Unsecured Business Loans Northpark NZ

Today, You'll Be On The Right Track To Success WithThe Help Of a Northpark Business Loan

Unsecured Business Loans Northpark

A Northpark unsecured business loan is quick and simple to obtain. Approve your loan in a matter of minutes and begin using the money to grow your company.

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

What you can expect:

  • Easy process to fill out and be approved for the funds will be around as early as tomorrow
  • There is no option to remittances in the initial 4 weeks
  • The range of borrowing is from $5k to $500K.
  • Terms from 3 to 36 months
  • Competitive rates of interest rates
  • Minimal documentation required

The eligibility requirements for an unsecured business loan for a company loan Northpark are fairly minimal.

I can now make beverages for clients using the best equipment.
Cafe Owner
I'm now able to finance the fitout of our new Northpark resturant without having to borrow cash from other restaurants.
Northpark Resturant Owner
Business loans, especially an unsecured unsecured business loan or line of credit for business funding require never be an difficult procedure. Business finance in the form in the form of small business loans that have an interest rate cost, and with a repayment time that fits the needs of your company financial needs.
Business Lenders for Business Goals
I'm now able take a holiday knowing I am confident that my Northpark business will run effortlessly.
Local Business Owner
Business business loans, interest rates and repayment terms as well as flexible repayment options to fit your business needs.
Business Lending Options
I can get my tax back to keep me on track.
Small Business Owner
I'm now able hire a marketing expert to help me take my business to the next level.
Growing Northpark Business
A simple loan application process with a generous limit on borrowing, no credit criteria and there is no need to present a business plan. Do not use your personal credit card and company credit cards to finance your business.
Unsecured Loans Made Simple
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for an company loan in Northpark with us is simple and only takes a few minutes, no lengthy forms or lines.

Approved and receive funds in 1 – 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Northpark companies of all kinds, including medium, small and even solopreneurs to access funding fast so they can take advantage of loans to build and expand their business.

  • It all starts with a simple online application or phone call
  • Flexible terms for repayment to fit your company
  • Fast cash in just a day or two
  • A team that wants both you and your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • Minimum of 6 months in business
  • At least $6,000 revenue per month
  • Be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for proof of identity
  • Use an account with a New Zealand bank as your principal trading account
  • Bank statements from the previous 6 months

Are you looking for additional funding? Review the eligibility requirements for our $100K-$500K business financing.

Here's How Others Have Benefited

Examples of Business Loans

A gym that was running for more than three years, was planning to expand and needed additional equipment. With monthly revenue of $37K they borrowed $72K over a 24- month period. There was no security requirement and the loan was ready to go within the span of 24 hours.
A business coach was looking to invest in an well-being and beauty company. With just a little more than 12K in revenue per month the business was able to borrow $24K over 24 months. The loan was based on 12 months of bank statements and was done in 8 hours.
Business Coach
With the busy holiday season coming up, a store selling clothing required working capital in order to finance additional stock and take advantage of a supplier discount. They took out a loan of $20K over a period of 12 months, with no security of assets required. They received the money in just 24 hours.
Clothing Store
A designer for interiors had seen an opportunity to increase the size of their company and required working capital to fund this expansion. With an annual revenue of $300K they took out a loan of $250K for 24 months. Turnaround time for them was just two days, and all they needed for them to present was 12 months of bank statement, IRD confirmation, and their trust deed.
Interior Designer
The owner of a restaurant wanted to open a second location and needed funds for the remodel. Their bank wasn't interested in helping. The typical monthly income for them was $50K and they borrowed $66K over the course of 24 months. Turnaround was only 8 hours.
Restaurant Owner
Simple eligibility checklist

Larger Northpark Business Loan Eligibility Criteria

The criteria to be eligible to be eligible for loans from larger Northpark company loans of between $100K to $500K comprise:

  • Minimum of 3 year’s experience in business
  • A minimum of $700K annually in income
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification proof
  • Make sure you have an account with a New Zealand bank as your primary account for trading
  • Bank statements for the last 6 months
  • Certain financial statements, such as Profit & Loss and the Aged Accounts Payable and Receivable

Looking for a smaller amount of funds? Look over the eligibility requirements for our $5K-$100K Northpark unsecured business loans.

Business Lending for a Cash Injection

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

A Northpark unsecured loan is ideal for virtually every business use. Get in touch with us today.

