Unsecured Business Loans Regis Park NZ

In The Next Few Hours, You Could Be Getting Ready For Success WithThe Help Of a Regis Park Business Loan

Unsecured Business Loans Regis Park

A Regis Park unsecured business loan is quick and simple in applying for. Apply for a loan quickly and begin using the money in your company.

  • Do you think that additional funds could help your company by allowing you to work capital or for an opportunity to grow?
  • How do you finance your company needs?

You can expect:

  • It’s easy to apply and get approved and funds as soon as tomorrow
  • There is no option to remittances in the first 4 weeks
  • From $5k to $500K in loans
  • Terms from 3 to 36 months
  • Competitive rates of interest rates
  • Minimal documentation required

The eligibility requirements for an unsecured business loan to be made in Regis Park are fairly minimal.

I'm now able to hire a marketing professional to help me take my company to the next level.
Growing Regis Park Business
I'm now able make beverages for customers using the very best equipment.
Cafe Owner
Simple loan application procedure with a large loan limit, with minimal requirements for credit and no requirement to submit a business plan. Do not use your personal credit card or company credit cards as a way to finance your business.
Unsecured Loans Made Simple
I'm now able fund the construction of our fresh Regis Park resturant without having to borrow cash from other restaurants.
Regis Park Resturant Owner
I am now able to take vacation knowing that it is safe knowing that Regis Park business will run smoothly.
Local Business Owner
I'm able to get my taxes back on track.
Small Business Owner
Business loans, specifically those that are unsecured business loan or line of credit to business financing require not be a stressfull procedure. Business finance in the form of small business loans that have an interest rate and repayment time that is suitable for your company financial needs.
Business Lenders for Business Goals
Business business loans, interest rates and repayment terms as well as flexible repayment options to suit what your company requirements.
Business Lending Options
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting business loans in Regis Park business loans in Regis Park with us is easy and takes only some minutes, without piles of paperwork or long waits.

Receive approval and cash 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 Regis Park companies of all types, whether small, medium or entrepreneurs to obtain funds quickly so that they can use the loan to grow and build.

  • It starts with an easy online application, or phone call
  • Flexible repayment terms to suit your business
  • Fast and quick funding within a single day or two days
  • We want to see you succeed as well as you company to be successful
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 of revenue per month
  • You must be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Make sure you have an account with a New Zealand bank as your principal account for trading
  • Bank statements from the past six months

Need more funds? Review the conditions of eligibility for our $100K to $500K company credit.

Here's How Other People Have Benefited

Examples of Business Loans

A gym that had been going for nearly 3 years was looking to expand and was in need of additional equipment. With a monthly income of $37K, they borrowed$72K over a 24 month period. No security was needed for the loan and it was ready to go within 24 hours.
Gym
A business coach wanted to invest in the well-being as well as beauty company. With just under $12K in monthly revenues the company was able to borrow $24K over 24 months. The loan was based on 12-month bank statements and was done in only 8 hours.
Business Coach
The owner of a small grocery store doing $70K a month borrowed $76K over a 24 month term with no repayments for the first four weeks. This had a requirement of 12 months' bank statements. The turn around time was 6 hours from submitting the application to receiving the money.
Grocery Store Small Business Loan
With the busy holiday season coming up, a store selling clothing required working capital in order to purchase more stock and take advantage of the discount offered by suppliers. They were able to borrow $20K for 12 months with no collateral for their assets, and they had the money in just 24 hours.
Clothing Store
Following the purchase of a pizza place and two liquor stores six to 12 months earlier, the new owners needed additional funds. The revenue total was greater than $500K per month and they were able to borrow $300K. This was then split as $100K for each store using two different 24 and 36 month terms. No security over the owners homes was required.
Owner of a Pizza Store & 2 Liquor Stores
Simple eligibility checklist

Larger Regis Park Business Loan Eligibility Criteria

The eligibility requirements for the larger Regis Park company loans of between $100K to $500K comprise:

  • Minimum of 3 year’s experience in business
  • At least $700K in annual revenue
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for identification proof
  • Make sure you have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the previous six months
  • Some financial statements such and Profit & Loss as well as Aged Accounts Payable and Receivable

Looking for a smaller amount of money? Find out the eligibility requirements for our $5K-$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 ideal for almost every business use. Get in touch with us today.

