Unsecured Business Loans Mairangi Bay NZ

By This Tomorrow You Could Be On The Right Track To Success With a Mairangi Bay Business Loan

Unsecured Business Loans Mairangi Bay

A Mairangi Bay unsecured business loan is simple and quick to apply for. Apply for a loan quickly and begin using the money to grow your business.

  • Are additional funds able to help your business in working capital, or to realise the potential for growth?
  • What are the very best ways to finance your business requirements?

What you can expect:

  • Simple process to apply to be approved and receive cash as quickly as tomorrow
  • Optionally no reayments in the first 4 weeks
  • From $5k to $500K in loans
  • Terms from three to thirty-six months
  • Competitive interest prices
  • Minimal docs

The conditions for eligibility for an unsecured business loan to be made in Mairangi Bay are fairly minimal.

I'm now able to hire a marketing specialist to take my company to the next stage.
Growing Mairangi Bay Business
Business loans, particularly an unsecured unsecured business loan or line of credit to business funding require never be an stressfull procedure. Business finance can be in the form in the form of small business loans at a fixed interest rate cost, and with a repayment period that is suitable for the requirements of your company liquidity.
Business Lenders for Business Goals
I'm able to get my taxes back on track.
Small Business Owner
Business loans with interest rates and repayment conditions, and flexible repayment options to fit your business needs.
Business Lending Options
A straightforward loan application process that comes with a high loan limit, with minimal requirements for credit, and no requirement to present a business plan. Do not use your personal credit card and business credit cards to finance your business.
Unsecured Loans Made Simple
I'm now able take an extended vacation knowing that my Mairangi Bay company will run without a hitch.
Local Business Owner
I am now able to fund the construction of our newly constructed Mairangi Bay resturant without having to pull cash from the other resturants.
Mairangi Bay Resturant Owner
I'm now able make the coffee I serve my clients with the best equipment.
Cafe Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for an business credit for company in Mairangi Bay with us is easy and takes only a few minutes, no piles of paperwork or long waits.

Receive approval and funds within 1 to 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Mairangi Bay businesses of all types, whether small, medium or entrepreneurs to obtain funds quickly so that they can make use of the loan to grow and build.

  • It begins with an easy online application or by phone
  • Flexible repayment terms to suit your company
  • Fast funding within a day or two days
  • A team wanting both you and your business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Mairangi Bay of between $5K to $100K are quite minimal.

  • The minimum period of 6 months for which you must be in business
  • A minimum of $6,000 in revenue per month
  • You must be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for identification proof
  • Make sure you have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the past six months

Need more funds? Take a look at the conditions of eligibility for our $100K to $500K business loans.

Here's How Other People Have Benefited

Examples of Business Loans

A gym that had been operating for over three years decided to increase its size and was in need of additional equipment. With a monthly income of $37K, they borrowed $72K over a 24 month period. No security was required for the loan and it was ready within only 24 hours.
A plumber who's operated their business for three years with 80K in monthly sales was looking for more funding. They took out $153K on a 36 month term. The only thing needed was 12 months of bank statement and confirmation from the IRD. The process was complete within an hour and the plumber got their extra working capital in their account shortly thereafter.
A designer for interiors had seen an opportunity to increase the size of their business and needed working capital to finance the growth. With a monthly income of $300K, they took out a loan of $250K for 24 months. Turnaround time for them was just 2 days and all they needed for them to present the required documents were twelve months' bank statement IRD confirmation, IRD confirmation and their trust deed.
Interior Designer
Following the purchase of a pizza store and 2 liquor stores 6-12 months earlier the new owners were seeking more funds. The total revenue of the two stores was more than $500k per month. They were able to obtain $300K. This was then split as $100K for each store, with a mix of 24 and 36 month terms. No security over the owners homes was needed.
Owner of a Pizza Store & 2 Liquor Stores
A company coach wanted to invest in the well-being and beauty company. With just a little more than 12K in revenue per month, they borrowed $24K over 24 months. The loan was based on 12-month bank statements and was completed in less than 8 hours.
Business Coach
Simple eligibility checklist

Larger Mairangi Bay Business Loan Eligibility Criteria

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

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

Are you looking for a lower amount of funds? Find out the eligibility requirements for our $5K to $100K Mairangi Bay unsecured company loans.

Business Lending for a Cash Injection

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

A Mairangi Bay unsecured loan is perfect for virtually every company use. Call us now.

  • Remodel or expand commercial properties
  • Hire more staff during busy times
  • Grow stock quantities to meet the demand
  • Build a new website or improve your marketing
  • Put money into new equipment, tools or technology
  • Purchase additional stock to meet seasonal demand
  • Manage 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 today or send an application online to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All you need for starting is your contact details (the name of your company, your name, email and phone), how much you’d like to borrow and your monthly income.

