Unsecured Business Loans Regis Park NZ

Today, You'll Be Getting Ready For Success With a Regis Park Business Loan

Unsecured Business Loans Regis Park

A Regis Park unsecured business loan is quick and simple in applying for. Request a quick approval and start using the funds for your company.

  • Would extra funds help your business in working capital, or for an opportunity to grow?
  • How do you finance your business needs?

What you can expect:

  • Easy to apply and be approved for funds as soon as tomorrow
  • There is no option to remittances in the initial 4 weeks
  • From $5k to $500K in loans
  • Terms ranging from three to thirty-six months
  • Competitive rates of interest prices
  • Minimal docs

The criteria for eligibility for an unsecured business loan in Regis Park are fairly minimal.

Business loans, especially those that are unsecured business loan or line of credit for business financing require have no stressfull procedure. Business finance can be in the form of small business loans with an interest rate and repayment time that is suitable for your business liquidity.
Business Lenders for Business Goals
I can get my tax back on time.
Small Business Owner
I'm now able employ a marketer to help me take my business to the next stage.
Growing Regis Park Business
Business credit rates and repayment terms and flexible repayment options to fit the needs of your company needs.
Business Lending Options
An easy loan application process with a large limit on borrowing, no requirements for credit and there is no requirement to provide a business plan. Don't use your personal credit card or company credit cards in order to finance your company.
Unsecured Loans Made Simple
I'm now able take an extended vacation knowing that it is safe knowing that Regis Park company will run smoothly.
Local Business Owner
I can now make beverages for customers using the best equipment.
Cafe Owner
I can now fund the fitout of our fresh Regis Park resturant without having to pull cash from the other resturants.
Regis Park Resturant Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for business loans in Regis Park business financing in Regis Park with us is easy and takes just some minutes, without lengthy forms or lines.

Receive approval and cash within 1 – 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Regis Park businesses of all sorts small, medium even solopreneurs to access funds quickly so that they can make use of the loan to expand and grow.

  • It all starts with a simple online application, or phone call
  • Flexible terms for repayment to fit your business
  • Fast and prompt funding within a single day or two days
  • A team of people who want you and your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Regis Park of between $5K and $100K are pretty minimal.

  • A minimum of six months in business
  • At least $6,000 in income 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 proof of identity
  • You should have a New Zealand bank as your principal trading account
  • Bank statements from the past six months

Do you need more money? Check out the eligibility requirements for our $100K to $500K business loan.

Here's How Others Have Benefited

Examples of Business Loans

A plumber who's operated their business for 3 years, with 80K in monthly sales was in require of more funds. They were able to borrow $153K over the course of 36 months. All they needed is 12 months worth of banking statement and confirmation from the IRD. The procedure was completed within a day and the plumber got their extra working capital in their account shortly thereafter.
Plumber
A gym that had been in operation for more than 3 years, was planning to expand and needed more equipment. With an average monthly revenue of $37K they borrowed$72K over a 24 month period. No security was needed to secure the loan. It was compelted in only 24 hours.
Gym
A business coach wanted to invest in an well-being and beauty business. With just a little more than $12K in monthly revenue they borrowed $24K in 24 months. This required twelve months worth of statement and was completed in just 8 hours.
Business Coach
The owner of a tiny grocery store making $70K a month borrowed $76K over a 24-month period with no repayments for the first 4 weeks. This was contingent on 12 months of bank statements. Turnaround time was just 6 hours from the time of application until receiving the funds.
Grocery Store Small Business Loan
Following the purchase of a pizza shop and two liquor stores six to 12 months earlier the new owners were looking for additional cash. The overall revenue was 500K per month. They were able to borrow $300K. This was then split as $100K for each store using a mix of 24 and 36 months. No security over the owners houses was required.
Owner of a Pizza Store & 2 Liquor Stores
Simple eligibility checklist

Larger Regis Park Business Loan Eligibility Criteria

The requirements for eligibility in the larger Regis Park company loans of between $100K and $500K include:

  • Minimum of 3 years in business
  • At least $700K of annual revenue
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for evidence of identity
  • Make sure you have an account at a New Zealand bank as your main trading account
  • Bank statements from the previous 6 months
  • Certain financial statements, such as Profit & Loss, and aged accounts Payable and Receivable

Looking for a smaller amount of funding? Take a look at the eligibility requirements for our $5K to $100K Regis Park unsecured business loans.

Business Lending for a Cash Injection

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

A Regis Park unsecured loan is great for virtually any company need. Call us now.

