Unsecured Business Loans Hillsborough NZ

If You Do This Today, You'll Have Everything You Need to Be Successful With a Hillsborough Business Loan

Unsecured Business Loans Hillsborough

A Hillsborough unsecured business loan is quick and simple to apply for. Request a quick approval and start using the funds for your company.

  • Are additional funds able to help your business in working capital, or in achieving the potential for growth?
  • How are you financing your company needs?

What you can expect:

  • Simple process to apply and be approved for funds as soon as tomorrow
  • Optionally no reayments in the initial four weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3-36 months
  • Competitive rates of interest rates
  • Minimal docs required

The conditions for eligibility for an unsecured business loan for a business loan Hillsborough are fairly minimal.

I'm now able hire a marketer to take my business to the next level.
Growing Hillsborough Business
Business loans, especially one that is an unsecured business loan or line of credit to business funding need to not become a stressfull procedure. Finance for a company in the shape in the form of small business loans at an interest rates and repayment schedule that will suit your company financial needs.
Business Lenders for Business Goals
Business loans with interest rates and repayment terms and flexible repayment options to meet your company requirements.
Business Lending Options
I am now able to fund the renovation of our new Hillsborough resturant without having to pull cash from the other resturants.
Hillsborough Resturant Owner
I am now able to make beverages for customers with the best equipment.
Cafe Owner
I'm able to get my taxes back on time.
Small Business Owner
An easy loan application process with a generous amount of borrowing capacity, a low requirements for credit and there is no requirement to create a business plan. Do not use your personal credit card or company credit cards in order to finance your company.
Unsecured Loans Made Simple
I'm now able take vacation knowing that the Hillsborough company will run well.
Local Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for an company loans within Hillsborough with us is easy and takes only about a couple of minutes, there are no lengthy forms or lines.

Receive approval and funds in 1 to 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Hillsborough businesses of all sorts small, medium even entrepreneurs to obtain money quickly, so that they can utilise the loan to grow and build.

  • It starts with an easy online application or phone call
  • Flexible terms for repayment to fit your business
  • Fast cash in just a day or two days
  • 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 Hillsborough of between $5K to $100K are quite minimal.

  • The minimum period of 6 months for which you must be in business
  • At least $6,000 in income per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for proof of identity
  • Have a New Zealand bank as your principal trading account
  • Bank statements from the past six months

Do you need more money? Review the eligibility requirements for our $100K to $500K company loan.

Here's How Others Have Benefited

Examples of Business Loans

When they purchased a pizza store and 2 liquor stores six to 12 months prior, the new owners needed additional cash. The revenue total was greater than $500K per month and they could borrow $300K and split it into $100K per store on the option of 24- and 36 months. No security over the owner's homes was needed.
Owner of a Pizza Store & 2 Liquor Stores
An interior designer saw an opportunity to expand their company and needed working capital to finance the expansion. With a monthly revenue of $300K they borrowed $250K in 24 months. Their turnaround time was only two days and all they needed for them to present was 12 months of bank statements along with IRD confirmation and their trust deed.
Interior Designer
The owner of a tiny grocery store that earned $70K per 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. Turnaround time was just 6 hours from submitting the application to receiving the funds.
Grocery Store Small Business Loan
A gym that was going for nearly 3 years decided to increase its size and required additional equipment. With monthly revenue of $37K they borrowed $72K over a month period. There was no security requirement for the loan and it was ready in just 24 hours.
A company coach was seeking to invest in a health and beauty company. With just a little more than $12K in monthly revenues the company borrowed $24K over 24 months. The loan was based on twelve months worth of statement and was completed in less than 8 hours.
Business Coach
Simple eligibility checklist

Larger Hillsborough Business Loan Eligibility Criteria

The eligibility requirements of larger Hillsborough company loans of between $100K and $500K include:

  • Minimum of 3 years in business
  • A minimum of $700K annually in revenue
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • You should have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the previous 6 months
  • Certain financial statements include Profit & Loss as well as Aged Accounts Payable and Receivable

You are looking for a lesser amount of funding? Check out the conditions for eligibility for our $5K to $100K Hillsborough unsecured company loans.

Business Lending for a Cash Injection

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

A Hillsborough unsecured loan is great to use for every business need. Get in touch with us today.

  • Renovate or expand commercial properties
  • Grow the team for busy periods
  • Increase stock quantities to meet the demand
  • Create a new site or enhance your marketing
  • Invest in new equipment, tools , or technological advancements
  • Buy extra stock to meet the seasonal demand
  • Manage cash flow fluctuations
  • Plus lots more …

Do you want to start working on one of these idea as quickly as tomorrow? Contact us now or apply online to get the fastest and most efficient process.