  • Add or remodel commercial properties
  • Hire more staff for busy periods
  • Boost stock quantities to meet the demand
  • Make a brand new website or improve your marketing
  • Put money into the latest equipment, tools or technological advancements
  • Buy extra stock to meet seasonal demand
  • Manage cash flow fluctuations
  • And many more …

Do you want to begin 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 that’s needed to start is your contact details (the name of your company, your name, email or phone number) along with the amount you’d like to borrow and your monthly revenue.

Through the process and before settlement we will require confirmation of who you are but not for starting:

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

Additionally after we get started, for loans of more than $150,000 you’ll also require the following 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

    The proprietor of a small grocery store doing $70K a month borrowed $76K over a 24 month period with no repayments for the first 4 weeks. This required 12 months of bank statements. The turn around time was 6 hours from the time of application until receiving the funds.
    Grocery Store Small Business Loan
    An interior designer saw an opportunity to increase the size of their company and required working capital in order to finance this expansion. With a monthly income of $300K, they borrowed $250K over 24 months. Their turnaround time was only 2 days, and all they had to provide is 12 months' worth of Bank statements IRD confirmation, IRD confirmation and trust deed.
    Interior Designer
    A plumber who has operated their business for three years with monthly sales of $80K was looking for additional funding. They took out a loan of $153K for a 36 month term. All they needed was 12 months of bank statements and confirmation from the IRD. The process was completed within just a few hours and the plumber had their extra working capital available in their account within a short time.
    Following the purchase of a pizza place and 2 liquor stores 6-to 12 months ago, the new owners were seeking additional funds. The total revenue of the two stores was more than $500k per month. They could have borrowed $300K and split it into $100K for each store, with the option of 24- and 36 month terms. No security over the owner's homes was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    A business coach was looking to invest in an well-being and cosmetics business. With a little over twelve thousand dollars in monthly income the company borrowed $24K over 24 months. This only required twelve months worth of statement and was completed in less than 8 hours.
    Business Coach

    The lending landscape has changed

    In the wake of traditional lenders and banks tightening their credit terms, the steady stream of non-bank and alternative loan providers that are entering the market offers an incredible source for you to make use of.

    Northpark SME’s are now able to access finance through alternative lenders who service Northpark who are focused on enabling business expansion or smoothing cash flow challenges. In the past, when the personal sources of credit (drawing equity from a home loan, or by using credit cards or personal loans, as well as loans) was the sole alternative financing services available in Northpark that were available.

    There is now not a requirement for you to rely on the real estate market to secure company lending. With an unsecured loan business funding is made simple. Instead of a traditional term loan from a bank, business finance for an SME with interest rates and loan terms that can help with cash flow is around as business loan options.



    High level summary

    Separate personal and business debt

    There are numerous benefits by separating personal and company debt.

    • Your home, or other investments, aren’t tethered in order to access funds
    • This business stands in stronger position to establish its own, solid credit history
    • It’s significantly more straightforward at tax time
    • Companies can quickly view their cash flow, monitor and plan based on being able to clearly examine their cash flow status

    Limit your exposure, make the tax process more simple, apply for an unsecure company loan. Get it today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your individual and business assets separate is that your house isn’t required to be tied to access the funds. For a small business loan in Northpark up to $100K, asset security will not be required as long as the borrower is able to meet their loan obligations.

    Credit history

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


    It is crucial to separate personal from company finances makes it more seamless in the event of tax time, particularly when determining the tax-deductible amount. The IRD has outlined the requirements for evidence to claim deductions on an individual’s tax return. This is an area that the IRD has advised specifically on.

    Cash flow

    A well-organised cash flow management system is key for the long-term viability in any company. By keeping the personal financial and company finances distinct, businesses can easily view the situation, track and plan based on the ability to effectively examine their cash flow.

    I can now take vacation knowing that it is safe knowing that Northpark company will run effortlessly.
    Local Business Owner
    Business credit rates and repayment terms, as well as flexible repayment options that can be tailored to your business needs.
    Business Lending Options
    I can now make beverages for customers using the very best equipment.
    Cafe Owner
    I'm able get my tax back on time.
    Small Business Owner
    I'm now able to hire an expert marketer to take my company to the next level of business growth.
    Growing Business
    Business loans, especially one that is an unsecured business loan or line of credit to business financing require never be an difficult procedure. Business finance can be in the form in the form of small business loans at a fixed interest rate and repayment term that fits your business budget.
    Business Lenders for Business Goals
    A simple loan application process that comes with a high borrowing limit, minimal requirements for credit, and no need to create a business plan. Stop using your personal credit card or business credit card to finance your business.
    Unsecured Loans Made Simple
    I am now able to fund the remodel of our brand new Northpark resturant without having to borrow cash from other locations.
    Northpark Resturant Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Information About The Northpark Small Business Loans

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

    Northpark unsecured loans provides amounts between $5,000 and $100,000. The terms range between 3 and 24 months, cash flow-friendly repayments that are either per day or weekly.

