Unsecured Business Loans Ngaio NZ

If You Do This Today, You'll Be All Set For Success With a Ngaio Business Loan

Unsecured Business Loans Ngaio

A Ngaio unsecured business loan is quick and easy in applying for. Get a quick apporval and start using the funds for your business.

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

You can expect:

  • Simple process to apply and get approved and the funds will be around as early as tomorrow
  • Optionally no reayments in the initial four weeks
  • Borrow from $5k to $500K
  • Terms ranging from 3 to 36 months
  • Competitive rates of interest prices
  • Minimal documentation

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

Simple loan application procedure with a huge amount of borrowing capacity, a low requirements for credit, and there is no requirement to submit a business plan. Do not use your personal credit card and business credit card to fund your company.
Unsecured Loans Made Simple
I am now able to take a holiday knowing the Ngaio company will run smoothly.
Local Business Owner
I'm now able make beverages for clients with the very best equipment.
Cafe Owner
Business loans, particularly one that is an unsecured business loan or line of credit to business financing need not be a difficult process. Business finance can be in the form of small business loans at a fixed interest rate and repayment schedule that fits your company budget.
Business Lenders for Business Goals
I am now able to fund the construction of our new Ngaio resturant without having to pull cash from the other ones.
Ngaio Resturant Owner
I'm able to get my taxes back to keep me on track.
Small Business Owner
Business credit rates and repayment terms as well as flexible repayment options to suit the requirements of your company requirements.
Business Lending Options
I'm now able to hire a marketer to take my company to the next stage.
Growing Ngaio Business
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for an business loan in Ngaio with us is easy and takes just some minutes, without lengthy forms or lines.

Get approved and receive your funds within 1-2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

Our focus is to assist Ngaio companies of all sorts small, medium even solopreneurs access funding fast so they can utilise the loan to expand and develop.

  • It starts with an easy online application or phone call
  • Flexible repayment terms that can be tailored to your business
  • Fast funding within a day or two days
  • A team of people who want both you and your company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Ngaio of between $5K and $100K is fairly low.

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

Looking for more funding? Take a look at the conditions of eligibility for our $100K-$500K business loan.

Here's How Others Have Benefited

Examples of Business Loans

A gym that was in operation for more than 3 years was looking to expand and needed additional equipment. With monthly revenue of $37K they borrowed$72K over a 24 month period. No security was required and the loan was ready in 24 hours.
When they purchased a pizza shop as well as two liquor stores six to 12 months earlier the new owners were seeking additional cash. The total revenue of the two stores was more than 500K per month. They could have borrowed $300K, split out as $100K for each store, with an option of both 24 and 36 months. No security over the owner's houses was required.
Owner of a Pizza Store & 2 Liquor Stores
A plumber who has worked in the business for 3 years with $80K in monthly sales was in search of additional funds. They took out a loan of $153K for the course of 36 months. All they 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 received their additional working capital in ther account shortly thereafter.
A restaurant owner wanted to open a second establishment and needed money to fund the installation. The bank they approached wasn't willing to help. The typical monthly income for them was $50K. They borrowed $66K for 24 months. The turnaround time was just 8 hours.
Restaurant Owner
With the busy Christmas season nearing, a clothing store required working capital in order to buy more stock and take advantage of discounts from suppliers. They took out a loan of $20K over a period of 12 months, with no security for assets and received the funds in less than 24 hours.
Clothing Store
Simple eligibility checklist

Larger Ngaio Business Loan Eligibility Criteria

The requirements for eligibility to be eligible for the larger Ngaio business loans of between $100K and $500K are:

  • Minimum of 3 years trading in business
  • At least $700K of annual revenue
  • Be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification
  • You should have a New Zealand bank as your main trading account
  • Bank statements for the last six months
  • Some financial statements like Profit & Loss and Aged Accounts Payable and Receivable

Looking for a smaller amount of money? Find out the eligibility requirements for our $5K to $100K Ngaio unsecured company loans.

Business Lending for a Cash Injection

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

A Ngaio unsecured loan is ideal for almost any company need. Get in touch with us today.

  • Expand or renovate commercial properties
  • Hire more staff during busy times
  • Boost stock levels to keep up with demand
  • Build a new website or boost your marketing
  • Make sure you invest in the latest equipment, tools or the latest technology
  • Purchase extra stock to cover the seasonal demand
  • Control cash flow fluctuations
  • Plus lots more …

Are you looking to start one of these options as early as tomorrow? 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 to get started 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.