During the process and before settlement we’ll require confirmation of who you are but not to get started:

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

In addition, once we have started when it comes to loans that exceed $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

    The owner of a modest grocery store that earned $70K per 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. Turnaround time was just 6 hours from the moment you applied to receiving the money.
    Grocery Store Small Business Loan
    A company coach was seeking to invest in an health as well as beauty company. With a little over $12K in monthly revenues, they borrowed $24K over 24 months. The loan required the submission of 12 months' bank statements and was completed in just 8 hours.
    Business Coach
    With the busy Christmas time fast approaching, a clothes store required working capital in order to buy more stock and take advantage of a supplier discount. They were able to borrow $20K for 12 months, with no security for assets and received the funds in less than 24 hours.
    Clothing Store
    A restaurant owner wanted to open a second restaurant and needed funds for the fit out. The bank they approached wasn't interested in helping. The average monthly income for them was $50K and they borrowed $66K over the course of 24 months. The turnaround time was just 8 hours.
    Restaurant Owner
    An interior designer had noticed an opportunity to grow their business and needed working capital in order to finance this expansion. With monthly revenue of $300K they took out a loan of $250K for 24 months. Their turnaround time was just two days, and all they needed for them to present were 12 months worth of banking statement IRD confirmation, IRD confirmation and trust deed.
    Interior Designer

    The lending landscape has changed

    With traditional and bank lenders tightening credit conditions, the steady stream of non-bank and alternative loan providers that are entering the market offers an incredible source to access.

    Mairangi Bay SME’s are now capable of accessing finance through alternative lenders who service Mairangi Bay who are focused on enabling company expansion or smoothing out cash flow issues. In the past, the personal sources of credit (drawing equity from the home loan, or using credit cards or personal loans, as well as the overdraft) were the only alternative financing services in Mairangi Bay that were available.

    There’s an end to the requirement to rely on using real estate to secure company lending. With an unsecured loan business financing is easy. Instead of a traditional term loan from banks, business finance for a small company with interest rates and loan terms that can help with cash flow are around as business loan options.



    High level summary

    Separate personal and business debt

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

    • Your home, or other investment properties, aren’t held to allow access to funds
    • The business has a better position to create its own credit history
    • It is significantly more seamless when it comes to tax time
    • Businesses can easily assess, monitor and plan based on being able to easily determine their cash flow position

    Limit your exposure, make your tax time simpler, start with an unsecure business loan. Apply today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your business and personal company assets separate is that your home isn’t necessarily tied up to allow access to the funds. In the case of a business loan in Mairangi Bay up to $100K the security of assets won’t be needed as in the event that the borrower has met their loan obligations.

    Credit history

    Companies will be in a advantageous long-term situation if they can demonstrate good credit/debt ability to service.


    The separation of personal as well as company finances makes it significantly more seamless with regards to tax time - particularly when identifying what is the tax-deductible amount. The IRD has laid out rules on the evidence required to be able to claim deductions on a business’s tax return. This is an area the IRD has advised specifically on.

    Cash flow

    Effective cash flow management is key for the longevity in any business. Through maintaining personal as well as business finances distinct, companies can easily view the situation, track and plan based on their ability to easily determine their cash flow status.

    Business loans, in particular those that are unsecured business loan or line of credit for business financing require have no stressful process. Business finance in the form of small business loans that have an interest rate cost, and with a repayment time that will suit the requirements of your company financial needs.
    Business Lenders for Business Goals
    I am now able to make the coffee I serve my customers using the very best equipment.
    Cafe Owner
    Business loans with interest rates and repayment terms as well as flexible repayment options that can be tailored to your business needs.
    Business Lending Options
    I can now hire an experienced marketer to help me help me take my business to the next step of business growth.
    Growing Business
    I am now able to take vacation knowing that my Mairangi Bay company will run without a hitch.
    Local Business Owner
    I can get my tax back to keep me on track.
    Small Business Owner
    I'm now able fund the fitout of our fresh Mairangi Bay resturant without having to pull cash from the other resturants.
    Mairangi Bay Resturant Owner
    A simple loan application process with a large borrowing limit, minimal requirements for credit and there is no requirement to provide a business plan. You no longer need to use your personal credit card or business credit cards as a way to fund your company.
    Unsecured Loans Made Simple
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    More about the Mairangi Bay Small Business Loans

    Tell me how you can avail the Mairangi Bay Small Business Loans

    Mairangi Bay unsecured loans provides amounts between $5,000 and $100,000 with terms between 3 and 24 months, cash flow friendly repayments that are either daily or weekly.