  • Add or remodel commercial spaces
  • Grow the team for busy times
  • Grow stock levels to meet the demand
  • Build a new website or increase your marketing
  • Consider investing in new equipment, tools , or technological advancements
  • Purchase additional stock to meet the seasonal demand
  • Manage cash flow fluctuations
  • Plus many more …

Want to get started on one of these options as early as tomorrow? Contact us now or apply online to get the fastest and most efficient process.

Quick application checklist

What do you need to apply

All you need for starting is your contact details (company name, your name, email and telephone) and the amount you want to borrow, and your monthly revenue.

In the course of the process and before settlement we’ll require confirmation of who you are, however, not in order to begin:

  • Idenfication information (valid Driver’s License)
  • Business information including trading times owner details, trading time, as well as NZBN (New Zealand Business Number)

Additionally after we get started in the process, for loans over $150,000 you’ll also need the following financial statements:

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started.

 

Apply Now







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    Here's How Others Have Benefited

    Examples of Business Loans

    Following the purchase of a pizza place and two liquor stores six to 12 months prior, the new owners needed more funds. The revenue total was greater than $500K per month . The owners were able to obtain $300K and split it into $100K per store with a mix of 24 and 36 months. There was no security on the owners' homes was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    A gym that was running for more than three years decided to increase its size and required additional equipment. With a monthly income of $37K, they borrowed $72K over a 24 month period. The loan was not secured to secure the loan. It was ready within the span of 24 hours.
    Gym
    The owner of a tiny supermarket that was making $70K a month borrowed $76K over a 24-month period, with no payments during the initial 4 weeks. The loan required 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
    A company coach wanted to invest in the well-being and beauty company. With just over twelve thousand dollars in monthly income, they borrowed $24K over 24 months. This only required the submission of 12 months' bank statement and was done in 8 hours.
    Business Coach
    A designer for interiors had seen an opportunity to expand their company and needed working capital to fund this growth. With a monthly income of $300K, they borrowed $250K over the course of 24 months. Turnaround time for them was just 2 days and all they needed to provide the required documents were twelve months' bank statements along with IRD confirmation and trust deed.
    Interior Designer

    The lending landscape has changed

    With traditional lenders and banks tightening their credit terms The steady flow of non-bank and alternative loan providers entering the market offers an incredible source to tap into.

    Regis Park SME’s are now able to access finance through alternate lenders servicing Regis Park who are focused on enabling business expansion or smoothing out cash flow issues. In the past, personal credit sources (drawing equity from the house loan, or using credit cards, personal loans and credit cards) were the only alternative financing solutions for Regis Park that were around.

    There is now there is no need for you to depend on real estate to secure business lending. With an unsecured loan, business funding is made simple. Instead of a term loan with a bank, business finance for a small business with interest rates and loan terms that can help in cash flow are around as business loans.

     

     

    High level summary

    Separate personal and business debt

    There are numerous benefits in separating personal from business debt.

    • Your home or other investmentsaren’t tied to allow access to funds
    • The company will be in much better place to develop its own credit history
    • It is significantly more straightforward for tax time
    • Companies can quickly view the situation, track and plan based on being able to clearly assess their cash flow position

    Lower your risks, make the tax process much easier. Get started with an unsecured busines loan. Get it today.

    For those who like the detail

    Separate personal and business debt

    Risk

    One of the main benefits of keeping your individual and company assets separate is that your house isn’t necessarily tied up to access the funds. In the case of a business loan in Regis Park up to $100K the security of assets won’t be required as long as the borrower meets their loan obligations.