    How is this Unsecured Loan different from an ordinary business loan?

    Apply for your Small Business Loan in under 10 minutes on the internet or by phone. You will receive a same day response and have the funds on your account within 24 hours. Traditional company loans refer to an annual rate of interest plus other fees and charges. The business loan is a pre-paid loan so you will know ahead of time the total amount to be paid, including any fees, interest or charges. Then, it is broken down into a daily or weekly installment amount.

    What could be the Small Business Loan be used for?

    A Small Business Loan can be used for nearly every company purpose including managing cash flows, company remodeling, marketing to purchase inventory or new equipment, to fund general working capital and much more. The loan is not available for personal use.

    About Larger Northpark Business Loans

    What is the Larger Northpark Business Loan?

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

    How’s the Origination Fee determined?

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

    Am I eligible for the Larger Business Loan?

    To qualify for a loan that is this large, your business needs to be in operation for at least 3 years and have an annual turnover of at least $700K. You must be 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 to prove at minimum 12 months of continuous trading.

    How can the funding be utilised?

    A large company loan can be used to fund almost every company use, including company remodeling, buying new equipment or inventory as well as for general working capital and so much more. The loan cannot be used for personal reasons.

    Is the Larger Business Loan one that requires security?

    Asset security is necessary to obtain funding above $150,000. It is usually in the form of a charge on assets, and may include the registration of this through the PPSR or making a caveat.

    A director’s or personal guarantee is a promise to pay off a credit line that is general in nature, rather than defining the security of a specific asset. The person signing the ensure is personally accountable if the company creditor is unable 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 the assets or goods). The PPSR grants prioritisation over property that is personal to be granted according to the date a security interest has been registered.

    Caveats are legal document that is filed to provide notice of a legal claim on a property.

    What exactly is a preapproval without Credit Check?

    If you’re seeking the Larger Business Loan of $250K or more we may be able to provide an initial pre-approval to smooth out the process. It is possible to make this decision without a credit check, and within 6 hours of your initial application. The pre-approval is based upon an initial assessment, which involves the answer to a series of financial well-being checks. It is not an offer or guarantee of credit. The approval of a conditional loan is subject to an extensive credit evaluation and any offer that you are offered could be on different terms.

    Application process

    Do I have the right to receive funds?

    You are eligible to apply for an business loan if you;

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

    How do I apply?

    The application process is fast and easy. Just complete the online application in just a few minutes, and a dedicated company loan specialist will call you to guide you through the process.

    To be eligible for up to $100,000, you’ll require the right identification documents (valid Driver’s Licence) along with an active NZBN/IRD, and at least six months worth of bank statements.

    For larger loan sizes, you’ll need:

    $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 to $500K: Details of the application, including credit consent and 12 month bank accounts, the IRD statement, last 2 years finalised financial statements, and 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 can often offer an answer within an hour, provided you make your application within quality company timings and allow us to use the advanced bank verification system to instantly verify your bank details online. If you opt to send us copies of your bank statements , we are able to provide an answer in as little as an company day.

    For the Larger Business Loan ($100K to $500K) we could be capable of offer you with a conditional pre-approval within about six hours. Once you have signed the pre-approval, turnaround times are around 2-3 days for final approval. However, this may be quicker depending on the particular circumstances of each application. Certain agreements have been approved within the space of 24 hours.

    The most efficient method can be make sure you apply during standard company hours. Also, let us use the advanced bank verification system link to instantly confirm your bank details online. If you opt to upload documents from your account statements it takes a bit longer.

    What is the time frame to receive the funds?

    For the Small Business Loan ($5K up to $100,000) we typically offer an answer within an hour if you make your application during normal business hours and permit us to make use of the advanced bank verification system to instantly verify your bank’s information online. If you choose to upload copies of your banking statements, we will be able to offer a decision in as little as 1 business day.

