $250K in 24 months. The time to turn around for them was just 2 days and all they had for them to present was 12 months of bank statements along with IRD confirmation and trust deed.
Interior Designer
Simple eligibility checklist

Larger Harbour View Business Loan Eligibility Criteria

The criteria for eligibility for larger Harbour View company loans of between $100K and $500K are:

  • 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)
  • Drivers Licence or Passport for identification
  • Make sure you have an account with a New Zealand bank as your principal trading account
  • Bank statements from the previous six months
  • Certain financial statements, such as Profit & Loss, and aged accounts Payable and Receivable

Are you looking for a lower amount of funds? Find 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 nearly every company reason. Contact us now.

  • Renovate or expand a commercial premises
  • Grow the team during busy periods
  • Increase stock quantities to meet the demand
  • Develop a new website, or increase your marketing
  • Make sure you invest in the latest equipment, tools or technological advancements
  • Purchase additional stock to meet the seasonal demand
  • Control cash flow fluctuations
  • Plus many more …

Are you looking to start one of these as soon as tomorrow? So, contact us now or apply online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All that is needed for starting is your contact details (the name of your company, your name, email or phone number) along with the amount you’d like to lend, and your monthly revenue.

During the process and before settlement we will require confirmation of your identity but not to get started:

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

Once we’ve started with loans over $150,000 you’ll require basic financial statements:

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    A gym that was in operation for more than 3 years wanted to grow and needed more equipment. With an average monthly revenue of $37K they borrowed $72K over a 24- month period. There was no security requirement and the loan was compelted in the span of 24 hours.
    Acquiring a pizza shop and two liquor stores six to to 12 months ago, the new owners were looking for additional cash. 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 on a mix of 24 and 36 month terms. There was no security on the owners' homes was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    A company coach was seeking to invest in an well-being and beauty business. With just a little more than $12K in monthly revenue the company borrowed $24K over 24 months. This required 12 months of bank statement and was completed in just 8 hours.
    Business Coach
    A restaurant owner was wanting to open a second restaurant and needed money to fund the fit out. Their bank wasn't willing to help. Their typical monthly earnings was $50K and they were able to get a loan of $66K over the course of 24 months. The turnaround time was 8 hours.
    Restaurant Owner
    The owner of a tiny supermarket that was making $70K a month borrowed $76K over a 24 month term , without making any repayments for the first four weeks. The loan required 12 months of bank statements. The time to turn around was just six hours from application to getting the funds.
    Grocery Store Small Business Loan

    The lending landscape has changed

    With traditional lenders and banks tightening their credit terms The steady flow of alternative and non-bank loan providers that are entering the market provides the perfect source for you to access.

    Harbour View SME’s are now capable of accessing finance through other lenders in Harbour View who are focused on enabling company expansion or smoothing problems with cash flow. The past was when individual credit providers (drawing equity from a house loan, or by using credit cards in addition to personal loans and loans) were the only alternative funding solutions available in Harbour View that were around.

    There’s there is no need of having to depend on using real estate to secure business credit. With an unsecured loan business funding is made simple. Instead of a traditional term loan from the bank, business finance for an SME with interest rates and loan terms that can help in cash flow are around as business credit options.



    High level summary

    Separate personal and business debt

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

    • Your home, or other investment properties, aren’t held to allow access to funds
    • It is the business is in a more favourable position to create its own credit history
    • It is significantly more seamless during tax time
    • Businesses are able to easily review how they are performing, monitor and plan on their ability to clearly determine their cash flow position

    Reduce your risk, make tax time simpler, start with an unsecured busines loan. Make an application today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your business and personal business assets separate can be that your home does not have to be tied for access to the money. In the case of a business loan within Harbour View 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

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


    Separating personal and business financial accounts makes it more straightforward when it comes to tax time, especially when it comes to determining the tax-deductible amount. The IRD has outlined the guidelines on the proof required to claim deductions on an organisation’s tax return. This is a subject that the IRD has advised specifically on.

    Cash flow

    Effective cash flow management is key for the long-term success in any company. Through keeping your personal finances and business finances distinct, companies can easily view how they are performing, monitor and plan on their ability to accurately assess their cash flow position.

