Unsecured Business Loans Ramarama NZ

If You Do This Today, You'll Be On The Right Track To Success WithThe Help Of a Ramarama Business Loan

Unsecured Business Loans Ramarama

A Ramarama unsecured business loan is simple and quick to obtain. Get a quick apporval and use the money for your company.

  • Are additional funds able to help your company in working capital, or to take advantage of an opportunity to grow?
  • What are the best ways to finance your business needs?

You can expect:

  • It’s easy to apply to be approved and receive money as early as tomorrow
  • Optionally , no reayments during the initial 4 weeks
  • Amount of loan from $5k up to $500K
  • Terms from three to thirty-six months
  • Competitive interest rates
  • Minimal docs required

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

Business loans, in particular one that is an unsecured business loan or line of credit to business funding require not be a difficult procedure. Business finance is in the form of small business loans at an interest rate cost, and with a repayment schedule that fits your company financial needs.
Business Lenders for Business Goals
I'm now able make beverages for clients with the very best equipment.
Cafe Owner
I'm now able to finance the fitout of our fresh Ramarama resturant without having to pull cash from the other locations.
Ramarama Resturant Owner
I'm now able employ a marketer to boost my company to the next step.
Growing Ramarama Business
Business credit rates and repayment terms and flexible repayment options that can be tailored to the requirements of your business needs.
Business Lending Options
I can get my tax back on time.
Small Business Owner
I can now take time off knowing that it is safe knowing that Ramarama business will run well.
Local Business Owner
A seamless loan application process with a generous borrowing limit, minimal requirements for credit, and no need to create a business plan. Do not use your personal credit card or business credit card to fund your business.
Unsecured Loans Made Simple
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting an business credit within Ramarama with us is simple and only takes about a couple of minutes, there are no lengthy forms or lines.

Get approved and receive your funds within one to two company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

Our goal is to assist Ramarama companies of all kinds, including medium, small and even soloprenuers to get access to quick funding so that they can use the loan to expand and develop.

  • It all starts with a simple online application, or phone call
  • Flexible repayment terms that can be tailored to your business
  • Fast cash in just a day or two days
  • We want for you as well as your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • Minimum of 6 months in business
  • At least $6,000 of revenue per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for evidence of identity
  • Have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the previous six months

Are you looking for additional funding? Find out the guidelines for eligibility for our $100K-$500K business credit.

Here's How Others Have Benefited

Examples of Business Loans

A gym that had been running for more than three years was looking to expand and required additional equipment. With a monthly turnover of $37K they borrowed$72K over a 24 month period. No security was needed to secure the loan. It was ready to go within the span of 24 hours.
A plumber who's operated their business for 3 years, with the monthly revenue of $80K was looking for additional funding. They took out a loan of $153K for the course of 36 months. All that was needed was 12 months of bank statements and confirmation of the status with IRD. The process was completed within 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 location and required funds to remodel. Their bank was not interested in helping. Their typical monthly earnings was $50K. They were able borrow $66K over 24 months. The turnaround time was just 8 hours.
Restaurant Owner
A company coach was seeking to invest in a health and beauty company. With just a little more than twelve thousand dollars in monthly income they borrowed $24K in 24 months. The loan was based on twelve months worth of statement and was completed in less than 8 hours.
Business Coach
Acquiring a pizza restaurant and two liquor stores 6-to 12 months ago, the new owners needed additional cash. The total revenue of the two stores was more than $500k per month. They were able to borrow $300K and split it into $100K per store with two different 24 and 36 month terms. No security over the owners houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
Simple eligibility checklist

Larger Ramarama Business Loan Eligibility Criteria

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

  • Minimum of 3 year’s experience in business
  • At least $700K in annual income
  • Be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Have an account with a New Zealand bank as your main trading account
  • Bank statements from the last six months
  • Some financial statements such and Profit & Loss and Aged Accounts Payable and Receivable

Looking for a smaller amount of funds? Check out the eligibility requirements for our $5K-$100K Ramarama unsecured company loans.

Business Lending for a Cash Injection

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

A Ramarama unsecured loan is ideal for almost any business need. Contact us now.

  • Expand or renovate commercial spaces
  • Grow the team for busy times
  • Grow stock levels to meet demand
  • Develop a new website, or enhance your marketing
  • Make sure you invest in new equipment, tools , or the latest technology
  • Purchase additional stock to meet the seasonal demand
  • Manage cash flow fluctuations
  • Plus lots more …

Do you want to begin one of these projects as soon as tomorrow? Contact us or apply online now to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All that’s required for starting is your contact details (the name of your company and your name, as well as email or phone number), how much you’d like to borrow as well as your monthly income.

