Unsecured Business Loans Manukau NZ

If You Do This Today, You'll Be Getting Ready For Success With a Manukau Business Loan

Unsecured Business Loans Manukau

A Manukau unsecured business loan is quick and easy in applying for. Approve your loan in a matter of minutes and begin using the money in your company.

  • Do you think that additional funds could help your business by allowing you to work capital or to realise an opportunity to grow?
  • What is the financing strategy you are using to fund your company requirements?

You can expect:

  • Easy process to fill out and be approved for money as early as tomorrow
  • No reayments are permitted in the first 4 weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3-36 months
  • Competitive rates of interest rates
  • Minimal documentation required

The eligibility requirements for an unsecured business loan within Manukau are fairly minimal.

Simple loan application procedure with a large loan limit, with minimal requirements for credit and no requirement to create a business plan. You no longer need to use your personal credit card and business credit cards as a way to fund your business.
Unsecured Loans Made Simple
I'm now able fund the construction of our fresh Manukau resturant without having draw cash from other locations.
Manukau Resturant Owner
I can now take time off knowing that it is safe knowing that Manukau company will run smoothly.
Local Business Owner
Business loans, specifically an unsecured unsecured business loan or line of credit to business funding need have no stressful process. Finance for a business in the shape of small business loans that have an interest rate and repayment schedule which is compatible with the requirements of your business budget.
Business Lenders for Business Goals
I'm able to get my taxes back on time.
Small Business Owner
I'm now able hire an specialist marketer to boost my business to the next level.
Growing Manukau Business
I'm now able make coffee for my customers with the very best equipment.
Cafe Owner
Business loans with interest rates and repayment terms and flexible repayment options that can be tailored to your company requirements.
Business Lending Options
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting a company loans for company in Manukau with us is easy and takes only some minutes, without lengthy forms or lines.

Approved and receive money within 1-2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We aim to help Manukau businesses of all types, whether small, medium or solopreneurs to access funding fast so they can utilise the loan to expand and develop.

  • It begins with an easy online application or by phone
  • Flexible terms for repayment to fit your business
  • Fast cash in just a day or two days
  • A team wanting you and your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • A minimum of six months in business
  • A minimum of $6,000 in revenue per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for proof of identity
  • Make sure you have an account with a New Zealand bank as your principal account for trading
  • Bank statements from the past six months

Looking for more funding? Take a look at the guidelines for eligibility for our $100K to $500K company loans.

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 growth. With a monthly revenue of $300K they took out a loan of $250K for 24 months. The time to turn around for them was just 2 days and all they had for them to provide the required documents were twelve months' bank statement, IRD confirmation, and trust deed.
Interior Designer
A gym that was in operation for more than 3 years decided to increase its size and needed more equipment. With a monthly income of $37K, they borrowed $72K over a 24- month period. No security was needed and the loan was ready within the span of 24 hours.
The busy Christmas season was fast approaching, a clothes store needed working capital to buy more inventory and to take advantage of a supplier discount. They borrowed $20K over 12 months with no security for assets and received the money in just 24 hours.
Clothing Store
The owner of a small supermarket that was making $70K a month borrowed $76K over a 24-month term , without making any repayments for the first four weeks. This was contingent on 12 months of bank statements. The turn around time was 6 hours from application to getting the funds.
Grocery Store Small Business Loan
A company coach was looking to invest in a well-being and cosmetics business. With just under twelve thousand dollars in monthly income they borrowed $24K in 24 months. The loan required the submission of 12 months' bank statements and was done in only 8 hours.
Business Coach
Simple eligibility checklist

Larger Manukau Business Loan Eligibility Criteria

The criteria to be eligible to be eligible for the larger Manukau company loans of between $100K and $500K include:

  • Minimum of 3 years in business
  • At least $700K in annual income
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification proof
  • Make sure you have an account at a New Zealand bank as your principal account for trading
  • Bank statements from the past 6 months
  • Certain financial statements, such as Profit & Loss and the Aged Accounts Payable and Receivable

Are you looking for a lower amount of money? Find out the guidelines for eligibility for our $5K to $100K Manukau unsecured business loans.

Business Lending for a Cash Injection

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

A Manukau unsecured loan is perfect for virtually any business reason. Talk to us today.

  • Remodel or expand commercial properties
  • Grow the team for busy times
  • Boost stock levels to keep up with demand
  • Build a new website or enhance your marketing
  • Put money into new tools, equipment or technological advancements
  • Purchase additional stock to meet 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 you need for starting is your contact information (the name of your company, your name, email and telephone) and the amount you’d like to borrow as well as your monthly income.