While in the process and before settlement we’ll require confirmation of who you are however, not in order to begin:

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

Additionally after we get started when it comes to loans of more than $150,000 you will also need basic financial statements.

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    A plumber who's been in business for three years and has 80K in monthly sales was looking for additional funding. They took out $153K on the course of 36 months. The only thing needed was 12 months of bank statement and confirmation from the IRD. The process was completed in less than one day, and the plumber had their extra working capital available in their account within a short time.
    A restaurant owner was wanting to open a second restaurant and needed funding to renovation. Their bank wasn't interested in helping. Their typical monthly earnings was $50K. They were able to get a loan of $66K over the course of 24 months. The turnaround time was 8 hours.
    Restaurant Owner
    A gym that was operating for over three years wanted to grow and needed additional equipment. With monthly revenue of $37K they borrowed$72K over a 24 month period. No security was needed and the loan was compelted within only 24 hours.
    An interior designer saw an opportunity to expand their company and required working capital to finance this expansion. With a monthly income of $300K, they borrowed $250K over 24 months. The turnaround time was just 2 days and all they had for them to present were 12 months worth of banking statement, IRD confirmation, and trust deed.
    Interior Designer
    The owner of a tiny grocery store making $70K a month borrowed $76K over a 24-month term , without making any repayments during the initial 4 weeks. The loan required 12 months of bank statements. The time to turn around was just six hours from submitting the application to receiving the funds.
    Grocery Store Small Business Loan

    The lending landscape has changed

    With banks and traditional lenders increasing their credit requirements and the constant stream of non-bank and alternative loan providers entering the market offers an excellent source to access.

    Ngaio SME’s are now able to access finance through alternative lenders that service Ngaio who are focused on facilitating business growth or smoothing out cash flow issues. In the past the personal sources of credit (drawing equity from a house loan, or by using credit cards, personal loans and loans) were the only alternative financing solutions in Ngaio that were available.

    There is now there is no requirement of having to depend on using real estate to secure company lending. With an unsecured loan, business financing is easy. Instead of a loan for a term with a bank, business finance for an SME with interest rates and loan terms that can help in cash flow are available as business loans.



    High level summary

    Separate personal and business debt

    There are many advantages associated by separating personal and company debt.

    • Your home, or other investmentsaren’t tied to allow access to funds
    • This business is in a more favourable place to develop its own, clear credit history
    • It’s considerably more straightforward at tax time
    • Companies can quickly view how they are performing, monitor and plan on their ability to clearly assess their cash flow position

    Reduce your risk, make the tax process more simple, apply for an unsecure busines loan, apply today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your private and business assets apart can be that your home isn’t necessarily tied up to access the funds. In the case of a business loan within Ngaio up to $100K the security of assets won’t be required as long as the borrower fulfills their loan obligations.

    Credit history

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


    The separation of personal as well as company finances makes it significantly more straightforward in the event of tax time, especially when it comes to determining the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has laid out guidelines on the proof required to be able to claim deductions on an individual’s tax return. This is an area that the IRD has specifically advised on.

    Cash flow

    A well-organised cash flow management system is essential to the long-term success for any business. By keeping personal and business finances separate, companies can easily view, monitor and plan based on their ability to accurately evaluate their cash flow situation.

    A straightforward loan application process with a large borrowing limit, minimal credit criteria and no requirement to submit a business plan. You no longer need to use your personal credit card or company credit card to finance your business.
    Unsecured Loans Made Simple
    I'm now able to finance the renovation of our new Ngaio resturant without having to take cash from other restaurants.
    Ngaio Resturant Owner
    Business loans, in particular an unsecured unsecured business loan or line of credit to business funding require have no stressful process. Business finance can be in the form in the form of small business loans with an interest rate cost, and with a repayment schedule that will suit your business cash flow.
    Business Lenders for Business Goals
    I'm now able to hire a marketing expert to take my business to the next level of business growth.
    Growing Business
    Business business loans, interest rates and repayment terms and flexible repayment options to fit what your company requirements.
    Business Lending Options
    I'm able get my tax back to keep me on track.
    Small Business Owner
    I'm now able make beverages for clients with the best equipment.
    Cafe Owner
    I am now able to take an extended vacation knowing that I am confident that my Ngaio business will run without a hitch.
    Local Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Ngaio Small Business Loans

    Let me know what you think of the Ngaio Small Business Loans

    Ngaio unsecured loans provides the range of $5,000 to $100,000, with terms ranging from 3 and 24 months. They also offer cash flow-friendly repayments that are either daily or weekly.