    Credit history

    Businesses are in a more stable long-term position when they can show good credit and debt serviceability.

    Tax

    Separating personal and business finances makes it significantly more seamless in the event of tax time - particularly when identifying what is the tax-deductible amount. Particularly when determining what is the tax deductible allocation. IRD has laid out rules on the evidence required for claiming deductions on a business’s tax return. This is an area where the IRD have specifically advised on.

    Cash flow

    Effective cash flow management is essential to the long-term survival that of any company. Through keeping your personal finances and company finance separate, businesses can easily view the situation, track and plan based on their ability to accurately determine their cash flow status.

    I'm able get my tax back on time.
    Small Business Owner
    Simple loan application procedure with a huge loan limit, with minimal requirements for credit, and no requirement to submit a business plan. You no longer need to use your personal credit card or business credit cards as a way to fund your company.
    Unsecured Loans Made Simple
    I'm now able employ an professional marketer to boost my company to the next step of business growth.
    Growing Business
    I'm now able to go on vacation knowing that the Regis Park company will run without a hitch.
    Local Business Owner
    Business loan interest rates and repayment terms and flexible repayment options to suit what your company requirements.
    Business Lending Options
    I am now able to make the coffee I serve my customers with the very best equipment.
    Cafe Owner
    Business loans, especially an unsecured business loan or line of credit to business financing need not be a stressfull process. Business finance is in the form of small business loans with an interest rates and repayment time that is suitable for your company liquidity.
    Business Lenders for Business Goals
    I'm now able fund the construction of our modern Regis Park resturant without having draw cash from other ones.
    Regis Park Resturant Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    More about the Regis Park Small Business Loans

    Let me know how you can avail the Regis Park Small Business Loans

    Regis Park unsecured loans provides the range of $5,000 to $100,000. Terms range from 3 and 24 months and cash flow-friendly repayments that are either daily or weekly.

    How is the Unsecured Loan different from the traditional business loan?

    It is imaginable to apply to this Small Business Loan in under 10 minutes on the internet or over the phone. You’ll get an answer within the same day and the money could be in your account within 24 hours. Traditional business loans reference an interest rate per annum along with other charges and fees. Our company loan is a pre-paid loan therefore you’ll be aware in advance of the total amount payable including any fees, interest or charges. Then, it is broken down into weekly or daily installment amount.

    What can the Small Business Loan be used for?

    A Small Business Loan can be used to fulfill almost any company need, such as control of cash flow business remodeling, marketing for purchasing inventory or new equipment, as general working capital, and much more. The loan cannot be used for personal use.

    About Larger Regis Park Business Loans

    What is the Larger Regis Park Business Loan?

    The Larger Business Loan is a larger size loan to aid in business growth opportunities. The loan ranges from $100,000 to $500,000 for a fixed period of up to 36 months. Repayments are either weekly or fortnightly depending on the flow of cash.

    How’s the Origination Fee determined?

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

    Am I eligible for the Larger Business Loan?

    In order to be eligible for a loan in this amount, your company needs to have been in operation for at least 3 years, and have an annual income of $700,000. Your business must belong to a New Zealand Citizen (or Permanent Resident) who is over the age of 18 or have a New Zealand company (with a valid NZBN/IRD) and be able to demonstrate at minimum 12 months of continuous trading.

    How can the funding be used for?

    A Larger Business Loan is a great option for almost every company purpose including company renovations, to purchase inventory or new equipment, as general working capital and so much more. The loan cannot be used for personal use.

    Is the Larger Business Loan one that is secured?

    Asset security is necessary for accessing funds over $150,000. This is as a result of an charge against assets, and could include the registration of this with the PPSR or making a caveat.

    A director’s or personal ensure is a guarantee to pay back a loan that is general in nature, rather than defining security over an asset. The person who is signing the ensure is personally responsible if the company borrower is unable to pay back the debt.

    The Personal Property Securities Register (PPSR) is an online, central register that is operated by the New Zealand Government. It reflects security interests that are registered for personal property (including objects or assets). The PPSR allows preference over private property assigned according to the date a registration of a security interest.