During the process and before settlement we’ll require confirmation of who you are but not before we can begin:

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

Once we’ve started, for loans that exceed $150,000, you’ll require the following financial statements:

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started now.


Apply Now

    Please prove you are human by selecting the Key.

    Here's How Others Have Benefited

    Examples of Business Loans

    The owner of a restaurant wanted to open a second establishment and needed funding to fit out. Their bank was not willing to help. The typical monthly income for them was $50K. They borrowed $66K in 24 months. It took only 8 hours to get access to the funds.
    Restaurant Owner
    The owner of a small grocery store doing $70K a month borrowed $76K over a 24-month term , without making any repayments during the initial 4 weeks. This was contingent on 12 months of bank statements. Turnaround time was just 6 hours from application to getting the funds.
    Grocery Store Small Business Loan
    A designer for interiors had seen an opportunity to grow their company and needed working capital to fund this growth. With an annual revenue of $300K they borrowed $250K in 24 months. The turnaround time was only two days and all they had to provide is 12 months' worth of Bank statements, IRD confirmation, and trust deed.
    Interior Designer
    A plumber who has worked in the business for three years and has $80K in monthly sales was looking for more funding. They were able to borrow $153K over the course of 36 months. The only thing needed were 12 months' worth of statement and confirmation of their status with IRD. The process was completed in less than an hour and the plumber was able to access their working capital in their account soon afterward.
    A gym that was running for more than three years was looking to expand and needed more equipment. With an average monthly revenue of $37K they borrowed $72K over a month period. No security was needed and the loan was ready within just 24 hours.

    The lending landscape has changed

    With banks and traditional lenders tightening their credit terms, the steady stream of alternative and non-bank loan providers that are entering the market provides an excellent source to make use of.

    Manukau SME’s are now able to access finance through alternative lenders who service Manukau who are focused on enabling business expansion or smoothing out problems with cash flow. In the past, the personal sources of credit (drawing equity from the home loan or credit cards or personal loans, as well as overdrafts) were the only alternative funding solutions within Manukau that were available.

    There is now no need of having to rely on using real estate to secure company credit. With an unsecured loan, business funding is simple. Instead of a term loan through banks, business finance for an SME with interest rates and loan terms that aid to manage cash flow are around as business lending options.



    High level summary

    Separate personal and business debt

    There are many benefits in separating personal from company debt.

    • Your home or other investments, aren’t tied up in order to access funds
    • The business will be in more favourable position to build its own, solid credit history
    • It’s much more straightforward when it comes to tax time
    • Businesses can easily view the situation, track and plan based on the ability to clearly evaluate their cash flow situation

    Lower your risks, make the tax process much 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 private and company assets separate can be that your home isn’t necessarily tied up for access to the money. In the case of a business loan in Manukau up to $100K, asset security will not be needed as long as the borrower fulfills the loan requirements.

    Credit history

    Businesses are in a more favourable long-term financial position if they can show good credit and debt serviceability.


    Separating personal and business finances makes it significantly more seamless with regards to tax time - particularly when identifying what is the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has set out guidelines on the proof required to claim deductions on an individual’s tax return. This is an area where the IRD has specifically advised on.

    Cash flow

    Effective management of cash flows is key for the long-term survival in any company. Through keeping your personal finances and company finances separate, businesses can easily view their cash flow, plan and monitor it based on their ability to accurately evaluate their cash flow situation.

    I can get my tax back in order.
    Small Business Owner
    I'm now able to prepare espresso for clients with the best equipment.
    Cafe Owner
    I am now able to fund the construction of our modern Manukau resturant without having to take cash from other ones.
    Manukau Resturant Owner
    Business loans, especially an unsecured unsecured business loan or line of credit for business financing need have no difficult process. Business finance is in the form in the form of small business loans at an interest rate cost, and with a repayment period that will suit the requirements of your company cash flow.
    Business Lenders for Business Goals
    Business business loans, interest rates and repayment conditions, and flexible repayment options to meet your business requirements.
    Business Lending Options
    I am now able to take time off knowing that my Manukau company will run without a hitch.
    Local Business Owner
    A simple loan application process with a generous borrowing limit, minimal requirements for credit, and there is no need to present a business plan. Do not use your personal credit card and business credit card to fund your company.
    Unsecured Loans Made Simple
    I can now hire an specialist marketer to take my business to the next stage of business growth.
    Growing Business
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    More about the Manukau Small Business Loans

    Tell me about the Manukau Small Business Loans

    Manukau unsecured loans offers amounts between $5,000 and $100,000. Terms range from 3 and 24 months and cash flow friendly repayments that are either daily or weekly.