    What is this Unsecured Loan different from a traditional company loan?

    You can apply for the Small Business Loan in under 10 minutes via the internet or on the phone. You’ll receive an immediate response, and have the funds in your account within 24 hours. Traditional company loans refer to an annual rate of interest along with other charges and fees. This company loan is a cash-based loan which means you know ahead of time the total amount due, which includes the interest, fees and charges. Then, it is broken down into either a daily or weekly installment amount.

    What can the Small Business Loan be used for?

    The Small Business Loan can be used to fulfill almost any company need, such as cash flow management, company remodeling, marketing to purchase inventory or new equipment, for general working capital and so much more. The loan cannot be used for personal purposes.

    About Larger Ngaio Business Loans

    What is the Larger Ngaio Business Loan?

    The Larger Business Loan is a larger size of loan that can be used to fund business expansion opportunities. Loans range from $100,000 to $500,000 over a fixed term with a maximum of 36 months. Repayments are either weekly or fortnightly depending on the flow of cash.

    How’s the Origination Fee determined?

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

    Can I get the Larger Business Loan?

    To qualify for a loan that is this large the company needs to have been operating for at least three years, and have an annual income of $700K. You must be a New Zealand Citizen (or Permanent Resident) over 18 years, own a New Zealand business (with a valid NZBN/IRD) and be able of proving at least 12 months of trading.

    What can the funding be used for?

    A larger company loan can be used for almost any company reason, such as business remodeling, buying inventory or new equipment or as general working capital, and much more. The loan cannot be used to fund personal expenses.

    Is the Larger Business Loan one that requires security?

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

    A director’s or personal guarantee is a promise to pay back a loan that is generally based rather than stating the security of a specific asset. The person who signs the guarantee is personally liable if the company lender is not able to re-pay the debt.

    The Personal Property Securities Register (PPSR) is an online, central register 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 priority over personal property to be assigned according to the date the security interest has been registered.

    A caveat is a legal document lodged to offer the legal claim against a property.

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

    When you’re applying for a Larger Business Loan of $250K or more it is possible to offer a preliminary pre-approval to help make the process. We might be able to do this without credit checks and within 6 hours of your initial application. This pre-approval is made based on an initial assessment that includes the answer to a series of financial health checks. It’s not an offer of credit or guarantee of finance. The approval of a conditional loan is subject to an extensive credit evaluation and any offer that you receive could be subject to different conditions.

    The application process

    Do I qualify for funds?

    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 company (with a valid NZBN/IRD)
    • must show at least six months worth of trade (for for the unsecured loan $5K – $100K) or three years of trading (for the Larger Business Loan $100K to $500K)

    How do I apply?

    The application process is quick and easy. Just complete the online application within a couple minutes, and an experienced company lending specialist will call you to guide you.

    For a loan of up to $100,000, you’ll need proof of identity (valid Driver’s Licence), a valid NZBN/IRD as well as at least 6 months’ worth of bank statements.

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

    $100K – $250K: Application details including credit consent, 6 – 12 months of IRD statements, bank statements (if credit is over $150K).
    $250K – $500K: Details of the application, including credit consent and 12 months bank statement, an IRD statement, last 2 years finalised financial statements, as well as interim financial statements for the current year including Aged Payables, Aged Receivables Summary.

    What speed will I be able to get an answer?

    For an unsecured loan ($5K and up) we can often provide an answer within an hour, provided you apply during standard business times and you allow us to use the advanced bank verification system link to instantly verify your bank details online. If you choose to upload copies of your bank statements we can provide an answer in as little as 1 company day.

    For the Larger Business Loan ($100K or more) we might be capable of offer you with pre-approval conditional to your application in about six hours. After you’ve signed your pre-approval document, you will require to wait around 2-3 days for final approval. However, this may be quicker depending on the specifics of each application. Some deals have been approved within the space of 24 hours.

    The quickest method is to make sure you apply during standard company hours. Also, allow us to use the modern bank verification link to verify your bank account information online. If you opt to upload duplicates of your banking statement, it will take a little longer.

    How quickly will I receive the funds?

    For the Small Business Loan ($5K up to $100,000) we can often offer an answer within an hour, provided you submit your request at standard business hours and permit us to use the advanced bank verification system link to instantly verify your bank information online. If you decide to send us copies of your bank statements we can provide an answer in just 1 business day.