Through the process and before settlement we’ll require confirmation of your identity but not before we can begin:

  • Idenfication information (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 with loans that exceed $150,000, you will also require fundamental 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 busy Christmas season was approaching, a clothing store needed additional working capital to buy more stock and also benefit from discounts from suppliers. They took out a loan of $20K over a period of 12 months without security for assets and received the funds in 24 hours.
    Clothing Store
    A restaurant owner wanted to open a second restaurant and needed funds for the fit out. The bank was not interested in helping. The average monthly income for them was $50K, and they were able to borrow $66K for 24 months. Turnaround was only 8 hours.
    Restaurant Owner
    Following the purchase of a pizza restaurant and two liquor stores six to 12 months earlier the new owners needed additional funds. The total revenue of the two stores was more than $500k per month. They could borrow $300K and split it into $100K per store on 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
    An interior designer had noticed an opportunity to grow their business and required working capital in order to finance this expansion. With a monthly income of $300K, they took out a loan of $250K for 24 months. Their turnaround time was just two days, and all they needed to present is 12 months' worth of Bank statement, IRD confirmation, and their trust deed.
    Interior Designer
    A business coach was seeking to invest in the well-being and cosmetics business. With just a little more than twelve thousand dollars in monthly income the company was able to borrow $24K over 24 months. The loan required 12-month bank statements and was completed in just 8 hours.
    Business Coach

    The lending landscape has changed

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

    Ramarama SME’s are now being able to get finance from alternate lenders servicing Ramarama who are focused on enabling business growth or smoothing out cash flow challenges. In the past private credit options (drawing equity from a house loan or credit cards, personal loans and the overdraft) could be the best alternative financing solutions for Ramarama that were around.

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



    High level summary

    Separate personal and business debt

    There are numerous benefits with separating personal and business debt.

    • Your home, or other investmentsaren’t tied to allow access to funds
    • It is the business stands in much better position to build its own credit history
    • It’s significantly more straightforward for tax time
    • Businesses can easily assess how they are performing, monitor and plan on being able to easily evaluate their cash flow situation

    Limit your exposure, and make tax times more simple, apply for an unsecured busines loan. Get it today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your personal and business assets apart is that your home isn’t necessarily tied up for access to the money. For a modest business loan within Ramarama up to $100K the security of assets won’t be needed as long as the borrower is able to meet their loan obligations.

    Credit history

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


    The separation of personal as well as business finances makes it much more seamless with regards to tax time, particularly when determining what is the tax-deductible allocation. The IRD has set out guidelines on the proof required to claim deductions on an individual’s tax return. This is an area the IRD has advised specifically on.

    Cash flow

    A well-organised cash flow management system is crucial to the long-term viability that of any business. By keeping personal and business finance separate, companies can easily view their cash flow, plan and monitor it based on their ability to accurately assess their cash flow position.

    I'm now able to finance the construction of our modern Ramarama resturant without having to pull cash from the other locations.
    Ramarama Resturant Owner
    A simple loan application process with a huge borrowing limit, minimal requirements for credit and there is no need to provide a business plan. Don't use your personal credit card or business credit cards as a way to finance your business.
    Unsecured Loans Made Simple
    I am now able to make beverages for customers using the best equipment.
    Cafe Owner
    I can now hire an expert marketer to increase the success of my business to the next stage of business growth.
    Growing Business
    I'm able to get my taxes back on track.
    Small Business Owner
    Business loans, in particular an unsecured business loan or line of credit to business funding require to not become a difficult procedure. Finance for a business in the shape in the form of small business loans with an interest rate cost, and with a repayment time that will suit the requirements of your business financial needs.
    Business Lenders for Business Goals
    I'm now able take an extended vacation knowing that I am confident that my Ramarama company will run without a hitch.
    Local Business Owner
    Business loans with interest rates and repayment terms, as well as flexible repayment options to fit you business needs.
    Business Lending Options
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Ramarama Small Business Loans

    Let me know how you are able to avail the Ramarama Small Business Loans

    Ramarama unsecured loans offers the range of $5,000 to $100,000 with terms between 3 and 24 months, cash flow-friendly repayments that are either per day or weekly.

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

    You can apply to get your Small Business Loan in under 10 minutes over the phone, receive a same day response and funds may be available in just 24 hours. Traditional business loans refer to an annual interest rate as well as other fees and charges. Our company loan is an upfront priced loan therefore you’ll be aware in advance of the total amount to be paid, including the interest, fees and charges. This is then broken down into weekly or daily repayment figure.