    What is how is the Unsecured Loan different from an ordinary business loan?

    Apply for your Small Business Loan in under 10 minutes online or over the phone, receive an answer within the same day and the money could be in your account within 24 hours. Traditional business loans are based on an annual rate of interest plus other fees and charges. The company loan is a pre-paid loan therefore you’ll know ahead of time the total amount payable including any interest, fees or charges. This is then divided into weekly or daily repayment figure.

    What could the Small Business Loan be used for?

    A Small Business Loan can be used for virtually every company reason, such as control of cash flow business remodels and marketing to purchase inventory, new equipment, for general working capital, and much more. The loan is not available for personal use.

    Concerning Larger Manukau Business Loans

    What is the Larger Manukau Business Loan?

    The Larger Business Loan is a larger size loan to aid in company growth opportunities. Loans range from $100,000 to $500,000 with a fixed-term that can last up to 36 months. The repayments are made weekly or fortnightly to work with your cash flow.

    How is the Origination Fee calculated?

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

    Am I eligible for the Larger Business Loan?

    In order to be eligible for a loan in this amount, your company needs to be operating for a minimum of 3 years and generate an annual revenue of at least $700,000. The applicant must also be a New Zealand Citizen (or Permanent Resident) at least 18 years old as well as own a New Zealand company (with a valid NZBN/IRD) and be able demonstrate at minimum 12 months of business.

    How can the funds be utilised?

    A Larger Business Loan can be used for almost any business need, including business renovations, purchase of equipment or inventory, as general working capital and much more. The loan is not available for personal purposes.

    Is the Larger Business Loan a secured loan?

    Asset security is necessary to access funding over $150,000. It is usually by way of charge over assets and can include registration with the PPSR or making a caveat.

    A director’s or personal ensure is a commitment to repay credit that is generally in nature rather than specifying security over an asset. The person signing the ensure is personally accountable if the business lender is not able to pay back the debt.

    The Personal Property Securities Register (PPSR) is a central, national online register run by the New Zealand Government. It lists security interests that are which are registered with respect to personal property (including goods or assets). The PPSR grants the priority of personal property assigned depending on the date that a registration of a security interest.

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

    What is a pre-approval without Credit Check?

    If you’re seeking a Larger Business Loan of $250K or more, we may offer a preliminary pre-approval to help simplify the process. It is possible to do this without a credit check, and within six hours of your initial application. This pre-approval is based on a preliminary assessment which includes answering a couple of financial well-being checks. This is in no way an offer, nor is it a guarantee of funds. Acceptance without condition is subject to a full credit assessment and any offer that you are offered could be based on different terms.

    The application process

    Are I eligible for funding?

    You are eligible to apply for an business loan if you

    • are a New Zealand Citizen (or Permanent Resident)
    • are 18 years or older, own a New Zealand business (with a valid NZBN/IRD)
    • you must prove at least 6 months worth of trade (for you to qualify for unsecured loan $5K – $100K) or three years of trading (for the Larger Business Loan $100K to $500K)

    How do I apply?

    The process for applying is fast and simple. Simply complete the online form in just a few minutes, and an experienced company expert in lending will be in touch to assist you.

    To apply for up $100,000, you’ll require ID details (valid Driver’s License) and an NZBN/IRD that is valid and at least six months worth of bank statements.

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

    $100K – $250K: Application details including credit consent, 6 – 12 months of IRD statements, bank statements (if loan above $150K).
    $250K – $500K: Details of the application, including credit consent and 12 months of bank records, IRD statement Last 2 years’ finalised financial statements, in addition to interim current financial year financials, Aged Payables and Aged Receivables summaries.

    What speed will I be able to get an answer?

    For an unsecured loan ($5K and up) We can usually provide an answer in just one hour, provided you make your application during quality business time and you allow us to use the advanced bank verification system link to immediately verify your bank account information online. If you choose to submit copies of your bank statements , we are able to provide the decision in as little as 1 business day.

    For Larger Business Loans ($100K or more) we could be in a position to offer the conditional pre-approval in about 6 hours. After you’ve signed the pre-approval, turnaround times are about 2-3 days for final approval. However, it could be faster based on the circumstances of each application. Certain deals have been approved within just 24 hours.

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

    How fast will I get the money?

    For the Small Business Loan ($5K and up) we typically provide a response in one hour if you apply at standard business hours and you allow us to utilise the advanced bank verification system link to instantly verify your bank’s information online. If you decide to send us copies of your bank statements we can offer a decision in just one business day.