    How is this Unsecured Loan different from a traditional business loan?

    Apply for the Small Business Loan in under 10 minutes online or on the phone. You’ll receive an immediate response, and have the funds available in just 24 hours. Traditional business loans reference an annual interest rate as well as other fees and charges. Our business loan is an upfront priced loan so you will be aware of the total amount payable including any interest, fees or charges. Then, it is divided into a daily or weekly amount to be paid back.

    What could the Small Business Loan be used for?

    A Small Business Loan can be used to fulfill almost any business use, including cash flow management, company renovations, marketing to purchase inventory or new equipment, or as general working capital and so much more. The loan cannot be used for personal use.

    About the Larger Mairangi Bay Business Loans

    What is the Larger Mairangi Bay Business Loan?

    The Larger Business Loan is a larger size loan to aid in company expansion opportunities. Loans are between $100,000 and $500,000 with a fixed-term with a maximum of 36 months. Repayments are weekly or fortnightly in order to accommodate your situation.

    How is the Origination Fee calculated?

    The Larger Business Loan has an Origination Fee that is calculated at 2.5% of the loan amount.

    Can I get the Larger Business Loan?

    To qualify for a loan in this amount, your business needs to have been trading for at least 3 years and have an annual turnover of $700,000. Your company must belong to a New Zealand Citizen (or Permanent Resident) at least 18 years old as well as own a New Zealand business (with a valid NZBN/IRD) and be able of proving at least 12 months of trading.

    How can the funding be utilised?

    A Larger Business Loan can be used for almost all company purpose including business renovations, to purchase inventory or new equipment for general working capital and much more. The loan cannot be used for personal purposes.

    Is the Larger Business Loan one that requires security?

    Asset security is necessary for accessing funds over $150,000. This can be done by way of charge on assets, and could be registered in the PPSR or registering a caveat.

    A personal or director’s guarantee is a promise to repay credit that is generally in nature rather than specifying security over an asset. The person who is signing the guarantee is personally accountable if the company lender is not able to make the repayment.

    The Personal Property Securities Register (PPSR) is a central, national online registry run by the New Zealand Government. It lists security interests that are granted to individuals who own personal property (including objects or assets). The PPSR gives prioritisation over property that is personal to be assigned in accordance with the date on which a security interest was registered.

    An affidavit is an official form of document to offer the public notice of a legal claim to a property.

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

    When you’re applying for a Larger Business Loan that exceeds $250K, we may offer a preliminary pre-approval to help make the process. It is possible to make this decision without credit checks and within 6 hours of the initial application. This pre-approval is made based on a preliminary assessment which includes answering a couple of financial health checks. It is in no way an offer, nor is it a guarantee of financing. A conditional approval is subject a full credit assessment and any offer that you receive could be subject to different terms.

    Application process

    Do I qualify for funds?

    You can apply for an business loan if you:

    • are a New Zealand Citizen (or Permanent Resident)
    • are over the age of 18 and own a New Zealand business (with a valid NZBN/IRD)
    • can demonstrate at least 6 months worth of trade (for the unsecured loan $5K – $100K) or 3 years of trading (for the Larger Business Loan $100K up to $500K)

    How do I apply?

    The application process is quick and simple. Complete the online form in few minutes and a dedicated company credit specialist will contact you to guide you.

    To apply for up $100,000, you’ll need proof of identity (valid Driver’s Licence) and an active NZBN/IRD, and at least six months worth of bank statements.

    Otherwise, for larger loan sizes, you’ll need:

    $100K to $250K: Application details including credit approval, 6-12 months of IRD statements, bank statements (if you have a loan of more than $150K).
    $250K-$500K: Details for application including credit consent, 12 months of bank records, IRD statements, last 2 years finalised financial statements, as well as interim financials for the current financial year including Aged Payables, Aged Receivables Summary.

    How fast will I get an answer?

    For an unsecured loan ($5K to $100K) we typically offer an answer within an hour – as long as you make your application within quality business hours and let us 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 bank statements , we will be able to provide the decision in as little as 1 company day.

    For Larger Business Loans ($100K to $500K) we could be likely to provide you with a conditional pre-approval within 6 hours. Once you’ve signed the pre-approval, the turnaround time is around 2-3 days for final approval. However, this could be shorter based on the particular circumstances of each application. Certain offers have been approved within the space of 24 hours.

    The quickest way to apply is to ensure you apply during standard business hours and allow us to use the modern bank verification link to verify your bank information online. If you decide to upload documents from your account statement, it will take a little longer.

