Unsecured Business Loans Pinehaven NZ

By This Tomorrow You Could Be All Set For Success By ObtainingThe Help Of a Pinehaven Business Loan

Unsecured Business Loans Pinehaven

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

  • Would extra funds help your business by allowing you to work capital or to realise a growth opportunity?
  • What is the financing strategy you are using to fund your company needs?

You can expect:

  • Easy process to fill out and receive approval and cash as quickly as tomorrow
  • Optionally no reayments in the first 4 weeks
  • From $5k to $500K in loans
  • Terms ranging from 3 to 36 months
  • Competitive rates of interest rates
  • Minimal documentation

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

I am now able to take an extended vacation knowing that it is safe knowing that Pinehaven business will run well.
Local Business Owner
A seamless loan application process with a large amount of borrowing capacity, a low requirements for credit and there is no need to provide a business plan. Do not use your personal credit card or business credit cards in order to fund your company.
Unsecured Loans Made Simple
I can get my tax back on track.
Small Business Owner
Business credit rates and repayment terms and flexible repayment options to suit the requirements of your business requirements.
Business Lending Options
I can now hire an specialist marketer to boost my business to the next step.
Growing Pinehaven Business
I'm now able make beverages for clients using the very best equipment.
Cafe Owner
Business loans, particularly those that are unsecured business loan or line of credit to business financing require never be an tense process. Business finance can be in the form in the form of small business loans that have an interest rate and repayment schedule which is compatible with your company cash flow.
Business Lenders for Business Goals
I'm now able fund the renovation of our new Pinehaven resturant without having to take cash from other restaurants.
Pinehaven Resturant Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for a business loans within Pinehaven with us is simple and only takes some minutes, without lengthy forms or lines.

Get approved and receive your money within one to two business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Pinehaven companies of all kinds, including medium, small and even entrepreneurs to obtain money quickly, so that they can use the loan to build and expand their business.

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

Small Business Loan Eligibility Criteria

The eligibility requirements for an unsecured business loan in Pinehaven of between $5K and $100K are fairly minimal.

  • A minimum of six months in business
  • At least $6,000 revenue per month
  • You must be a New Zealand based company with a 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 past 6 months

Looking for more funding? Review the conditions of eligibility for our $100K-$500K business financing.

Here's How Others Have Benefited

Examples of Business Loans

A plumber who's worked in the business for 3 years with the monthly revenue of $80K was in search of additional funds. They borrowed $153K over the course of 36 months. The only thing needed were 12 months' worth of statement and confirmation of the status with IRD. The process was complete within just a few hours and the plumber got their extra working capital available in their account within a short time.
The owner of a restaurant wanted to open a second location and needed money to fund the remodel. Their bank was not willing to help. Their typical monthly earnings was $50K and they borrowed $66K over the course of 24 months. It took only 8 hours to get access to the funds.
Restaurant Owner
A gym that was going for nearly 3 years decided to increase its size and was in need of additional 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 the span of 24 hours.
After purchasing a pizza shop and two liquor stores six to 12 months earlier the new owners were looking for more funds. The total revenue of the two stores was more than $500K per month . The owners were able to obtain $300K. The loan was split into $100K per store with the option of 24- and 36 months. There was no security on the owners' homes was needed.
Owner of a Pizza Store & 2 Liquor Stores
With the busy holiday season fast approaching, a clothes store needed working capital to buy more inventory and to take advantage of a supplier discount. They took out a loan of $20K over a period of 12 months with no collateral for their assets, and they had the money in just 24 hours.
Clothing Store
Simple eligibility checklist

Larger Pinehaven Business Loan Eligibility Criteria

The requirements for eligibility to be eligible for loans from larger Pinehaven company loans of between $100K and $500K are:

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

Looking for a smaller amount of funds? Look over the eligibility requirements for our $5K to $100K Pinehaven unsecured company loans.

Business Lending for a Cash Injection

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

A Pinehaven unsecured loan is ideal to use for any company purpose. Talk to us today.

  • Expand or renovate commercial spaces
  • Grow the team during busy periods
  • Boost stock levels to keep up with demand
  • Build a new website or increase your marketing
  • Consider investing in new tools, equipment or technology
  • Buy extra stock to meet the seasonal demand
  • Control cash flow fluctuations
  • And many more …

Are you looking to start one of these idea as quickly as tomorrow? Then get in touch with us or send your application online to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All that is needed to start is your contact details (the name of your company, your name, email and telephone) along with the amount you’d like to borrow, as well as your monthly income.