  • Expand or renovate commercial properties
  • Staff expansion during busy periods
  • Increase stock levels to meet the demand
  • Create a new site or boost your marketing
  • Put money into new tools, equipment or technological advancements
  • Buy extra stock to meet the seasonal demand
  • Control cash flow fluctuations
  • And many more …

Do you want to begin one of these projects as soon as tomorrow? Then get in touch with us or apply online now for the quickjest fasted 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) and the amount you want to borrow, as well as your monthly income.

Through the process and before settlement we’ll need confirmation of who you are but not before we can begin:

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

Additionally after we get started with loans of more than $150,000 you will also need the following 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

    Acquiring a pizza place and two liquor stores six to 12 months earlier, the new owners needed additional cash. The combined revenue was over $500K per month . The owners could borrow $300K and split it into $100K for each store, with two different 24 and 36 month terms. No security over the owners houses was required.
    Owner of a Pizza Store & 2 Liquor Stores
    A business coach was seeking to invest in an health as well as beauty company. With just a little more than 12K in revenue per month the company borrowed $24K over 24 months. This only required 12-month bank statement and was done in only 8 hours.
    Business Coach
    A gym that was in operation for more than 3 years decided to increase its size and needed more equipment. With a monthly income of $37K, they borrowed $72K over a 24- month period. No security was required for the loan and it was settled within 24 hours.
    Gym
    A plumber who has worked in the business for 3 years with the monthly revenue of $80K was in search of additional funds. They took out $153K on a 36 month term. All they needed is 12 months worth of banking statements as well as confirmation of their status with IRD. The process was completed within an hour and the plumber got their extra working capital in ther account in a matter of hours.
    Plumber
    A designer for interiors had seen an opportunity to grow their company and required working capital in order to finance this growth. With a monthly revenue of $300K they took out a loan of $250K for 24 months. Turnaround time for them was only 2 days, and all they needed for them to present was 12 months of bank statements, IRD confirmation, and their trust deed.
    Interior Designer

    The lending landscape has changed

    With banks and traditional lenders tightening their credit terms, the steady stream of alternative and non-bank loan providers entering the market provides an incredible source to take advantage of.

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

    There is now no need for you to depend on using real estate to secure business loans. With an unsecured loan, business financing is now easy. Instead of a term loan with the bank, business finance for a small company with interest rates and loan terms that can help to manage cash flow are available as business lending options.

     

     

    High level summary

    Separate personal and business debt

    There are many benefits by separating personal and business debt.

    • Your home, or other investments, aren’t tied up in order to access funds
    • This business has a stronger position to create its own, solid credit history
    • It’s considerably more straightforward when it comes to tax time
    • Companies can quickly view their cash flow, monitor and plan based on being able to clearly assess their cash flow position

    Limit your exposure, make tax time much easier. Get started with an unsecure company loan. Apply today.

    For those who like the detail

    Separate personal and business debt

    Risk

    One of the main benefits of keeping your personal and company assets apart can be that your house does not have to be tied to access the funds. In the case of a business loan within Regis Park up to $100K, asset security will not be required so long as the borrower fulfills the loan requirements.

    Credit history

    Businesses will be in a stable long-term position when they have a good credit or debt capacity to pay.

    Tax

    A separation between personal and company financial accounts makes it more seamless in the event of tax time, particularly when identifying what is the tax deductible allocation. The IRD has set out the guidelines for the documentation required for claiming deductions on an organisation’s tax return. This is an area where the IRD has advised specifically on.

    Cash flow

    Effective cash flow management is key for the long-term survival that of any business. By keeping personal and company finances separate, companies can easily view the situation, track and plan based on their ability to easily examine their cash flow.

    I can now fund the remodel of our brand new Regis Park resturant without having to borrow cash from other ones.
    Regis Park Resturant Owner
    I can get my tax back to keep me on track.
    Small Business Owner
    I'm now able to prepare the coffee I serve my customers using the very best equipment.
    Cafe Owner
    I am now able to take vacation knowing that I am confident that my Regis Park company will run effortlessly.
    Local Business Owner
    Simple loan application procedure with a large amount of borrowing capacity, a low credit criteria and there is no requirement to submit a business plan. Do not use your personal credit card and business credit cards to finance your business.
    Unsecured Loans Made Simple
    I'm now able hire a marketer to help me take my business to the next stage of business growth.
    Growing Business
    Business business loans, interest rates and repayment terms, as well as flexible repayment options that can be tailored to you business requirements.
    Business Lending Options
    Business loans, specifically one that is an unsecured business loan or line of credit for business funding need never be an tense procedure. Finance for a company in the shape of small business loans that have an interest rates and repayment term that will suit the needs of your company budget.
    Business Lenders for Business Goals
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Regis Park Small Business Loans

    Let me know more about Regis Park Small Business Loans

    Regis Park unsecured loans provides amounts of between $5,000 and $100,000, with terms ranging from 3 and 24 months and cash flow friendly repayments, which are either daily or weekly.