    How fast will I get the funds?

    For the Small Business Loan ($5K and up) we can often provide an answer in just one hour, provided you submit your request at normal business hours and allow us to use the bank verification system to immediately verify your bank account information online. If you want to send us copies of your bank statement, we’ll offer an answer in as little as one business day.

    For the Larger Business Loans ($100K up to $500,000) we may be in a position to offer the conditional pre-approval within 6 hours. Once you’ve signed your pre-approval, turnaround times are about 2-3 days for final approval, however it could be faster based on the specifics of each application. Some transactions have received approval within less than 24 hours.

    The fastest method can be ensure you apply during normal business hours. Also, let us use the advance bank verification to verify your bank account information online. If you choose to upload duplicates of your banking statements it takes a bit longer.

    How much can I borrow?

    We offer loans ranging from $5,000 to $500,000. If you apply for a certain amount, we take into consideration a range of aspects for determining your well-being of your business and the level of payments your company can afford. The amount you receive from the loan will be determined by the specifics the business.

    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 of your company and the level of repayments that your company can support. The total amount of your loan will depend on the specifics the company.

    Fees & repayments

    What is the cost for an business loan?

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

    What is the basis for the rate I pay?

    The interest rates on company loans rates vary due to variables like the amount to be borrowed, the business assets the funds will be used for as well as the field the business operates in, the long the business has been in operation, how long the company has enough cash flow to cover the loan, and general well-being or creditworthiness of the company.

    What are the costs?

    There are no hidden costs for our business loans, and you’ll be aware of the amount you’ll need to pay, and at what time, from the first day. There’s no compounding interest and there are no additional charges (as long as you make your payments in time).

    We don’t charge an Application Fee. You can make an application for loans with no upfront cost or the obligation to take action.

    The Origination Fee is the cost associated in establishing and managing the loan. It is only charged for this cost if you take out the loan. Our Origination Fee is 2.5 percentage of the loan amount.

    Can I pay out the loan earlier?

    You can decide to repay the entire amount of the loan at any point in time.

    If you choose to pursue this option, please contact our helpful business credit experts. They’ll offer you with details on repayment along with an early payout estimate. The figure will be calculated as the sum of the principal amount remaining plus any accrued interest as of the time of early payout plus 1.5 percent of the principal remaining plus any outstanding fees.

    What is the process for repayments?

    To make sure that you don’t miss due dates and also to be in line with your cash flow routine, we offer repayments that are either weekly or daily. They are automatically deducted from your company account.

    Security & privacy

    Will my data be protected?

    Making sure that your information is secure, and being clear about how we collect, use, exchange and ensure the security of your information is vital and is an essential element of our relationship with you.

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

    Yes. We utilise industry-recognised encryption standards to secure your sensitive, personal financial information and our funders are ISO 27001 certified for our dedication to customer security and security. We utilise a sophisticated bank verification system that allows you to instantly verify your bank account details online. This allows us to offer an immediate response.

    About business loans

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

    Asset-based borrowing is when the company owner borrows from the assets they have to make the funding. The asset may be an individual property, such as the family home, or it could be a company asset such as a vehicle or piece or equipment.

    The vast majority of lenders, even the largest banks, are inclined to guarantee loans against an asset. If you’re having trouble paying back the loan then the asset could be offered for sale by the lender. In essence it’s an opportunity to secure new financing making use of the value of what you already own.

    What do I need security for a company loan?

    For loans up to $150K there is no requirement for asset security in advance to gain access to the funds However, we require a personal guarantee. require an individual guarantee. As long as you follow your loan commitments (as specified in the loan contract) Asset security will never be needed. For loans of over $150,000 generally, you can get a personal guarantee and security in the form of the charge of assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction houses and auction websites
    • Debt purchasers & debt collection agencies
    • Direct marketing such as telemarketing, fundraising, mail order, direct-mail etc
    • Finance lenders or institutions
    • {Firearm related businesses
    • Foreign currency exchange services
    • Freight forwarding & customs clearing houses
    • Business involved with gambling
    • Non-profit organisations, charities and churches etc
    • Panel beaters & smash repairers
    • Pawn shops or pawnbrokers
    • Property developers
    • Shares, stockbrokers or investment businesses
    • Tattoo studios
    • Ride-sharing or taxi services
    • Ticket resellers & entertainment sales
    • Vehicle towing services
    • Used automotive companies
    • Car glass tinting
    • Vehicle wrecking yards

    While we aren’t able to help with an unsecured business loan in these industries, we may be able to assist 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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