    What could be the Small Business Loan be used for?

    It is a Small Business Loan can be used for virtually every company reason, such as the management of cash flow, business renovations, marketing for purchasing inventory or new equipment, for general working capital and so much more. The loan cannot be used for personal reasons.

    About Larger Ramarama Business Loans

    What is the Larger Ramarama Business Loan?

    The Larger Business Loan is a larger size of loan that can be used to fund business growth opportunities. Loans range between $100,000 and $500,000 with a fixed-term that can last up to 36 months. The repayments are made weekly or fortnightly in order to accommodate your situation.

    How’s the Origination Fee determined?

    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?

    To qualify for a loan in this amount, your company needs to have been operating for a minimum of 3 years and have an annual turnover of $700,000. The applicant must also be a New Zealand Citizen (or Permanent Resident) who is over the age of 18 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.

    What can the funds be used for?

    A Larger Business Loan can be used to fund almost every business reason, such as company improvements, purchasing inventory or new equipment as well as for general working capital, and much more. The loan is not available for personal reasons.

    Is the Larger Business Loan a secured loan?

    Asset security is necessary for accessing funds over $150,000. It’s as a result of an charge on assets, which could also include the registration of this on the PPSR or filing as a caveat.

    A director’s or personal ensure is a promise to repay credit that is generally based rather than stipulating the security of a specific asset. The person signing the ensure is personally responsible if the company creditor is unable to re-pay the debt.

    The Personal Property Securities Register (PPSR) is a central, national online register operated by the New Zealand Government. It reflects security interests granted to individuals who own personal property (including items or assets). The PPSR gives preference over private property granted depending on the date that a registration of a security interest.

    A caveat is a legal form of document to provide an official notice of a claim on a property.

    What is a pre-approval without Credit Check?

    When you’re applying for a Larger Business Loan that exceeds $250,000 it is possible to offer an initial pre-approval in order to make the process. We may be able to apply for this without a credit check and within 6 hours of your initial application. This pre-approval is made based on an initial assessment that includes answering a couple of financial health questions. It is in no way an offer, nor is it a guarantee of financing. Unconditional approval is subject to an extensive credit evaluation and any offer you are offered could be subject to different terms.

    The application process

    Can I be eligible for funding?

    You may be eligible for a business loan if you;

    • are a New Zealand Citizen (or Permanent Resident)
    • are 18 years or older, have a New Zealand company (with a valid NZBN/IRD)
    • you must prove at least 6 months’ worth of transactions (for for the unsecured loan $5K – $100K) or 3 years of trading (for the Larger Business Loan $100K to $500K)

    How do I apply?

    The application process is quick and simple. Just fill out the online application within a couple minutes, and a dedicated company credit specialist will call you to assist you.

    To be eligible for up to $100,000, you’ll require the right identification documents (valid Driver’s License), an NZBN/IRD that is valid and at least 6 months’ worth of bank statements.

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

    $100K – $250K: Application details including credit approval, 6-12 months of IRD statements, bank statements (if you have a loan of more than $150K).
    $250K to $500K: Details for application including credit consent and 12 month bank accounts, the IRD statements Last 2 years’ finalised financial statements, and interim financial statements for the current year, Aged Payables and Aged Receivables summary.

    How fast will I get a decision?

    For an unsecured loan ($5K to $100K) we usually provide an answer within an hour, provided you apply in quality business time and permit us to utilise the bank verification system link to instantly verify your bank information online. If you want to send us copies of your bank statements , we’ll be able to offer an answer within just one company day.

    For the Larger Business Loan ($100K and up) we may be in a position to offer you with pre-approval conditional to your application within about 6 hours. Once you’ve signed the pre-approval document, you will require to wait between 2 and 3 days for the final approval. However, it could be faster based upon the circumstances for each application. Certain agreements have been approved within less than 24 hours.

    The fastest way for you to apply is ensure you apply during standard business hours. Also, allow us to use the modern bank verification to instantly confirm your bank details online. If you opt to send us duplicates of your banking statement, it may take a bit longer.

    How soon will I receive the funds?

    For the Small Business Loan ($5K or more) We can usually provide an answer in just one hour – provided you submit your request within standard business hours and permit us to use the advanced bank verification system to immediately verify your bank account information online. If you opt to send us copies of your bank statements, we’ll be able to offer the decision within the span of one business day.