    What makes the Unsecured Loan different from an traditional business loan?

    You can apply for your Small Business Loan in under 10 minutes by phone. You will receive an immediate response, and the money could be available in just 24 hours. Traditional business loans are based on an interest rate per annum together with additional fees and charges. Our company loan is a cash-based loan so you will be aware of the amount you will have to pay, including any fees, charges or charges. Then, it is broken down into either weekly or daily amount to be paid back.

    What could the Small Business Loan be used for?

    The Small Business Loan can be used for nearly any business use, including the management of cash flow, company remodeling, marketing, to purchase inventory or new equipment, as general working capital, and much more. The loan is not available for personal use.

    About the Larger Regis Park Business Loans

    What is the Larger Regis Park Business Loan?

    The Larger Business Loan is a larger amount of loan to help company growth opportunities. Loans are between $100,000 and $500,000 for a fixed period of for up to 36 months. Repayments are either weekly or fortnightly, depending on your situation.

    How is the Origination Fee calculated?

    A 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 the business needs to have been operating for a minimum of 3 years and have an annual turnover of $700K. The applicant must also be a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old and have a New Zealand business (with a valid NZBN/IRD) and be able to prove at least 12 months of trading.

    How can the funds be utilised?

    A Larger Business Loan can be used for nearly any business reason, such as business remodeling, buying new equipment or inventory for general working capital and much more. The loan cannot be used for personal use.

    Is the Larger Business Loan one that is secured?

    Asset security is required to access funding over $150,000. This is in the form of a charge against assets and can be registered in the PPSR or registering as a caveat.

    A personal or director’s ensure is a promise to repay credit that is general in nature rather than specifying the security of a specific asset. The person who signs the guarantee is personally responsible if the company lender is not able to repay the debt.

    The Personal Property Securities Register (PPSR) is a central, national online register run by the New Zealand Government. It contains security interests that are registered for personal property (including objects or assets). The PPSR allows priority over personal property to be assigned in accordance with the date on which a security interest has been registered.

    The caveat can be described as a formal form of document to provide the public notice of a legal claim to property.

    What is a pre-approval without Credit Check?

    If you’re seeking an enterprise loan that exceeds $250,000 it is possible to offer an initial pre-approval to smooth out the process. We might be able to get this done without a credit check and within 6 hours of your initial application. The pre-approval process is based on an initial assessment, which involves answering a couple of financial health questions. It is not an offer or guarantee of financing. A conditional approval is subject an extensive credit evaluation and any offer that you may receive may be based on different terms.

    Application process

    Do I have the right to receive funds?

    You can apply for an business loan if you:

    • are a New Zealand Citizen (or Permanent Resident)
    • are at least 18 years old, own a New Zealand company (with a valid NZBN/IRD)
    • you must prove at least 6 months of trading (for you to qualify for unsecured loan $5K – $100K) or three years of trade (for the Larger Business Loan $100K up to $500K)

    How do I apply?

    The application process is fast and simple. Just fill out the online application within a few minutes and an experienced company loan specialist will contact you to guide you.

    To apply for up to $100,000 you’ll need proof of identity (valid Driver’s Licence), a valid NZBN/IRD and at least six months of bank statements.

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

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

    How quickly will I receive an answer?

    For an unsecured loan ($5K up to $100,000) we usually offer an answer within one hour if you make your application at quality business times and let us make use of the advanced bank verification system link to instantly verify your bank information online. If you want to upload copies of your bank statement, we’ll offer a decision in just an business day.

    If you are applying for a Larger Business Loan ($100K and up) we might be likely to offer you with pre-approval conditional to your application within about 6 hours. After you’ve signed the pre-approval, the turnaround time is between 2 and 3 days for the final approval, however this could be shorter based on the particular circumstances of each application. Certain agreements have been approved in the space of 24 hours.

    The quickest method for you to apply is make sure you apply during standard company hours. You can also let us use the advanced bank verification system to confirm your bank details online. If you opt to upload copies of your bank statements it may take a bit longer.

    How quickly will I receive the cash?

    For the Small Business Loan ($5K and up) we usually provide an answer in just one hour, provided you submit your request at normal business timings and allow us to use the advanced bank verification system to instantly verify your bank’s information online. If you choose to upload copies of your bank statements, we are able to offer the decision within an business day.

