Unsecured Business Loans Henderson NZ

In The Next Few Hours, You Could Be Getting Ready For Success WithThe Help Of a Henderson Business Loan

Unsecured Business Loans Henderson

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

  • Are additional funds able to help your business with working capital or for the opportunity for growth?
  • How are you financing your business needs?

What you can expect:

  • Easy process to fill out to be approved and receive cash as quickly as tomorrow
  • Optionally no reayments in the initial four weeks
  • The range of borrowing is from $5k to $500K.
  • Terms ranging from 3-36 months
  • Competitive interest prices
  • Minimal documentation required

The conditions for eligibility for an unsecured business loan within Henderson are fairly minimal.

I'm now able fund the construction of our modern Henderson resturant without having draw cash from other locations.
Henderson Resturant Owner
Business loans, particularly an unsecured unsecured business loan or line of credit for business funding need never be an stressfull process. Business finance in the form of small business loans with an interest rates and repayment period that will suit the needs of your company financial needs.
Business Lenders for Business Goals
A simple loan application process with a huge borrowing limit, minimal requirements for credit, and no need to provide a business plan. Do not use your personal credit card or business credit cards in order to fund your company.
Unsecured Loans Made Simple
I can now hire a marketer to take my company to the next level.
Growing Henderson Business
Business credit rates and repayment terms, as well as flexible repayment options to meet the needs of your company needs.
Business Lending Options
I can now take vacation knowing that the Henderson company will run effortlessly.
Local Business Owner
I'm now able make the coffee I serve my clients with the best equipment.
Cafe Owner
I'm able get my tax back on track.
Small Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting a company loan within Henderson with us is easy and takes just less than a minute, with no long lines of paperwork or waiting in line.

Be approved and receive your money within 1-2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Henderson businesses of all sorts small, medium even soloprenuers to get access to funds quickly so that they can utilise the loan to expand and grow.

  • It begins with an easy online application or a phone call
  • Flexible repayment terms to suit your company
  • Fast cash in just a day or two
  • A team of people who want you and your business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The criteria for eligibility for an unsecured business loan in Henderson of between $5K and $100K is fairly low.

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

Do you need more money? Find out the guidelines for eligibility for our $100K-$500K company credit.

Here's How Others Have Benefited

Examples of Business Loans

An interior designer saw an opportunity to expand their company and required working capital in order to finance this expansion. With a monthly revenue of $300K they took out a loan of $250K for 24 months. The turnaround time was only 2 days, and all they needed to present was 12 months of bank statement, IRD confirmation, and trust deed.
Interior Designer
A plumber who has worked in the business for 3 years, with $80K in monthly sales was looking for additional funding. They borrowed $153K over a 36 month term. All that was needed is 12 months worth of banking statement and confirmation of the status with IRD. The process was complete within an hour and the plumber had their extra working capital in their account in a matter of hours.
A company coach was seeking to invest in the well-being as well as beauty business. With just over 12K in revenue per month the business was able to borrow $24K over 24 months. This only required 12 months of bank statements and was done in 8 hours.
Business Coach
The owner of a tiny grocery store that earned $70K per month borrowed $76K over a 24-month term , without making any repayments during the initial 4 weeks. This 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
With the busy holiday season coming up, a store selling clothing needed additional working capital to buy more inventory and to take advantage of a supplier discount. They borrowed $20K over 12 months with no security of assets required. They received the funds in less than 24 hours.
Clothing Store
Simple eligibility checklist

Larger Henderson Business Loan Eligibility Criteria

The eligibility requirements for the larger Henderson company loans of between $100K and $500K are:

  • A minimum of 3 years of business
  • At least $700K of annual income
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification
  • Make sure you have an account at a New Zealand bank as your primary account for trading
  • Bank statements from the past six months
  • Certain financial statements, such as Profit & Loss as well as Aged Accounts Payable and Receivable

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

Business Lending for a Cash Injection

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

A Henderson unsecured loan is great to use for every company purpose. Contact us now.

  • Renovate or expand commercial spaces
  • Staff expansion for busy times
  • Grow stock quantities to keep up with demand
  • Make a brand new website or boost your marketing
  • Make sure you invest in the latest equipment, tools or technology
  • Buy extra stock to meet the seasonal demand
  • Control cash flow fluctuations
  • And many more …

Do you want to start working on one of these options as early as tomorrow? Then get in touch with us now or apply online to get the fastest and most efficient process.

Quick application checklist

What do you need to apply

All you need to start is your contact information (the name of your company, your name, email, phone) as well as the amount you’d like to borrow, and your monthly earnings.