    Business business loans, interest rates and repayment terms, as well as flexible repayment options that can be tailored to your business requirements.
    Business Lending Options
    I'm now able make the coffee I serve my clients using the best equipment.
    Cafe Owner
    I'm now able to go on an extended vacation knowing that I am confident that my Harbour View company will run well.
    Local Business Owner
    Simple loan application procedure that comes with a high limit on borrowing, no requirements for credit, and there is no need to create a business plan. You no longer need to use your personal credit card or business credit cards to fund your business.
    Unsecured Loans Made Simple
    I can get my tax back in order.
    Small Business Owner
    I'm now able hire an experienced marketer to help me increase the success of my business to the next level of business growth.
    Growing Business
    I'm now able to finance the renovation of our modern Harbour View resturant without having draw cash from other ones.
    Harbour View Resturant Owner
    Business loans, in particular an unsecured unsecured business loan or line of credit to business financing need have no difficult process. Finance for a company in the shape in the form of small business loans that have an interest rate and repayment time that is suitable for your business financial needs.
    Business Lenders for Business Goals
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Harbour View Small Business Loans

    Let me know more about Harbour View Small Business Loans

    Harbour View unsecured loans offers the range of $5,000 to $100,000. The terms range between 3 and 24 months. They also offer cash flow friendly repayments which can be made daily or weekly.

    How is the Unsecured Loan different from the traditional company loan?

    You can apply to your Small Business Loan in under 10 minutes over the phone, receive an answer within the same day and funds may be in your account within 24 hours. Traditional business loans have an interest rate per annum together with additional fees and charges. This company loan is an upfront priced loan so you will be aware of the total amount payable including any interest, fees or charges. This is then broken down into weekly or daily amount to be paid back.

    What can the Small Business Loan be used for?

    A Small Business Loan can be used for nearly any business 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 use.

    Concerning Larger Harbour View Business Loans

    What is the Larger Harbour View Business Loan?

    The Larger Business Loan is a larger size of loan that can be used to fund company expansion opportunities. The loan ranges from $100,000 to $500,000 with a term fixed up to 36 months. The repayments are made weekly or fortnightly, depending on your cash flow.

    How’s the Origination Fee calculated?

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

    Am I eligible for the Larger Business Loan?

    To qualify for a loan that is this large, your business needs to be trading for at least 3 years and have an annual turnover of at least $700K. It is necessary to be a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old and have a New Zealand business (with a valid NZBN/IRD) and be able to demonstrate at least 12 months of trading.

    How can the funding be utilised?

    A large company loan is a great option for almost every business reason, such as company renovations, to purchase equipment or inventory as well as for general working capital and much more. The loan cannot be used to fund personal expenses.

    Is the Larger Business Loan one that requires security?

    Asset security is needed to access funding over $150,000. This can be done as a result of an charge over assets, and could include the registration of this on the PPSR or filing as a caveat.

    A personal or director’s ensure is a guarantee to repay a loan which is generally based rather than specifying security over a particular asset. The person who is signing the ensure is personally responsible if the business the borrower fails to make the repayment.

    The Personal Property Securities Register (PPSR) is a central, national online register operated by the New Zealand Government. It records security interests that have been registered in respect of personal property (including the assets or goods). The PPSR grants the priority of personal property assigned in accordance with the date on which a security interest that is registered.

    A caveat is a legal document lodged to offer an official notice of a claim against a property.

    What is a pre-approval without Credit Check?

    When you’re applying for a Larger Business Loan of $250K or more, we may offer an initial pre-approval in order to make the process. We might be able to get this done without a credit verification and within 6 hours of the initial application. This pre-approval is based on an initial assessment, which involves the answer to a series of financial well-being checks. It is in no way an offer, nor is it a guarantee of financing. The approval of a conditional loan is subject to an exhaustive credit evaluation, and any offer you might receive could have different conditions.

    Application process

    Are I eligible for funding?

    You may be eligible for an company loan if you;

    • are a New Zealand Citizen (or Permanent Resident)
    • are over 18 years, have a New Zealand company (with a valid NZBN/IRD)
    • can demonstrate at least 6 months of business (for the unsecured loan $5K – $100K) or three years of trade (for the Larger Business Loan $100K - $500K)

    How do I apply?

    The application process is fast and easy. Just complete the online application in just a few minutes, and a dedicated business lending specialist will call you to help you.

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

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

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

    How fast will I get a decision?

    For an unsecured loan ($5K up to $100,000) We can usually provide a response in one hour, provided you apply during standard company timings and allow us to use the advanced bank verification system link to instantly verify your bank information online. If you opt to upload copies of your bank statements , we’ll be able to offer the decision within the span of one company day.

    If you are applying for a Larger Business Loan ($100K up to $500,000) we might be capable of offer the conditional pre-approval within six hours. After you’ve signed your pre-approval form, it will take around 2-3 days for final approval, however it could be faster based on the circumstances of each application. Certain offers have been approved within the space of 24 hours.

    The quickest method would be to ensure you apply during standard business hours. You can also permit us to use the advance bank verification link to instantly verify your bank account information online. If you choose to send us copies of your bank statements , it takes a bit longer.

