Unsecured Business Loans Red Hill NZ

By This Tomorrow You Could Have Everything You Need to Be Successful WithThe Help Of a Red Hill Business Loan

Unsecured Business Loans Red Hill

A Red Hill unsecured business loan is simple and quick in applying for. Request a quick approval and use the money for your business.

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

You can expect:

  • It’s easy to apply and receive approval and funds as soon as tomorrow
  • Optionally , no reayments during the first 4 weeks
  • From $5k to $500K in loans
  • Terms ranging from 3 to 36 month
  • Competitive rates of interest prices
  • Minimal documentation required

The criteria for eligibility for an unsecured business loan to be made in Red Hill are fairly minimal.

I'm now able make coffee for my clients with the best equipment.
Cafe Owner
Business business loans, interest rates and repayment terms as well as flexible repayment options that can be tailored to the requirements of your business requirements.
Business Lending Options
A straightforward loan application process with a generous limit on borrowing, no requirements for credit and there is no need to provide a business plan. You no longer need to use your personal credit card and business credit card to fund your business.
Unsecured Loans Made Simple
Business loans, in particular one that is an unsecured business loan or line of credit for business funding require to not become a difficult procedure. Business finance in the form of small business loans at an interest rate cost, and with a repayment term that will suit your company budget.
Business Lenders for Business Goals
I am now able to fund the construction of our modern Red Hill resturant without having to pull cash from the other locations.
Red Hill Resturant Owner
I can get my tax back to keep me on track.
Small Business Owner
I am now able to take time off knowing that the Red Hill business will run well.
Local Business Owner
I'm now able employ a marketer to boost my company to the next step.
Growing Red Hill Business
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for the company credit within Red Hill with us is easy and takes just a few minutes, no lengthy forms or lines.

Get approved and receive your funds in 1 to 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Red Hill businesses of all types, whether small, medium or solopreneurs access money quickly, so that they can utilise the loan to expand and develop.

  • It all starts with a simple online application, or phone call
  • Flexible repayment terms to suit your company
  • Fast funding within a day or two days
  • We 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 Red Hill of between $5K and $100K are fairly minimal.

  • At least 6 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)
  • Drivers Licence or Passport for identification proof
  • Have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the previous 6 months

Need more funds? Check out the eligibility requirements for our $100K to $500K company loan.

Here's How Other People Have Benefited

Examples of Business Loans

Following the purchase of a pizza restaurant and two liquor stores six to to 12 months ago, the new owners needed more funds. The overall revenue was $500k per month. They were able to borrow $300K. The loan was split into $100K per store with a mix of 24 and 36 month terms. No security over the owners houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
A restaurant owner was wanting to open a second establishment and required funds to remodel. Their bank wasn't willing to help. The typical monthly income for them 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
The owner of a modest grocery store making $70K a month borrowed $76K over a 24 month term with no repayments for the first 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 money.
Grocery Store Small Business Loan
With the busy Christmas time nearing, a clothing store needed working capital to purchase more inventory and to take advantage of discounts from suppliers. They were able to borrow $20K for 12 months without asset security required and had the funds within 24 hours.
Clothing Store
An interior designer had spotted an opportunity to increase the size of their business and required working capital in order to finance this growth. With an annual revenue of $300K they borrowed $250K in 24 months. The time to turn around for them was only 2 days, and all they had for them to present is 12 months' worth of Bank statements IRD confirmation, as well as their trust deed.
Interior Designer
Simple eligibility checklist

Larger Red Hill Business Loan Eligibility Criteria

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

  • Minimum of 3 year’s experience in business
  • At least $700K of annual income
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for evidence of identity
  • Have a New Zealand bank as your principal trading account
  • Bank statements for the last 6 months
  • Certain financial statements, such as Profit & Loss as well as Aged Accounts Payable and Receivable

Do you require a smaller amount of capital? Find out the eligibility requirements for our $5K to $100K Red Hill unsecured company loans.

Business Lending for a Cash Injection

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

A Red Hill unsecured loan is perfect to use for every business use. Get in touch with us today.

  • Remodel or expand the commercial space
  • Staff expansion during busy periods
  • Increase stock levels to keep pace with demand
  • Make a brand new website or improve your marketing
  • Invest in the latest equipment, tools or the latest technology
  • Purchase extra stock to cover seasonal demand
  • Control cash flow fluctuations
  • Plus lots more …

Want to get started on one of these as soon as tomorrow? So, contact us today or send an application online to get the fastest and most effective process.