In the course of the process and before settlement we will need confirmation of who you are but not for starting:

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

In addition, once we have started in the process, for loans greater 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 gym that was in operation for more than 3 years, was planning to expand and was in need of additional equipment. With a monthly turnover of $37K they borrowed $72K over a 24 month period. There was no security requirement for the loan and it was compelted within just 24 hours.
    An interior designer saw an opportunity to increase the size of their company and needed working capital to finance the growth. With monthly revenue of $300K they borrowed $250K in 24 months. Their turnaround time was only 2 days, and all they had to provide the required documents were twelve months' bank statement IRD confirmation, as well as their trust deed.
    Interior Designer
    When they purchased a pizza restaurant and two liquor stores 6-12 months earlier the new owners needed more funds. The revenue total was greater than 500K per month. They were able to borrow $300K, split out as $100K per store on a mix of 24 and 36 months. No security over the owners houses was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    The proprietor of a small grocery store doing $70K a month borrowed $76K over a 24-month period with no repayments during the initial 4 weeks. This was contingent on 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
    A business coach was seeking to invest in the health and beauty company. With a little over twelve thousand dollars in monthly income the company borrowed $24K over 24 months. The loan required the submission of 12 months' bank statement and was done in only 8 hours.
    Business Coach

    The lending landscape has changed

    With traditional and bank lenders increasing their credit requirements as well as the continuous stream of non-bank and alternative loan providers that are entering the market provides a great resource to take advantage of.

    Pinehaven SME’s are now in a position to obtain finance via alternative lenders who service Pinehaven who are focused on enabling company expansion or smoothing out the cash flow problems. The past was when the personal sources of credit (drawing equity from the house loan, or by using credit cards and personal loans as well as the overdraft) were the only alternative financing services in Pinehaven that were around.

    There’s no need of having to depend on the real estate market to secure business loan. With an unsecured loan business funding is simple. Instead of a traditional term loan from a bank, business finance for a small company with interest rates and loan terms that aid with cash flow are available as business loans.



    High level summary

    Separate personal and business debt

    There are substantial benefits associated by separating personal and business debt.

    • Your home, or other investmentsaren’t tied to allow access to funds
    • It is the business will be in more favourable position to create its own, clear credit history
    • It is significantly more seamless during tax time
    • Companies can quickly view the situation, track and plan based on their ability to clearly determine their cash flow position

    Limit your exposure, make your tax time easier, get started with an unsecure busines loan. Apply today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your personal and company assets apart is that your house isn’t necessarily tied up for access to the money. If you’re looking for a small business loan within Pinehaven up to $100K, asset security will not be required so long as the borrower is able to meet their loan obligations.

    Credit history

    Companies are in a stable long-term position when they can demonstrate good credit/debt serviceability.


    A separation between personal and business finances makes it significantly more straightforward in the event of tax time, particularly when identifying what is the tax-deductible allocation. The IRD has outlined the rules on the evidence required to claim deductions on an organisation’s tax return. This is an area the IRD have specifically advised on.

    Cash flow

    Effective management of cash flows is vital to the long-term success for any business. Through keeping the personal financial and business finance separate, businesses can easily view their cash flow, plan and monitor it based on the ability to effectively examine their cash flow.

    Business loans, in particular an unsecured business loan or line of credit for business financing require not be a stressfull process. Finance for a company in the shape in the form of small business loans with an interest rates and repayment term that is suitable for your company financial needs.
    Business Lenders for Business Goals
    I am now able to fund the remodel of our brand modern Pinehaven resturant without having to pull cash from the other ones.
    Pinehaven Resturant Owner
    Business credit rates and repayment terms as well as flexible repayment options to fit you business needs.
    Business Lending Options
    I am now able to take vacation knowing that I am confident that my Pinehaven company will run well.
    Local Business Owner
    I'm able to get my tax back to keep me on track.
    Small Business Owner
    I can now hire an experienced marketer to help me increase the success of my company to the next stage of business growth.
    Growing Business
    A simple loan application process that comes with a high loan limit, with minimal requirements for credit and there is no requirement to provide a business plan. Stop using your personal credit card and business credit cards to finance your company.
    Unsecured Loans Made Simple
    I can now make coffee for my customers with the best equipment.
    Cafe Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    More about the Pinehaven Small Business Loans

    Tell me more about Pinehaven Small Business Loans

    Pinehaven unsecured loans offers the range of $5,000 to $100,000. The terms range between 3 and 24 month and cash flow-friendly repayments which can be made daily or weekly.