    If you are applying for Larger Business Loans ($100K to $500K) we might be capable of provide the conditional pre-approval within about six hours. Once you’ve signed your pre-approval, the turnaround time is about 2-3 days for final approval, however this may be quicker depending on the circumstances of each application. Certain agreements have been approved in 24 hours.

    The most effective method is to ensure you apply during standard business hours and permit us to use the modern bank verification link to instantly verify your bank information online. If you choose to send us duplicates of your banking statements it can take a bit longer.

    What is the maximum amount I can borrow?

    We offer loans that range from $5,000 to $500,000. When you make an application for a specific amount we look at a variety of aspects that determine your health of the business as well as the amount of repayments your business can support. The total amount of your loan will be contingent on the specifics that are unique to your business.

    If you apply for a certain amount, we will consider a number of elements to determine the health for your company and the amount of the repayments your company can afford. The total amount of your loan will be contingent on the specific circumstances the company.

    Fees & repayments

    How much do you charge for an company loan?

    If you decide to make an application for our company financing, we will assess the risk assessment of your company and provide an individualised offer that includes loan amount, term and interest rates. It is a company loan is an upfront priced loan therefore you will know the exact amount due, which includes any charges, interest rates or fees.

    What determines the rate that I will be charged?

    Interest rates for business loans rates differ based on various factors like the amount of money borrowed, what company assets the money will be used for, the industry the business is in, how long the business has been running as well as what percentage of the company has enough cash flow to pay for the loan, and also the general well-being or financial standing of the business.

    What are the cost?

    There are no hidden costs for our company loans. You’ll know exactly how much you’ll need to pay and when, starting from the very first day. There’s no compounding interest and the loan comes with no additional fees (as long as you make your payments punctually).

    We don’t charge an Application Fee. You can request a credit loan with with no upfront cost or obligation to proceed.

    The Origination Fee covers the expenses involved with the setting up and management of the loan. This is only a fee if you proceed with the loan. Our Origination Fee is 2.5 percentage of the loan amount.

    Can I repay the loan earlier?

    You may choose to pay back all of your advance loan at any time.

    If you choose to pursue this option, please speak to our friendly company credit specialists. They’ll offer you with repayment details along with an early payout estimate. The figure will be calculated as the total of the principal remaining and any accrued interest at the time of the early payout and 1.5% of the principal amount remaining plus 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 either daily or weekly. They are automatically deducted from your business account.

    Security & privacy

    Will my information be secure?

    Making sure that your information is secure, and being upfront about the ways we gather data, process, exchange and secure your information, is of huge importance and an integral part of our relationship with you.

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

    Yes. We employ industry-recognised encryption standards to secure your personal, sensitive financial and other data. Our funders are ISO 27001 certified for our commitment to the security of our customers as well as their privacy. We make use of an advanced bank verification system link to immediately verify your bank account information online to provide rapid response.

    About business loans

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

    The term “asset-based” refers to borrowing where the business owner borrows from an asset they own to obtain the loan. The asset may be a personal asset like the family home, or it could be a company property like a truck or piece or equipment.

    The majority of the lenders including the big banks, tend to secure loans against an asset. If you’re having trouble paying back the loan then the asset might be taken over by the lender. In essence it is an opportunity to secure new financing making use of the value of what you already own.

    Should I need security for an business loan?

    For loans that exceed $150,000, it is not necessary to secure assets before you can access the money, however we require a personal guarantee. need the personal guarantee. In the event that you fulfill the loan terms (as specified in the loan contract) the security of assets will never be required. For loans that exceed $150K, generally there is personal guarantee and security that is in the form an asset charge.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction houses or auction websites
    • Debt purchasers or debt collection agencies
    • Direct marketers including mail order, fundraising, telemarketing, direct-mail etc.
    • Financial institutions & lenders
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Freight forwarding and customs clearing houses
    • Business involved with gambling
    • Non-profit organisationsincluding charities and churches etc.
    • Smash repairers and panel beaters
    • Pawnbrokers and pawn shops
    • Property development
    • Stockbrokers, shares &invesment businesses
    • Tattoo palours
    • Taxi or ride-sharing services
    • Ticket resellers and entertainment sales
    • Tow truck services
    • Secondhand automotive companies
    • Vehicle glass tintingcompanies
    • Vehicle dismantlers

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