    For the Larger Business Loans ($100K up to $500,000) we might be in a position to provide you with a conditional pre-approval within about six hours. Once you have signed the pre-approval, the turnaround time is about 2-3 days for final approval, however this may be quicker depending on the particular circumstances of each application. Some deals have been approved in the space of 24 hours.

    The fastest way is to ensure you apply during standard business hours. Also, permit us to use the advanced bank verification system link to check your bank’s information online. If you decide to upload duplicates of your banking accounts, it may take a bit longer.

    What’s the minimum amount I can borrow?

    We offer loan amounts between $5,000 and $500,000. When you make an application for a certain amount we will consider a number of factors that determine the health of your business as well as the amount of repayments that your company is able to afford. The amount you receive from your loan will be contingent on the specific circumstances that are unique to your business.

    When you make an application for a specific amount we look at a range of elements to determine how much we can lend you such as health for your business and the level of repayments your business is able to afford. The total amount of your loan will be contingent on the specific circumstances the business.

    Fees & repayments

    How do you charge for a business loan?

    If you decide to request business loans with us business loans, we’ll assess the risk profile of your business and offer you with a customised offer, including loan amount, term and the interest rates. A business loan is a loan that is priced upfront therefore you will be aware in advance of the total amount to be paid, including any charges or interest.

    What determines the amount I pay?

    The interest rates on business loans rates vary due to factors including the amount borrowed, the company assets the funds will be used for in addition to the industry that the business operates in, the long the business has been in operation as well as whether the business has sufficient cash flow to cover the loan, as well as the general health and creditworthiness of the company.

    What are the fees?

    There are no hidden fees with our company loans, and you’ll know precisely what it is that you need to pay, and at what time, from day one. There’s no compounding interest, and the loan comes with no additional fees (as as you make your payments in time).

    We don’t charge an Application Fee. You are able to request a credit loan with without any upfront costs or commitment to apply.

    The Origination Fee covers the expenses involved with setting up and managing the loan. This is only a fee if you proceed with the loan. The Origination Fee for us is 2.5 percent of the amount of the loan.

    Can I pay off the loan early?

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

    If you choose to take this route, please call our helpful business credit experts. The professionals will provide you with details on repayment along with an early payout estimate. This is calculated as the total of the principal balance and any accrued interest at the time of early payout and 1.5 percent of the remaining principal as well as any outstanding fees.

    What are the repayment methods?

    To make sure that you don’t miss repayments and to fit in with your cash flow general, we offer repayments that are either weekly or daily. They will be automatically deducted from your nominated business account.

    Security & privacy

    Will my information be secure?

    Protecting your information, and making it clear how we collect information, use it, and exchange it, as well as secure your information, is of huge importance 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 as well as financial data. Our funders are ISO 27001 certified for our commitment to security for our clients and privacy. We make use of an advanced bank verification system that allows you to instantly verify your bank account information online, allowing us to provide an immediate response.

    About business loans

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

    An asset-based loan is when a company owner borrows from the assets they have to obtain the funds for a loan. The asset can be either an asset belonging to the personal, like the family home or a business asset like a truck or piece of equipment.

    The majority of the lenders including the banks with the biggest size, prefer to guarantee loans against assets. If you have trouble paying back the loan, then your asset may be offered for sale by the lender. In essence it is means of securing new financing by using the worth of the asset you already own.

    Do I need security to get a business loan?

    Up to $150,000 in loans it is not necessary to secure assets upfront to access the money but we require a personal guarantee. require the personal guarantee. In the event that you fulfill the loan terms (as detailed in the loan contract) and you are able to meet your obligations, asset security is not required. For loans that exceed $150,000, generally there is a personal ensure and security in the form a charge over assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites & auction houses
    • Debt purchasers & debt collection firms
    • Direct marketers such as fundraising, telemarketing, mail order, direct-mail etc.
    • Finance lenders or institutions
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Customs clearing houses & freight forwarding
    • Gambling related industries
    • Non-profit organisationsincluding charities and churches etc
    • Smash repairers or panel beaters
    • Pawn shops or pawnbrokers
    • Property developers
    • Stockbrokers, shares orinvesment businesses
    • Tattoo palours
    • Ridesharing and taxi services
    • Entertainment sales & ticket resellers
    • Tow truck services
    • Used automotive dealers
    • Car glass tintingcompanies
    • Car dismantlers

    Although we cannot assist with an unsecured business loan in the above industries, we might be able assist 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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    Apply Now

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    Contact Us

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    0800 102 591






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