    How is this Unsecured Loan different from the traditional company loan?

    Apply for the Small Business Loan in under 10 minutes on the internet or on the phone. You’ll receive a same day response and funds may be in your account within 24 hours. Traditional business loans refer to an annual rate of interest plus other fees and charges. This company loan is a cash-based loan and you’ll be aware in advance of the total amount to be paid, including the interest, fees and charges. Then, it is broken down into either a daily or weekly installment amount.

    What can you use the Small Business Loan be used for?

    It is a Small Business Loan can be used for almost every company reason, such as control of cash flow business remodeling, marketing, to purchase inventory or new equipment, to fund general working capital, and much more. The loan cannot be used to fund personal expenses.

    About the Larger Pinehaven Business Loans

    What is the Larger Pinehaven Business Loan?

    The Larger Business Loan is a larger size loan to aid in business expansion opportunities. Loans are between $100,000 and $500,000 over a fixed term with a maximum of 36 months. The repayments are made weekly or fortnightly, depending on the flow of cash.

    How is the Origination Fee determined?

    The Larger Business Loan has an Origination Fee which is determined at 2.5 percent of the amount of the loan.

    Do I qualify for the Larger Business Loan?

    To be eligible for a loan of this size the business needs to have been operating for a minimum of 3 years with an annual turnover of $700K. It is necessary to be a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old, own a New Zealand business (with a valid NZBN/IRD) and be able to demonstrate at the least 12 months of operating.

    What can the funds be used for?

    A Larger Business Loan can be used for almost any company need, including business remodeling, buying inventory or new equipment or as general working capital and so much more. The loan cannot be used to fund personal expenses.

    Is the Larger Business Loan one that requires security?

    Asset security is needed to obtain funding above $150,000. It’s in the form of a charge over assets, and could include the registration of this in the PPSR or registering a caveat.

    A director’s or personal guarantee is a guarantee to pay back a loan that is generally in nature rather than defining the security for a particular asset. The person signing the guarantee is personally liable if the company the borrower fails to make the repayment.

    The Personal Property Securities Register (PPSR) is a central, national online register run by the New Zealand Government. It reflects security interests that are registered for personal property (including goods or assets). The PPSR permits prioritisation over property that is personal to be granted in accordance with the date on which a registration of a security interest.

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

    What is a pre-approval minus Credit Check?

    If you’re requesting larger company loans of more than $250,000, we may offer an initial pre-approval to simplify the process. We may be able to do this without a credit verification and within 6 hours of the initial application. The pre-approval is based upon a preliminary assessment which includes answering a couple of financial well-being questions. This is in no way an offer, nor is it a guarantee of finance. A conditional approval is subject an exhaustive credit evaluation, and any offer you receive could be subject to different conditions.

    Application process

    Can I be eligible for funding?

    You may be eligible for an company loan if you;

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

    How do I apply?

    The application process is simple and easy. Just fill out the online application in few minutes and an experienced business credit specialist will contact you to guide you.

    To apply for up to $100,000, you’ll need ID details (valid Driver’s License) and an active NZBN/IRD, and at least 6 months of bank statements.

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

    $100K to $250K: Details of application, including credit consent, 6-12 months of bank statements, IRD statement (if loan above $150K).
    $250K to $500K: Details for application including credit consent as well as 12 months of bank records, IRD statement Last 2 years’ finalised financial statements, plus interim financials from the current financial year, Aged Payables and Aged Receivables summary.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K or more) we typically offer an answer within one hour, provided you submit your request during standard business time and allow us to utilise the bank verification system to instantly verify your bank information online. If you want to upload copies of your bank statement, we’ll provide the decision in as little as an business day.

    For the Larger Business Loan ($100K and up) we may be in a position to provide you with conditional pre-approval in around 6 hours. Once you’ve signed the pre-approval document, you will need to wait approximately 2-3 days to receive final approval, however this can be quicker based upon the circumstances for each application. Some offers have been approved in the space of 24 hours.

    The most efficient method for you to apply is make sure you apply during normal business hours. Also, allow us to use the advance bank verification link to instantly verify your bank account information online. If you decide to upload documents from your account statements , it will take a little longer.

    How fast will I get the cash?