Quick application checklist

What do you need to apply

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

In the course of the process and before settlement we will require confirmation of who you are but not before we can begin:

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

After we start in the process, for loans of more than $150,000 you’ll also need 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

    A company coach was looking to invest in a well-being as well as beauty business. With just over $12K in monthly revenue the company borrowed $24K over 24 months. This only required the submission of 12 months' bank statements and was done in 8 hours.
    Business Coach
    The owner of a restaurant wanted to open a second restaurant and needed funding to installation. Their bank was not willing to help. Typical monthly revenue for them was $50K and they borrowed $66K for 24 months. Turnaround was only 8 hours.
    Restaurant Owner
    The owner of a tiny supermarket that was making $70K a month borrowed $76K over a 24 month period, with no payments for the first four weeks. This had a requirement of 12 months' bank statements. The turnaround time was only 6 hours from application to getting the funds.
    Grocery Store Small Business Loan
    With the busy Christmas season approaching, a clothing store required additional working capital to buy more inventory and benefit from discounts from suppliers. They borrowed $20K over 12 months without security of assets required. They received the funds in 24 hours.
    Clothing Store
    A plumber who has worked in the business for three years and has $80K in monthly sales was looking for additional funding. They were able to borrow $153K over the course of 36 months. All that was required is 12 months worth of banking statement and confirmation of the status with IRD. The process was complete within one day, and the plumber got their extra working capital in their account shortly thereafter.

    The lending landscape has changed

    In the wake of traditional lenders and banks tightening credit conditions The steady flow of non-bank and alternative loan providers that are entering the market provides an incredible source to access.

    Hillsborough SME’s are now capable of accessing finance through alternative lenders who service Hillsborough who are focused on enabling company expansion or smoothing cash flow challenges. In the past, private credit options (drawing equity from the home loan, or using credit cards, personal loans and overdrafts) could be the best alternative financing solutions in Hillsborough that were available.

    There’s there is no requirement in the present to depend on real estate to secure business loans. With an unsecured loan business funding is simple. Instead of a term loan through the bank, business finance for an SME with interest rates and loan terms that can help to manage cash flow are around as business loans.



    High level summary

    Separate personal and business debt

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

    • Your home or other investmentsaren’t tied for the purpose of accessing funds
    • It is the company has a better position to build its own credit history
    • It’s considerably more straightforward during tax time
    • Businesses can easily view how they are performing, monitor and plan on being able to clearly evaluate their cash flow situation

    Reduce your risk, and make tax times easier, get started with an unsecure loan for business, apply today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your personal and business assets separate can be that your house isn’t tied to allow access to the funds. For a modest business loan in Hillsborough up to $100K asset security won’t be required as in the event that the borrower has met their loan obligations.

    Credit history

    Businesses are in a more favourable long-term financial position if they can demonstrate good credit/debt capacity to pay.


    A separation between personal and business finances makes it significantly more seamless with regards to tax time - especially when it comes to determining the tax-deductible allocation. The IRD has set out the rules on the evidence required to claim deductions on an individual’s tax return. This is a subject that the IRD have specifically advised on.

    Cash flow

    A well-organised cash flow management system is crucial to the long-term success in any business. Through keeping the personal financial and business finances separate, businesses can easily view their cash flow, plan and monitor it based on the ability to clearly assess their cash flow position.

    I'm now able to hire an experienced marketer to help me take my business to the next level of business growth.
    Growing Business
    Business loan interest rates and repayment terms and flexible repayment options to meet you business needs.
    Business Lending Options
    I'm now able to prepare beverages for customers using the best equipment.
    Cafe Owner
    I'm now able fund the fitout of our modern Hillsborough resturant without having to pull cash from the other restaurants.
    Hillsborough Resturant Owner
    I'm able to get my taxes back on track.
    Small Business Owner
    Simple loan application procedure that comes with a high amount of borrowing capacity, a low credit criteria and no requirement to provide 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, particularly an unsecured unsecured business loan or line of credit for business financing require to not become a stressfull procedure. Business finance is in the form in the form of small business loans with an interest rates and repayment time which is compatible with the needs of your company financial needs.
    Business Lenders for Business Goals
    I'm now able take vacation knowing that my Hillsborough business will run effortlessly.
    Local Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Hillsborough Small Business Loans

    Let me know more about Hillsborough Small Business Loans

    Hillsborough unsecured loans provides the range of $5,000 to $100,000, with terms ranging from 3 and 24 month and cash flow-friendly repayments that are either per day or weekly.