    For Larger Business Loans ($100K or more) we may be capable of offer you with pre-approval conditional to your application within about six hours. Once you have signed the pre-approval document, you will require to wait approximately 2-3 days to receive final approval. However, this can be faster depending on the specifics of each application. Certain deals have been approved in less than 24 hours.

    The most effective method can be make sure you apply during standard business hours and allow us to use our advanced bank verification system to check your bank’s information online. If you decide to upload duplicates of your banking accounts, it takes a bit longer.

    What’s the minimum amount I can borrow?

    We offer loans ranging from $5,000 and $500,000. When you submit an application for a specific amount we consider a variety of aspects that determine the well-being for your business and the extent of payments your business can support. The total amount of the loan will be determined by the specifics for your business.

    When you apply for a particular amount, we look at a range of variables to assess your health of the company and the amount of payments your business can support. The total amount of your loan will depend on the particular circumstances for your business.

    Fees & repayments

    How much should you charge for an company loan?

    When you apply for the business financing, we will assess the risk assessment that you have for your company and provide you with a tailored proposal that includes the amount of loan, the term and interest rates. The business loan is an upfront priced loan which means you be aware of the total amount payable including any interest rates, fees or charges.

    What is the factor that determines the price I will be charged?

    Interest rates for company loans rates differ based on various factors such as the amount that is that is borrowed, what company assets the funds will be used for as well as the field the business operates in, how long the business has been in operation, how long the business has enough cash flow to pay for the loan, and the overall well-being or creditworthiness of the company.

    What are the costs?

    There are no hidden costs for our company loans, and you’ll know exactly how much you need to pay and when, right from the first day. There’s no compounding interest and no extra fees (as long as you are able to make your payments in time).

    We do not charge an Application Fee. You can make an application for loans with no cost upfront or obligation to proceed.

    The Origination Fee covers the expenses involved with the setting up and management of the loan. You are only charged this cost if you take out the loan. The Origination Fee for us is 2.5 percentage of the amount of loan.

    Can I repay the loan early?

    You can repay the total amount of your advance loan at any time.

    If you decide to take this route, please speak to our friendly company loans experts. We will offer you with details for repayment as well as an early payout amount. It will be calculated using the sum of the remaining principal amount and accrued interest to the date of early payout, plus 1.5 percent of the principal amount remaining plus any outstanding fees.

    What are the repayment methods?

    To make sure you do not miss repayments and to fit in your cash flow schedule, we offer repayments that are either weekly or daily. They are automatically deducted from your designated company account.

    Security & privacy

    Will my data be protected?

    Protecting your information, and making it clear how we collect, use, exchange and protect your information, is vital and an integral aspect 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 personal, sensitive as well as financial data. Our funders are ISO 27001 certified for our dedication to customer security and security. We use an advanced bank verification system link to instantly verify your bank account details online to offer an immediate response.

    About business loans

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

    Asset-based borrowing is when a business owner uses an asset they own to obtain the loan. The asset can be either an individual asset, such as the family home, or it could be a business asset such as a vehicle or other piece of machinery.

    The vast majority of lending institutions, not just the banks with the biggest size, prefer to guarantee loans against an asset. If you’re having trouble paying back the loan then your asset may be transferred to the lender. In essence it’s an opportunity to secure new financing by making use of the value of what you already own.

    Are I require security for a company loan?

    For loans of up to $150,000, there is no requirement for asset security prior to the loan’s access, however we do require an individual guarantee. If you adhere to the loan terms (as detailed in your loan contract) Asset security will never be required. For loans that exceed $150,000, typically, you will need personal guarantee and security in the form of a charge over 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 marketing including direct-mail, mail order, fundraising, telemarketing etc.
    • Financial lenders or institutions
    • {Firearm businesses
    • Foreign currency exchange offerings
    • Freight forwarding and customs clearing houses
    • Gambling related industries
    • Non-profit organisationsincluding charities, churches etc.
    • Panel beaters & smash repairers
    • Pawnbrokers or pawn shops
    • Property developers
    • Shares, stockbrokers or investment businesses
    • Tattoo palours
    • Ride sharing or taxi services
    • Ticket resellers or entertainment sales
    • Vehicle towing services
    • Used car companies
    • Vehicle glass tinting
    • Car wrecking yards

    We can’t assist with an unsecured business loan for these types of industries, we may be able to assist by providing a secured business loan.

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

    Apply Now

    Apply Now

    Contact Us

    Contact Us

    Contact Us

    Fill out the form below or Call Now
    0800 102 591

      Please prove you are human by selecting the Key.