Quick application checklist

What do you need to apply

All that’s required to start is your contact information (company name, your name, email and telephone) as well as the amount you’d like to borrow, as well as your monthly income.

During the process and before settlement we’ll require confirmation of who you are, but not to get started:

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

Once we’ve started when it comes to loans over $150,000 you will also require basic financial statements:

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started now.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    A business coach wanted to invest in a well-being and beauty business. With a little over $12K in monthly revenue they borrowed $24K in 24 months. The loan required the submission of 12 months' bank statements and was done in 8 hours.
    Business Coach
    A gym that was running for more than three years, was planning to expand and needed additional equipment. With a monthly turnover of $37K they borrowed $72K over a 24 month period. No security was required and the loan was ready to go in the span of 24 hours.
    Acquiring a pizza shop and 2 liquor stores six to 12 months prior, the new owners were seeking additional cash. The revenue total was greater than $500k per month. They could borrow $300K and split it into $100K for each store using the option of 24- and 36 months. There was no security on the owners' homes was required.
    Owner of a Pizza Store & 2 Liquor Stores
    A designer for interiors had seen an opportunity to grow their company and required working capital to finance the growth. With a monthly revenue of $300K they borrowed $250K over the course of 24 months. Turnaround time for them was just 2 days and all they needed for them to provide were 12 months worth of banking statements, IRD confirmation, and their trust deed.
    Interior Designer
    A restaurant owner wanted to open a second establishment and needed money to fund the installation. Their bank was not interested in helping. The typical monthly income for them was $50K and they were able to get a loan of $66K in 24 months. The turnaround time was just 8 hours.
    Restaurant Owner

    The lending landscape has changed

    With banks and traditional lenders increasing their credit requirements as well as the continuous stream of alternative and non-bank loan providers that are entering the market offers an excellent source for you to tap into.

    Red Hill SME’s are now able to access finance through alternative lenders that service Red Hill who are focused on enabling company growth or smoothing out the cash flow problems. In the past, when private credit options (drawing equity from a house loan, or by using credit cards and personal loans as well as the overdraft) were the only alternative financing solutions available in Red Hill that were available.

    There is now there is no requirement to rely on the real estate market to secure business loans. With an unsecured loan business financing is now easy. Instead of a term loan through banks, business finance for a small business with interest rates and loan terms that can help with cash flow is around as business credit options.



    High level summary

    Separate personal and business debt

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

    • Your home, or other investment properties, aren’t held in order to access funds
    • It is the company is in a more favourable position to establish its own, clear credit history
    • It is much more straightforward during tax time
    • Companies can quickly view, monitor and plan based on the ability to clearly assess their cash flow position

    Lower your risks, 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 company assets separate is that your house isn’t necessarily tied up for access to the money. For a modest business loan within Red Hill up to $100K an asset security agreement will not be required so long as the borrower fulfills the loan requirements.

    Credit history

    Companies are in a favourable long-term position if they have a good credit or debt capability.


    It is crucial to separate personal from business finances makes it much more straightforward with regards to tax time, particularly when determining what is the tax-deductible allocation. The IRD has outlined the rules on the evidence required in order to deduct deductions from an individual’s tax return. This is a subject that the IRD have specifically advised on.

    Cash flow

    A well-organised cash flow management system is essential to the long-term success of any company. By keeping personal and business finances separate, companies can easily view how they are performing, monitor and plan on their ability to accurately determine their cash flow status.

    I can get my tax back on time.
    Small Business Owner
    A seamless loan application process with a generous borrowing limit, minimal credit criteria and there is no requirement to submit a business plan. You no longer need to use your personal credit card or company credit card to finance your company.
    Unsecured Loans Made Simple
    Business business loans, interest rates and repayment conditions, and flexible repayment options to fit what your business needs.
    Business Lending Options
    I'm now able to finance the fitout of our newly constructed Red Hill resturant without having to take cash from other locations.
    Red Hill Resturant Owner
    I'm now able to hire an specialist marketer to take my company to the next step of business growth.
    Growing Business
    Business loans, especially those that are unsecured business loan or line of credit to business funding require have no difficult procedure. Finance for a company in the shape in the form of small business loans at a fixed interest rates and repayment period that is suitable for your company financial needs.
    Business Lenders for Business Goals
    I am now able to make beverages for clients with the very best equipment.
    Cafe Owner
    I'm now able to go on an extended vacation knowing that it is safe knowing that Red Hill company will run smoothly.
    Local Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    More about the Red Hill Small Business Loans

    Tell me more about Red Hill Small Business Loans

    Red Hill unsecured loans provides amounts between $5,000 and $100,000. Terms range from 3 and 24 months and cash flow-friendly repayments which can be made daily or weekly.