    For Larger Business Loans ($100K to $500K) we might be able to offer you with conditional pre-approval in around six hours. Once you have signed the pre-approval, the turnaround time is between 2 and 3 days for the final approval, however this can be faster depending upon the circumstances for each application. Certain offers have been approved in just 24 hours.

    The fastest way for you to apply is ensure you apply during standard business hours. Also, permit us to use the sophisticated bank verification link to verify your bank account information online. If you upload copies of your bank accounts, it may take a bit longer.

    What is the maximum amount I can borrow?

    We offer loan amounts between $5,000 to $500,000. When you make an application for a certain amount we look at a variety of aspects to determine how much we can lend you well-being of your business as well as the amount of payments your business will be able to support. The amount you receive from your loan will be contingent on the specifics that are unique to your business.

    If you apply for a particular amount, we consider a variety of variables to assess your health of the company and the extent of payments your business can support. The amount you receive from your loan will depend on the particular circumstances for your business.

    Fees & repayments

    How much should you charge for an business loan?

    When you request one of our company loan, we’ll assess the risk assessment of your business and provide an individualised proposal that includes the amount of loan, the term and interest rates. This business loan is an upfront-priced loan so you will be aware of the total amount to be paid, including any charges, interest rates or fees.

    What determines the rate that I pay?

    Interest rates for business loans rates depend on a variety of variables like the amount to be borrowed, what business assets the funds are used to purchase in addition to the industry that the company operates in, the long the company has been running, in the event that the business has sufficient cash flow to support the loan, as well as the overall well-being or financial standing of the company.

    What are the charges?

    There aren’t any hidden costs with our company loans. You’ll know precisely how much it is that you be required to pay, and when, from the day you sign up. There’s no compounding interest, and no additional fees (as as long as you pay your payments in time).

    We do not charge an Application Fee. You are able to make an application for loans without any upfront costs or the obligation to take action.

    The Origination Fee covers the expenses involved in establishing and managing the loan. It is only charged for this fee if you proceed with the loan. The Origination Fee for us is 2.5 percent of the loan amount.

    Can I pay off the loan early?

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

    If you choose to pursue this option, please contact our helpful business lending specialists. We will provide you with the details of your repayment as well as an early payout amount. It will be calculated using the sum of the remaining principal amount and any accrued interest at the date of early payout, plus 1.5% of the principal amount remaining and any fees that remain unpaid.

    What is the process for repayments?

    In order to help you avoid missing payments and to work with your cash flow cycle we provide payments that are either daily or weekly. These are automatically withdrawn from the nominated company account.

    Security & privacy

    Will my information be secure?

    The security of your personal information, as well as being transparent about the ways we gather data, process, exchange and secure your information, is of huge importance and an integral aspect of our relationship with you.

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

    Yes. We use industry recognised encryption techniques to protect your personal, sensitive as well as financial data. Our funders are ISO 27001 certified for our dedication to protecting the security of customers and privacy. We employ an exceptionally sophisticated bank verification system link to immediately confirm your bank account information online to offer a fast response.

    About business loans

    How do you define asset-based lending (a secured loan)?

    Asset-based borrowing is when the company owner uses an asset that they own to get the loan. The asset can be an individual property, such as the family home or it could be a business asset such as a vehicle as well as a piece of machine.

    The vast majority of lending institutions, not just the major banks, prefer to secure loans against an asset. If you are having difficulty paying back the loan, then your assets could be taken over by the lender. In essence, it’s a way of securing new funding using the value of what you already own.

    Are I need security to get a company loan?

    For loans that exceed $150K, there is no requirement for asset security before you are able to access the money but we do require the personal guarantee. In the event that you fulfill your loan obligations (as stipulated in your loan contract) and you are able to meet your obligations, asset security will never be required. For loans of over $150K typically, you will need the option of a personal guarantee and security in the form an asset charge.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites or auction houses
    • Debt collection firms & debt purchasers
    • Direct marketing such as mail order, fundraising, telemarketing, direct-mail etc
    • Financial lenders or institutions
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Freight forwarding and customs clearing houses
    • Anything gambling related
    • Non-profit organisationsincluding charities, churches etc
    • Smash repairers and panel beaters
    • Pawnbrokers and pawn shops
    • Property development
    • Shares, stockbrokers and investment businesses
    • Tattoo palours
    • Ridesharing and taxi services
    • Entertainment sales and ticket resellers
    • Towing services
    • Used vehicle dealerships
    • Car glass tinting
    • Automotive wrecking yards

    We can’t assist with an unsecured business loan in those industries, we might be able assist with 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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