    What is what makes the Unsecured Loan different from an ordinary company loan?

    It is possible to apply to your Small Business Loan in under 10 minutes via the internet or by phone. You will receive a same day response and the funds could be in your account within 24 hours. Traditional business loans are based on an annual rate of interest along with other charges and fees. We offer a company loan is a loan that is priced upfront which means you know ahead of time the total amount to be paid, including any fees, interest or charges. Then, it is broken down into weekly or daily payment amount.

    What could 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, business remodeling, marketing to purchase inventory or new equipment, to fund general working capital and much more. The loan cannot be used for personal purposes.

    About the Larger Hillsborough Business Loans

    What is the Larger Hillsborough Business Loan?

    The Larger Business Loan is a larger amount of loan to help business expansion opportunities. Loans are between $100,000 and $500,000 with a term fixed that can last up to 36 months. Repayments are either weekly or fortnightly in order to accommodate your situation.

    How is the Origination Fee determined?

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

    Am I eligible for the Larger Business Loan?

    To be eligible for a loan that is this large the business needs to have been operating for at least three years and generate an annual revenue of $700K. The applicant must also be a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old, own a New Zealand company (with a valid NZBN/IRD) and be able of proving at minimum 12 months of continuous trading.

    How can the funds be used for?

    A Larger Business Loan can be used to fund almost all business use, including company renovations, to purchase equipment or inventory as well as for general working capital and so much more. The loan is not available for personal use.

    Is the Larger Business Loan one that requires security?

    Asset security is needed for funding of more than $150,000. It’s by taking a charge against assets, which could also include registration in the PPSR or the registration of as a caveat.

    A personal or director’s guarantee is a commitment to repay a loan which is general in nature rather than defining the security of a specific asset. The person signing the guarantee is personally liable in the event that the company borrower is unable to pay back the debt.

    The Personal Property Securities Register (PPSR) is a central, national online register run by the New Zealand Government. It reflects security interests granted to individuals who own personal property (including items or assets). The PPSR gives prioritisation over property that is personal to be granted according to the date a security interest that is registered.

    Caveats are legal document filed to offer an official notice of a claim to property.

    What is a pre-approval without Credit Check?

    If you’re requesting an enterprise loan of $250K or more it is possible to offer a preliminary pre-approval to help make the process. It is possible to apply for this without a credit verification and within six hours of your initial application. The pre-approval is based upon a preliminary assessment which includes you answering a few financial well-being checks. It’s in no way an offer, nor is it a guarantee of finance. Unconditional approval is subject to a full credit assessment and any offer that you might receive could have different conditions.

    Application process

    Are I eligible for funding?

    You may apply for a company loan if you

    • are a New Zealand Citizen (or Permanent Resident)
    • are 18 years or older, have a New Zealand business (with a valid NZBN/IRD)
    • must show at least six 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 quick and simple. Just fill out the online application within a couple minutes, and an experienced company lending specialist will contact you to help you.

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

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

    $100K – $250K: Application requirements, including credit consent, 6-12 months of IRD statements, bank statements (if you have a loan of more than $150K).
    $250K – $500K: Information on the application including credit consent twelve month bank accounts, the IRD statements, last 2 years finalised financial statements, plus interim financial statements for the current year as well as Aged Payables and Receivables summary.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K up to $100,000) we typically provide an answer within an hour, provided you apply during standard company timings and allow us to utilise the advanced bank verification system to immediately verify your bank account information online. If you decide to send us copies of your bank statements , we will be able to offer the decision in as little as the span of one company day.

    For the Larger Business Loan ($100K or more) we could be capable of offer you with pre-approval conditional to your application in around 6 hours. Once you have signed the pre-approval, turnaround times are approximately 2-3 days to receive final approval, however this could be shorter based on the circumstances of each application. Certain agreements have been approved within just 24 hours.

    The quickest way to apply for you to apply is make sure you apply during standard business hours. You can also let us use the advance bank verification link to verify your bank information online. If you decide to send us duplicates of your banking statements , it may take a bit longer.

    How soon will I receive the money?

    For the Small Business Loan ($5K or more) We can usually offer an answer within an hour – provided you make your application in normal business hours and permit us to use the advanced bank verification system link to instantly verify your bank information online. If you want to upload copies of your banking statements, we are able to offer an answer in just 1 business day.