    What is the time frame to receive the funds?

    For the Small Business Loan ($5K and up) we usually offer an answer within an hour, provided you apply during normal business hours and permit us to utilise the advanced bank verification system to immediately verify your bank account information online. If you want to submit copies of your bank statements, we’ll be able to provide an answer in just 1 business day.

    If you are applying for Larger Business Loans ($100K to $500K) We may be capable of provide the conditional pre-approval in about six hours. Once you’ve signed the pre-approval form, it will take approximately 2-3 days to receive final approval, however this can be faster depending upon the circumstances for each application. Certain deals have been approved within 24 hours.

    The quickest method can be make sure you apply during standard business hours. You can also allow us to use our modern bank verification link to instantly verify your bank information online. If you decide to upload duplicates of your banking statements, it will take a little longer.

    What is the maximum amount I can borrow?

    We offer the loan amount between $5,000 to $500,000. If you apply for a particular amount, we take into consideration a range of variables that determine how much we can lend you health of your company and the amount of payments your company will be able to support. The amount you receive from the loan will be determined by the specific circumstances of your business.

    When you submit an application for a particular amount, we look at a range of aspects to determine how much we can lend you such as health that is your company and the amount of the repayments your company can afford. The amount you receive from your loan will depend on the particular circumstances for your business.

    Fees & repayments

    How much do you charge for an business loan?

    When you make an application for the company loans, we will assess the risk profile of your company and provide you with a customised offer, including the loan amount, the terms and interest rates. The company loan is an upfront cost loan and you’ll know the exact amount to be paid, including any costs, fees, or interest rates.

    What determines the amount I am charged?

    Business loan interest rates depend on several factors including the amount borrowed, the company assets the money will be used for and the sector the company operates in, the long the company has been running, in the event that the company has sufficient cash flow to pay for the loan, and overall well-being or creditworthiness of the company.

    What are the cost?

    There are no hidden fees with our business loans, and 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 no compounding and the loan comes with no additional fees (as long as you make your payments punctually).

    We don’t charge an application fee. You can request a credit loan with without any upfront costs or any obligation to sign up.

    The Origination Fee covers the costs associated in establishing and managing the loan. This is only a fee if you choose to proceed with the loan. The Origination Fee for us is 2.5 percentage of the amount of the loan.

    Can I repay the loan earlier?

    You can repay the entire amount of your loan early at any time.

    If you choose to do this please contact our helpful company loans experts. They will provide you with repayment details along with an early payout estimate. This is calculated as the sum of the principal amount remaining plus any accrued interest as of the time of early payout, plus 1.5% of the remaining principal and 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 routine, we offer repayments that are either weekly or daily. They will be automatically deducted from the nominated business account.

    Security & privacy

    Will my data be protected?

    Security of your data, and knowing how we collect information, use it, and exchange it, as well as secure your information, is of huge importance and is an essential 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 qualified for our dedication to security for our customers and security. We use an advanced bank verification system that allows you to instantly verify the bank account details online so we can offer rapid response.

    About business loans

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

    An asset-based loan is when the company owner borrows from assets they own to make the loan. The asset can be either an individual asset, such as the family home or a company asset such as a vehicle or piece or equipment.

    The vast majority of lenders, not just the major banks, prefer to secure loans against assets. If you’re struggling to pay back the loan then the asset might be transferred to the lender. In essence it is the process of securing additional financing using the value of what you already own.

    Should I require security to secure an company loan?

    Up to $150,000 in loans it is not necessary to secure assets prior to the loan’s access However, we do need a personal guarantee. In the event that you fulfill your loan commitments (as detailed in your loan contract document) the security of assets will never be needed. For loans that exceed $150,000, generally there is the option of a personal guarantee and security in the form of a charge over assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites & auction houses
    • Debt purchasers & debt collection agencies
    • Direct marketing including fundraising, telemarketing, mail order, direct-mail etc.
    • Finance institutions and lenders
    • {Firearm businesses
    • Foreign currency exchange solutions
    • Customs clearing houses & freight forwarding
    • Anything gambling related
    • Non-profit organisations, charities, churches etc.
    • Panel beaters & smash repairers
    • Pawnbrokers and pawn shops
    • Property development
    • Stockbrokers, shares orinvesment businesses
    • Tattoo palours
    • Ridesharing and taxi services
    • Ticket resellers and entertainment sales
    • Tow truck services
    • Secondhand vehicle companies
    • Vehicle glass tintingcompanies
    • Automotive wrecking yards

    Although we cannot assist with an unsecured business loan in the above industries, we might be able to assist you by providing the 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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