While in the process and before settlement we’ll need confirmation of your identity but not for starting:

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

In addition, once we have started, for loans of more than $150,000 you’ll also need basic financial statements:

  • P&L 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 had been operating for over three years, was planning to expand and needed more equipment. With monthly revenue of $37K they borrowed $72K over a 24- month period. The loan was not secured for the loan and it was compelted within only 24 hours.
    With the busy holiday season fast approaching, a clothes store required working capital in order to fund extra inventory and benefit from the discount offered by suppliers. They borrowed $20K over 12 months with no asset security required and had the money in just 24 hours.
    Clothing Store
    A designer for interiors had seen an opportunity to grow their business and needed working capital to finance this growth. With monthly revenue of $300K they borrowed $250K over 24 months. Turnaround time for them was only 2 days, and all they needed to provide were 12 months worth of banking statements along with IRD confirmation and their trust deed.
    Interior Designer
    A restaurant owner was wanting to open a second restaurant and required funds to installation. Their bank was not willing to help. The typical monthly income for them was $50K, and they were able borrow $66K for 24 months. It took only 8 hours to get access to the funds.
    Restaurant Owner
    A company coach was looking to invest in a well-being and cosmetics business. With a little over $12K in monthly revenues the business was able to borrow $24K over 24 months. The loan was based on the submission of 12 months' bank statement and was completed in less than 8 hours.
    Business Coach

    The lending landscape has changed

    In the wake of traditional lenders and banks tightening their credit terms and the constant stream of non-bank and alternative loan providers entering the market offers the perfect source for you to make use of.

    Henderson SME’s are now capable of accessing finance through other lenders in Henderson who are focused on facilitating business expansion or smoothing out cash flow issues. The past was when individual credit providers (drawing equity from the home loan, or using credit cards, personal loans and the overdraft) provided the most viable alternative funding services for Henderson that were around.

    There is now not a need in the present to depend on using real estate to secure business lending. With an unsecured loan, business funding is simple. Instead of a loan for a term with a bank, business finance for a small company with interest rates and loan terms that can help in cash flow are around as business loan options.



    High level summary

    Separate personal and business debt

    There are numerous benefits by separating personal and business debt.

    • Your home or other investmentsaren’t tied in order to access funds
    • The company stands in more favourable place to develop its own, clear credit history
    • It’s considerably more seamless for tax time
    • Businesses can easily assess, monitor and plan based on their ability to clearly evaluate their cash flow situation

    Reduce your risk, make tax time easier, get started with an unsecure business loan. Get it today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your business and personal business assets apart can be that your home does not have to be tied to access the funds. If you’re looking for a small business loan in Henderson up to $100K, asset security will not be required as in the event that the borrower has met their loan obligations.

    Credit history

    Businesses will be in a favourable long-term position if they have a good credit or debt serviceability.


    Separating personal and company finances makes it significantly more straightforward in the event of tax time - especially when it comes to determining the tax-deductible amount. Particularly when determining what is the tax deductible allocation. IRD has set out rules on the evidence required to claim deductions on an organisation’s tax return. This is a subject that the IRD has specifically advised on.

    Cash flow

    Effective cash flow management is crucial to the long-term survival in any company. Through maintaining personal as well as company finances separate, companies can easily view their cash flow, plan and monitor it based on the ability to clearly examine their cash flow.

    Business loans, especially one that is an unsecured business loan or line of credit for business financing require never be an difficult process. Finance for a company in the shape of small business loans that have an interest rate and repayment schedule that will suit your company budget.
    Business Lenders for Business Goals
    I'm able to get my taxes back to keep me on track.
    Small Business Owner
    I can now take vacation knowing that it is safe knowing that Henderson business will run without a hitch.
    Local Business Owner
    I can now make the coffee I serve my clients with the best equipment.
    Cafe Owner
    I'm now able to hire an expert marketer to boost my business to the next stage of business growth.
    Growing Business
    A simple loan application process that comes with a high borrowing limit, minimal credit criteria and there is no requirement to submit a business plan. You no longer need to use your personal credit card or business credit cards in order to finance your business.
    Unsecured Loans Made Simple
    Business loans with interest rates and repayment conditions, and flexible repayment options that can be tailored to the requirements of your business requirements.
    Business Lending Options
    I am now able to fund the fitout of our modern Henderson resturant without having to borrow cash from other resturants.
    Henderson Resturant Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Henderson Small Business Loans

    Tell me what you think of the Henderson Small Business Loans

    Henderson unsecured loans offers the range of $5,000 to $100,000, with terms ranging from 3 and 24 months, cash flow friendly repayments which can be made daily or weekly.