    For the Small Business Loan ($5K to $100K) we can often offer a response in one hour if you apply at normal business hours and you allow us to utilise the advanced bank verification system to immediately verify your bank account information online. If you want to upload copies of your bank statements, we are able to provide an answer within 1 business day.

    For Larger Business Loans ($100K up to $500,000) we may be capable of offer you with a conditional pre-approval in about 6 hours. Once you’ve signed the pre-approval, the turnaround time is approximately 2-3 days to receive final approval, however it could be faster based upon the circumstances for each application. Some transactions have received approval in just 24 hours.

    The most effective method for you to apply is make sure you apply during normal business hours, and permit us to use the advanced bank verification system to check your bank’s information online. If you decide to upload the copies of bank accounts, it will take a little longer.

    What is the maximum amount I can borrow?

    We provide loan amounts between $5,000 to $500,000. If you apply for a certain amount, we consider a variety of variables in order to assess how much we can lend you health of the company as well as the amount of payments your business can support. The amount you receive from the loan will be determined by the specifics of your business.

    When you make an application for a particular amount, we will consider a number of factors to assess your well-being of your company and the extent of the repayments your business can support. The amount you receive from your loan will depend on the particular circumstances the company.

    Fees & repayments

    What is the cost for an company loan?

    If you decide to request our business credit, we will assess the risk assessment for your business and provide you with a tailored offer that includes the amount of loan, the term and interest rates. This company loan is an upfront-priced loan and you’ll know in advance the total amount payable including any costs, fees, or interest rates.

    What determines the rate that I pay?

    Interest rates for business loans rates depend on a variety of factors like the amount of money borrowed, what company assets the funds will be used for and the sector the business is in, how long the business is in operation and how long the business has sufficient cash flow to cover the loan, and the overall health or creditworthiness of the business.

    What are the cost?

    There aren’t any hidden costs for our business loans. You’ll know precisely how much you’ll be required to pay, and at what time, from the very first day. There’s no compounding interest and the loan comes with no additional fees (as long as you are able to make your payments in time).

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

    The Origination Fee is the cost associated with establishing and managing the loan. You are only charged this fee if you proceed with the loan. Our Origination Fee is 2.5 percentage of the amount of loan.

    Can I repay the loan early?

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

    If you choose to take this route, please talk to one of our helpful business loans professionals. The professionals will offer you with repayment details and an early payout figure. This is calculated as the total of the principal balance and accrued interest to the time of early payout plus 1.5 percent of the remaining principal as well as any outstanding fees.

    What is the process for repayments?

    To make sure that you don’t miss repayments and to fit in your cash flow cycle we provide repayments either daily or weekly. They will be automatically deducted from your designated company account.

    Security & privacy

    Will my data be secure?

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

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

    Yes. We utilise industry-recognised encryption techniques to protect your sensitive, personal financial information and our funders are ISO 27001 qualified for our dedication to customer security and privacy. We utilise a sophisticated bank verification system that allows you to instantly confirm your bank account information online so we can provide a fast response.

    About business loans

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

    Asset-based borrowing occurs when an company owner utilises assets they own to get a loan. The asset can be a personal asset like the family home or it could be a company asset such as a truck as well as a piece of machine.

    The majority of banks, including the big banks, tend to make loans secured by assets. If you are having difficulty paying back the loan then the asset might be taken over by the lender. In essence it is the process of securing additional financing taking advantage of the value of what you already have.

    What do I require security to get a company loan?

    Up to $150,000 in loans no asset security is required upfront to access the money However, we do require a personal guarantee. If you adhere to the terms of your loan (as stated in your loan contract) Asset security will never be needed. If you take out loans in excess of $150K generally there is the option of a personal ensure and security in the form of a charge over assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction houses and auction websites
    • Debt purchasers & debt collection agencies
    • Direct marketers including mail order, fundraising, telemarketing, direct-mail etc
    • Financial institutions and lenders
    • {Firearm related businesses
    • Foreign currency exchange services
    • Freight forwarding & customs clearing houses
    • Anything gambling related
    • Not-for-profit organisations such as charities and churches etc
    • Smash repairers and panel beaters
    • Pawn shops and pawnbrokers
    • Property developers
    • Shares, stockbrokers or investment businesses
    • Tattoo studios
    • Taxi and ridesharing services
    • Ticket resellers or entertainment sales
    • Vehicle towing services
    • Used automotive companies
    • Vehicle glass tinting
    • Vehicle dismantlers

    Although we cannot assist with an unsecure business loan in the above industries, we might be able to help you by providing the 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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