    For Larger Business Loans ($100K or more) we might be in a position to offer the conditional pre-approval in about 6 hours. After you’ve signed the pre-approval, turnaround times are around 2-3 days for final approval, however this can be faster depending on the circumstances of each application. Some deals have been approved in 24 hours.

    The fastest way is to ensure you apply during normal business hours. You can also let us use the modern bank verification link to verify your bank account information online. If you upload the copies of bank accounts, it will take a little longer.

    How much can I borrow?

    We provide loans that range from $5,000 to $500,000. If you apply for a specific amount we take into consideration a range of aspects that determine your health of your business and the amount of payments your business is able to afford. The amount you receive from your loan will depend on the specific circumstances of your business.

    When you apply for a particular amount, we look at a range of factors to assess how much we can lend you such as well-being that is your business and the extent of repayments that your company will be able to support. The total amount of your loan will depend on the particulars that are unique to your company.

    Fees & repayments

    How much should you charge for the cost of a business loan?

    If you decide to apply for the business loans, we’ll assess the risk profile of your company and offer you with a customised offer including loan amount, term and the interest rates. A company loan is an upfront-priced loan therefore you will know in advance the total amount to be paid, including any costs, fees, or interest rates.

    What determines the amount I pay?

    Interest rates for company loans rates vary due to variables like the amount to be borrowed, the company assets the funds will be used for in addition to the industry that the business is operating in, how long the business has been in operation, whether the business has enough cash flow to pay for the loan, as well as the overall well-being and creditworthiness of the company.

    What are the cost?

    There aren’t any hidden costs with our company loans, and you’ll know exactly how much you be required to pay and when, from the very first day. There’s no compounding interest and there are no additional charges (as as long as you pay your payments in time).

    We don’t charge an application fee. You can make an application for loans with no cost upfront or commitment to apply.

    The Origination Fee is the cost associated with the setting up and management of the loan. This is only a cost if you take out the loan. The Origination Fee for us is 2.5% of the amount of loan.

    Can I repay the loan early?

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

    If you do decide to do this please speak to our friendly business loan professionals. We will provide you with details on repayment and an early payout figure. It will be calculated using the sum of the principal balance and the accrued interest up to the time of the early payout plus 1.5% of the principal remaining as well as any outstanding fees.

    How do you make repayments work?

    To make sure you do not miss due dates and also to be in line with your cash flow standard, we provide repayments either weekly or daily. These are automatically withdrawn from the nominated company account.

    Security & privacy

    Will my information be protected?

    Security of your data, and knowing how we collect, use, exchange and protect your information, is of paramount importance and is a crucial part of our relationship with you.

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

    Yes. We utilise industry-recognised encryption standards to protect your personal, sensitive as well as financial data. Our funders are ISO 27001 qualified for our commitment to security for our clients and privacy. We make use of an advanced bank verification system that allows you to immediately verify your bank account information online so we can offer a fast response.

    About business loans

    What’s an asset-based borrow (a secured loan)?

    An asset-based loan is when an business owner utilises an asset they own to obtain the loan. The asset can be an individual asset, such as the family home or a business asset such as a truck as well as a piece of machine.

    The majority of banks, even the largest banks, are inclined to make loans secured by assets. If you’re struggling to pay back the loan, your assets could be taken over by the lender. In essence, it’s a way of securing new financing by making use of the value of what you already own.

    What do I need security to secure an business loan?

    For loans that exceed $150K, there is no requirement for asset security upfront to access the money, however we do need an individual guarantee. As long as you follow your loan obligations (as stipulated in your loan contract) and you are able to meet your obligations, asset security is not required. If you take out loans in excess of $150,000 typically, you will need personal ensure and security in the form of an asset charge.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction houses and auction websites
    • Debt purchasers & debt collection companies
    • Direct marketing including mail order, fundraising, telemarketing, direct-mail etc.
    • Finance institutions & lenders
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Freight forwarding & customs clearing houses
    • Business involved with gambling
    • Not-for-profit organisations such as charities, churches etc
    • Smash repairers and panel beaters
    • Pawnbrokers & pawn shops
    • Property developers
    • Shares, stockbrokers & investment businesses
    • Tattoo studios
    • Taxi or ride-sharing services
    • Ticket resellers or entertainment sales
    • Tow truck services
    • Secondhand vehicle dealers
    • Car glass tintingfirms
    • Vehicle dismantlers

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

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

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    Apply Now

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    0800 102 591

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