    What makes this Unsecured Loan different from an traditional company loan?

    The application to get this Small Business Loan in under 10 minutes online or by phone. You will receive a same day response and have the funds on your account within 24 hours. Traditional business loans have an annual rate of interest as well as other fees and charges. Our business loan is an upfront priced loan which means you be aware in advance of the total amount due, which includes any interest, fees or charges. This is then broken down into weekly or daily amount to be paid back.

    What could be the Small Business Loan be used for?

    It is a Small Business Loan can be used for virtually every company need, such as the management of cash flow, company remodeling, marketing for purchasing inventory or new equipment, as general working capital and much more. The loan cannot be used for personal purposes.

    About larger Henderson Business Loans

    What is the Larger Henderson Business Loan?

    The Larger Business Loan is a larger amount of loan to help business growth opportunities. Loans range between $100,000 and $500,000 with a fixed-term up to 36 months. Repayments are scheduled weekly or fortnightly, depending on your situation.

    How is the Origination Fee calculated?

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

    Do I qualify for the Larger Business Loan?

    In order to be eligible for a loan in this amount, your business needs to be trading for at least 3 years, and have an annual income of $700K. The applicant must also be a New Zealand Citizen (or Permanent Resident) over 18 years as well as own a New Zealand company (with a valid NZBN/IRD) and be able to demonstrate at least 12 months of trading.

    What can I use the funding for?

    A large business loan can be used for nearly every business reason, such as company renovations, purchase of equipment or inventory for general working capital and much more. The loan is not available for personal purposes.

    Is the Larger Business Loan one that is secured?

    Asset security is needed for funding of more than $150,000. It is usually by taking a charge over assets, and may include registration through the PPSR or filing a caveat.

    A personal or director’s ensure is a guarantee to pay off a credit line that is generally based rather than specifying the security for a particular asset. The person who signs the guarantee is personally liable in the event that the business the borrower fails 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 which are registered with respect to personal property (including the assets or goods). The PPSR permits preference over private property assigned in accordance with the date on which a registration of a security interest.

    Caveats are legal document lodged to offer the legal claim to property.

    What exactly is a preapproval without Credit Check?

    When you’re applying for a Larger Business Loan that is greater than $250K, we may offer an initial pre-approval to simplify the process. It is possible to make this decision without a credit check, and within 6 hours of the initial application. The pre-approval process is based on an initial evaluation that involves you answering a few financial health checks. It’s not an offer or guarantee of finance. Acceptance without condition is subject to an exhaustive credit evaluation, and any offer you are offered could be subject to different terms.

    Application process

    Can I be eligible for funding?

    You can apply for a business loan if you:

    • are a New Zealand Citizen (or Permanent Resident)
    • are 18 years or older, have a New Zealand company (with a valid NZBN/IRD)
    • must show at least six months of trading (for a unsecured loan $5K – $100K) or 3 years of trading (for the Larger Business Loan $100K to $500K)

    How do I apply?

    The application process is quick and easy. Just fill out the online application in few minutes and an experienced business credit specialist will contact you to help you.

    For a loan of up to $100,000 you’ll need ID details (valid Driver’s Licence) along with a valid NZBN/IRD and at least 6 months of bank statements.

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

    $100K to $250K: Details of application, including credit consent, 6-12 months of bank statements, IRD statement (if you have a loan of more than $150K).
    $250K – $500K: Information on the application including credit consent twelve months of bank records, IRD statement, last 2 years finalised financial statements, plus interim current financial year financials including Aged Payables, Aged Receivables Summary.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K or more) We can usually provide an answer within one hour if you apply in standard company timings and allow us to make use of the advanced bank verification system link to immediately verify your bank account information online. If you decide to upload copies of your banking statements , we are able to provide a decision in as little as 1 company day.

    For Larger Business Loans ($100K up to $500,000) we could be in a position to provide the conditional pre-approval in about six hours. Once you’ve signed the pre-approval, the turnaround time is approximately 2-3 days to receive final approval. However, it could be faster based upon the circumstances for each application. Certain transactions have received approval within just 24 hours.

    The most efficient method can be ensure you apply during standard business hours. You can also let us use the advance bank verification to confirm your bank details online. If you decide to send us the copies of bank accounts, it will take a little longer.

    What is the time frame to receive the money?

    For the Small Business Loan ($5K up to $100,000) we usually provide a response in one hour – provided you apply at standard business hours and permit us to use the advanced bank verification system to immediately verify your bank account information online. If you want to send us copies of your bank statement, we’ll offer an answer in as little as one business day.