    What is this Unsecured Loan different from an traditional business loan?

    The application to get the Small Business Loan in under 10 minutes via the internet or by phone. You will receive an instant response and have the funds available in just 24 hours. Traditional company loans are based on an annual rate of interest together with additional fees and charges. This company loan is a cash-based loan therefore you’ll be aware in advance of the total amount due, which includes the interest, fees and charges. Then, it is broken down into weekly or daily installment amount.

    What could be the Small Business Loan be used for?

    The Small Business Loan can be used for almost any business reason, such as the management of cash flow, business renovations, marketing to purchase inventory or new equipment, for general working capital and much more. The loan is not available to fund personal expenses.

    Concerning Larger Red Hill Business Loans

    What is the Larger Red Hill Business Loan?

    The Larger Business Loan is a larger size loan to aid in business growth opportunities. Loans range from $100,000 to $500,000 over a fixed term for up to 36 months. Repayments are weekly or fortnightly to work with the flow of cash.

    How is the Origination Fee calculated?

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

    Am I eligible for the Larger Business Loan?

    To be eligible for a loan in this amount the business needs to have been in operation for at least 3 years with an annual turnover of $700K. 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 company (with a valid NZBN/IRD) and be able of proving at the least 12 months of operating.

    What can the funding be used for?

    A Larger Business Loan can be used for nearly every company need, including company renovations, purchase of inventory or new equipment, as general working capital and much more. The loan is not available to fund personal expenses.

    Is the Larger Business Loan one that requires security?

    Asset security is necessary to obtain funding above $150,000. This is by taking a charge on assets, and may be registered through the PPSR or filing a caveat.

    A director’s or personal ensure is a promise to repay credit that is general in nature, rather than specifying security over an asset. The person who signs the guarantee is personally liable in the event that the business borrower is unable to repay the debt.

    The Personal Property Securities Register (PPSR) is a central, national online register that is operated by the New Zealand Government. It records security interests that have been registered in respect of personal property (including goods or assets). The PPSR permits preference over private property assigned in accordance with the date on which a security interest was registered.

    Caveats are legal document lodged to provide notice of a legal claim against a property.

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

    If you’re seeking larger company loans of more than $250,000, we may offer an initial pre-approval that will help ease the process. We could be able to apply for this without a credit check and within 6 hours of the initial application. This pre-approval is based on a preliminary assessment which includes answering a couple of financial health checks. This is in no way an offer, nor is it a 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

    Are I eligible for funding?

    You may apply for an company loan if you;

    • are a New Zealand Citizen (or Permanent Resident)
    • are 18 years or older, own a New Zealand business (with a valid NZBN/IRD)
    • must show at least six months of trading (for you to qualify for unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K or $500K)

    How do I apply?

    The process for applying is fast and easy. Just fill out the online application in few minutes and an experienced company lending specialist will contact you to assist you.

    To apply for up $100,000 you’ll need identification details (valid Driver’s License), a valid NZBN/IRD as well as at least six months worth of bank statements.

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

    $100K – $250K: Details of application, including credit consent, 6 – 12 months of IRD statements, bank statements (if loan above $150K).
    $250K-$500K: Details of the application, including credit consent twelve months bank statement, an IRD statements, last 2 years finalised financial statements, plus interim current financial year financials such as age-related payables and aged Receivables Summary.

    How fast will I get a decision?

    For an unsecured loan ($5K to $100K) We can usually provide a response in one hour, provided you apply during standard business times and allow us to utilise the bank verification system to instantly verify your bank details online. If you opt to upload copies of your banking statements we can provide a decision within 1 company day.

    For the Larger Business Loan ($100K to $500K) we might be able to offer you with a conditional pre-approval in about 6 hours. Once you’ve signed the pre-approval document, you will need to wait about 2-3 days for final approval, however it could be faster based upon the circumstances for each application. Some offers have been approved within just 24 hours.

    The quickest way to apply for you to apply is make sure you apply during standard company hours and allow us to use our modern bank verification link to instantly verify your bank account information online. If you upload copies of your bank accounts, it takes a bit longer.

    What is the time frame to receive the money?

    For the Small Business Loan ($5K and up) we typically offer an answer in just one hour if you apply during standard business timings and you allow us to use the advanced bank verification system to instantly verify your bank’s information online. If you opt to submit copies of your bank statements, we’ll be able to offer an answer in as little as an business day.