    If you are applying for Larger Business Loans ($100K and up) we may be in a position to offer you with pre-approval conditional to your application in around 6 hours. Once you’ve signed your pre-approval, the turnaround time is between 2 and 3 days for the final approval. However, this may be quicker depending on the specifics of each application. Certain agreements have been approved within less than 24 hours.

    The fastest way is to make sure you apply during normal business hours and let us use the advanced bank verification system to verify your bank information online. If you upload documents from your account statements it may take a bit longer.

    How much can I borrow?

    We provide loan amounts between $5,000 to $500,000. When you submit an application for a certain amount we take into consideration a range of aspects that determine the well-being that is your company and the extent of repayments your business can afford. The total amount of the loan will be determined by the particular circumstances the business.

    If you apply for a set amount, we consider a variety of aspects to assess the well-being for your company and the extent of the repayments your business can support. The total amount of your loan will depend on the specific circumstances that are unique to your business.

    Fees & repayments

    What is the cost for a company loan?

    When you make an application for the business credit, we’ll assess the risk profile of your company and offer an individualised proposal that includes loan amount, term and the interest rates. It is a business loan is an upfront priced loan so you will be aware in advance of the total amount to be paid, including any costs, fees, or interest rates.

    What is the factor that determines the price I pay?

    The interest rates on company loans rates depend on a variety of factors like the amount of money borrowed, the business assets the funds are used to purchase and the sector the company is in, how long the company has been in operation for, what percentage of the company has enough cash flow to support the loan, and overall health or financial standing of the business.

    What are the costs?

    There are no hidden fees with our business loans. You’ll know exactly how much it is that you be required to pay and when, right from day one. There’s no compounding interest, and no extra fees (as long as you are able to make your payments punctually).

    We do not charge an application fee. You can get a cash loan with no upfront cost or obligation to proceed.

    The Origination Fee is the cost associated with setting up and managing the loan. It is only charged for this fee if you decide to take the loan. The Origination Fee for us is 2.5 percent of the amount of loan.

    Can I repay the loan earlier?

    You can choose to repay the entire amount of your loan in full at any time.

    If you choose to do this please talk to one of our helpful company loans experts. We will offer you with repayment details as well as an early payout amount. The figure will be calculated as the sum of the principal balance and accrued interest to the time of early payout and 1.5 percent of the remaining principal and any outstanding fees.

    What are the repayment methods?

    To make sure you do not miss payment dates and to align with your cash flow cycle we offer repayments that are either daily or weekly. They will be automatically deducted from the nominated company account.

    Security & privacy

    Will my information be protected?

    Making sure that your information is secure, and being clear about the ways we gather data, process, exchange and ensure the security of your information is vital and a vital part of our relationship with you.

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

    Yes. We employ industry-recognised encryption protocols to safeguard your sensitive, personal financial and other data. Our funders are ISO 27001 certified for our dedication to the security of our customers as well as their privacy. We employ an exceptionally sophisticated bank verification system to instantly verify your bank account information online. This allows us to provide quick responses.

    About business loans

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

    Asset-based borrowing is when a company owner makes use of an asset they own to get the funding. The asset may be a personal asset like the family home, or a business asset like a truck or piece or equipment.

    The majority of lending institutions, not just the largest banks, are inclined to secure loans against assets. If you are having difficulty paying back the loan then your assets could be offered for sale by the lender. In essence it’s a way of securing new financing by making use of the value of what you already have.

    What do I require security for an company loan?

    For loans of up to $150K, no asset security is required before you can access the money However, we do need the personal guarantee. If you adhere to your loan commitments (as stipulated in the loan contract) Asset security will never be needed. For loans over $150K generally, you are able to get an individual guarantee and security in the form a charge over assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites or auction houses
    • Debt purchasers and debt collection companies
    • Direct marketers such as direct-mail, mail order, fundraising, telemarketing etc
    • Financial institutions and lenders
    • {Firearm businesses
    • Foreign currency exchange offerings
    • Freight forwarding & customs clearing houses
    • Anything gambling related
    • Not-for-profit organisations, charities and churches etc.
    • Panel beaters & smash repairers
    • Pawn shops and pawnbrokers
    • Property development
    • Shares, stockbrokers and investment businesses
    • Tattoo studios
    • Ridesharing or taxi services
    • Entertainment sales and ticket resellers
    • Towing services
    • Used car dealers
    • Car glass tinting
    • Car wrecking yards

    Although we can’t help with an unsecure business loan for these types of industries, we may be able to help you by providing 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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