    For the Larger Business Loans ($100K to $500K) we might be in a position to provide you with pre-approval conditional to your application in about 6 hours. After you’ve signed the pre-approval document, you will need to wait between 2 and 3 days for the final approval. However, this could be shorter based upon the circumstances for each application. Some deals have been approved in the space of 24 hours.

    The fastest method can be ensure you apply during normal business hours. Also, allow us to use our modern bank verification link to instantly confirm your bank details online. If you choose to upload the copies of bank accounts, it takes a bit longer.

    How much can I borrow?

    We provide the loan amount between $5,000 and $500,000. If you apply for a certain amount, we will consider a number of factors for determining the health that is your company and the amount of the repayments your business is able to afford. The total amount of your loan will be contingent on the particular circumstances the company.

    When you make an application for a set amount, we look at a range of elements to determine the well-being of the company as well as the amount of payments your business will be able to support. The amount you receive from your loan will depend on the particulars of your business.

    Fees & repayments

    What is the cost for an company loan?

    If you decide to request business loans with us company loan, we will assess the risk assessment for your business and provide you with a customised offer, including loan amount, term and the interest rates. The business loan is a loan that is priced upfront therefore you will be aware of the total amount to be paid, including any interest rates, fees or charges.

    What determines the amount I am charged?

    Business loan interest rates depend on a variety of factors like the amount of money borrowed, what company assets the funds will be used for as well as the field the company is in, how long the company has been running and in the event that the company has sufficient cash flow to cover the loan, as well as the overall well-being or creditworthiness of the company.

    What are the charges?

    There aren’t any hidden charges with our company loans. You’ll know exactly how much you be required to pay, and at what time, from the day you sign up. There’s no compounding and there are no additional charges (as long as you are able to make your payments in time).

    We do not charge an application fee. You are able to get a cash loan with absolutely no upfront cost and no any obligation to sign up.

    The Origination Fee covers the costs associated with setting up and managing the loan. The only way to pay this fee if you decide to take the loan. The Origination Fee for us is 2.5 percentage of the amount of loan.

    Can I pay out the loan early?

    You may choose to pay back the entire amount of the loan at any point in time.

    If you choose to take this route, please speak to our friendly business loan experts. They will offer you with repayment details as well as an early payout amount. It will be calculated using the total of the principal balance and any accrued interest at the date of early payout plus 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 payment dates and to align your cash flow cycle we offer repayments that are either daily or weekly. They will be automatically deducted from your business account.

    Security & privacy

    Will my information be secure?

    Protecting your information, and knowing how we collect, use, exchange and secure your information, is crucial and a vital part of our relationship with you.

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

    Yes. We use industry recognised encryption protocols to safeguard your sensitive, personal financial information and our funders are ISO 27001 qualified for our dedication to customer security and privacy. We use an advanced bank verification system that allows you to instantly confirm your bank account information online, allowing us to provide quick responses.

    About business loans

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

    Asset-based borrowing is when a business owner borrows from assets they own to obtain the funds for a loan. The asset can be either an individual property, such as the family home or it could be a business asset such as a truck or other piece of machinery.

    The vast majority of lenders, not just the largest banks, are inclined to make loans secured by assets. If you’re struggling to pay back the loan, the asset might be taken over by the lender. In essence it is means of securing additional financing using the worth of the asset you already own.

    Do I require security for an business loan?

    For loans of up to $150,000, the requirement for asset security is not required in advance to gain access to the funds but we do require an individual guarantee. As long as you follow your loan obligations (as stipulated in your loan contract document) Asset security will never be needed. For loans that exceed $150K, generally, you are able to get a personal guarantee and security is provided in the form of the charge of assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction houses & auction websites
    • Debt purchasers and debt collection firms
    • Direct marketers including direct-mail, mail order, fundraising, telemarketing etc
    • Financial institutions and lenders
    • {Firearm businesses
    • Foreign currency exchange solutions
    • Customs clearing houses & freight forwarding
    • Gambling related industries
    • Non-profit organisations such as charities and churches etc
    • Panel beaters & smash repairers
    • Pawnbrokers or pawn shops
    • Property development
    • Stockbrokers, shares andinvesment businesses
    • Tattoo palours
    • Taxi or ride sharing services
    • Ticket resellers & entertainment sales
    • Towing services
    • Secondhand automotive dealerships
    • Vehicle glass tintingservices
    • Vehicle wrecking yards

    Although we cannot assist with an unsecure business loan for the above industries, we might be able assist by providing an 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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