    If you are applying for Larger Business Loans ($100K up to $500,000) we might be likely to offer you with conditional pre-approval within six hours. After you’ve signed the pre-approval, turnaround times are between 2 and 3 days for the final approval, however this can be faster depending on the specifics of each application. Certain deals have been approved within just 24 hours.

    The most effective method is to ensure you apply during normal business hours. Also, allow us to use the modern bank verification link to verify your bank account information online. If you choose to upload duplicates of your banking statements, it will take a little longer.

    What is the maximum amount I can borrow?

    We offer loans that range from $5,000 and $500,000. When you submit an application for a certain amount we look at a variety of aspects to determine the health that is your company and the amount of repayments your company can support. The amount you receive from your loan will be contingent on the specific circumstances the company.

    When you submit an application for a set amount, we look at a range of aspects to assess how much we can lend you such as health of the company as well as the amount of the repayments your business is able to afford. The total amount of the loan will be determined by the particular circumstances the company.

    Fees & repayments

    What is the cost for an business loan?

    If you decide to request our business loans, we’ll assess the risk profile for your company and provide you with a tailored proposal that includes loan amount, term and interest rates. It is a company loan is an upfront cost loan which means you be aware of the total amount due, which includes any interest rates, fees or charges.

    What determines the amount I will be charged?

    The interest rates on company loans rates depend on a variety of factors like the amount of money that is borrowed, what company assets the money will be used for, the industry the company is in, how long the company has been operating, how long the company has enough cash flow to pay for the loan, as well as the general well-being or creditworthiness of the business.

    What are the costs?

    There aren’t any hidden costs for our business loans. You’ll know precisely how much you’ll need to pay and when, right from the first day. There’s no compounding interest and no extra fees (as long as you are able to make your payments punctually).

    We do not charge an application fee. You can apply for a loan with no upfront cost or any obligation to sign up.

    The Origination Fee covers the expenses involved in establishing and managing the loan. The only way to pay this cost if you take out the loan. The Origination Fee for us is 2.5% of the amount of the loan.

    Can I pay out the loan in advance?

    You may choose to pay back the entire amount of the loan early at any time.

    If you are deciding to take this route, please contact our helpful business credit specialists. We will provide you with details for repayment and an early payout figure. The figure will be calculated as the total of the principal remaining and the accrued interest up to the time of early payout in addition to 1.5% of the principal remaining as well as any outstanding fees.

    What is the process for repayments?

    To help you avoid missing payments and to work with your cash flow cycle we provide repayments either daily or weekly. These are automatically withdrawn from your nominated business account.

    Security & privacy

    Will my data be secure?

    Security of your data, and making it clear the ways we gather the information we collect, use, share and ensure the security of your information is crucial and is a crucial aspect of our relationship with you.

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

    Yes. We make use of industry-standard encryption standards to secure your personal, sensitive and financial data and our funders are ISO 27001 certified for our commitment to protecting the security of customers and privacy. We utilise a sophisticated bank verification system link to immediately verify the bank account details online to offer rapid response.

    About business loans

    What exactly is an asset-based loan (a secured loan)?

    The term “asset-based” refers to borrowing where an company owner uses an asset they own to secure a loan. The asset could be an individual property, such as the family home or it could be a business asset such as a vehicle or other piece of machinery.

    The vast majority of lenders, including the major banks, prefer to guarantee loans against assets. If you’re having trouble paying back the loan, your assets could be taken over by the lender. In essence, it is means of securing new financing by using the value of what you already have.

    Should I require security to secure an company loan?

    For loans up to $150K no asset security is required before you can access the money however, we do require the personal guarantee. In the event that you fulfill your loan commitments (as stipulated in your loan contract document) Asset security is not required. For loans over $150,000 generally there is a personal guarantee and security is provided in the form of charges on assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction houses & auction websites
    • Debt collection firms & debt purchasers
    • Direct marketing including direct-mail, mail order, fundraising, telemarketing etc.
    • Financial institutions or lenders
    • {Firearm dealers
    • Foreign currency exchange solutions
    • Customs clearing houses & freight forwarding
    • Gambling related industries
    • Non-profit organisationsincluding charities and churches etc.
    • Smash repairers and panel beaters
    • Pawn shops or pawnbrokers
    • Property development
    • Stockbrokers, shares andinvesment businesses
    • Tattoo palours
    • Ridesharing or taxi services
    • Entertainment sales or ticket resellers
    • Vehicle towing services
    • Secondhand automotive companies
    • Car glass tinting
    • Vehicle wrecking yards

    While we aren’t able to help with an unsecure business loan for those industries, we might be able to help you by providing 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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