    Caveats are legal document filed to offer notice of a legal claim to a property.

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

    If you’re applying for a Larger Business Loan of $250K or more we may be able to provide an initial pre-approval in order to smooth out 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 made based on a preliminary assessment which includes answering a couple of financial well-being checks. This is not an offer or guarantee of finance. The approval of a conditional loan is subject to an exhaustive credit evaluation, and any offer you receive could have different terms.

    Application process

    Do I have the right to receive funds?

    You are eligible to apply for a business loan if you:

    • are a New Zealand Citizen (or Permanent Resident)
    • are over the age of 18 and own a New Zealand business (with a valid NZBN/IRD)
    • you must prove at least 6 months’ worth of transactions (for the unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K - $500K)

    How do I apply?

    The application process is quick and simple. Just fill out the online application in just a few minutes, and a dedicated business loan specialist will be in touch to help you.

    To apply for up to $100,000 you’ll need proof of identity (valid Driver’s License) along with 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: Application requirements, including credit consent, 6-12 months of bank statements, IRD statement (if credit is over $150K).
    $250K – $500K: Information on the application including credit consent twelve month bank accounts, the IRD statements, last 2 years finalised financial statements, plus interim current financial year financials such as age-related payables and aged Receivables Summary.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K and up) We can usually offer a response in one hour if you submit your request within quality business time and let us utilise the bank verification system link to instantly verify your bank information online. If you opt to upload copies of your banking statements we can provide the decision within just an business day.

    For Larger Business Loans ($100K up to $500,000) we could be capable of provide you with conditional pre-approval within about 6 hours. Once you’ve signed the pre-approval form, it will take around 2-3 days for final approval, however it could be faster based on the circumstances of each application. Certain deals have been approved within the space of 24 hours.

    The quickest way to apply for you to apply is make sure you apply during standard company hours. Also, allow us to use our advanced bank verification system link to verify your bank information online. If you choose to send us documents from your account statement, it may take a bit longer.

    How soon will I receive the funds?

    For the Small Business Loan ($5K up to $100,000) we typically provide an answer within one hour – as long as you apply during standard business hours and you allow us to use the advanced bank verification system link to immediately verify your bank account information online. If you choose to upload copies of your bank statement, we’ll provide a decision in just the span of one business day.

    For the Larger Business Loans ($100K up to $500,000) we may be likely to provide you with conditional pre-approval in around six hours. Once you’ve signed the pre-approval, turnaround times are between 2 and 3 days for the final approval, however this may be quicker depending upon the circumstances for each application. Certain deals have been approved within just 24 hours.

    The fastest way for you to apply is make sure you apply during standard business hours, and let us use the advanced bank verification system link to verify your bank information online. If you choose to send us the copies of bank statements it takes a bit longer.

    How much can I borrow?

    We offer the loan amount between $5,000 to $500,000. If you apply for a particular amount, we take into consideration a range of variables that determine the health for your business as well as the amount of repayments your company is able to afford. The amount you receive from your loan will be contingent on the specifics that are unique to your company.

    When you make an application for a certain amount, we look at a range of aspects to determine your well-being of your business and the extent of repayments that your business can afford. The total amount of your loan will be determined by the specifics that are unique to your business.

    Fees & repayments

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

    If you decide to apply for the company loan, we will assess the risk profile that you have for your business and offer you with a tailored proposal that includes loan amount, term and the interest rates. The company loan is an upfront priced loan which means you be aware of the total amount to be paid, including any interest rates, fees or charges.

    What is the factor that determines the price I’m charged?

    Business loan interest rates depend on a variety of factors like the amount of money borrowed, the company assets the funds will be used for and the sector the business is operating in, how long the company has been running and what percentage of the company has enough cash flow to support the loan, and the general well-being or financial standing of the company.

    What are the costs?

    There aren’t any hidden charges with our business loans, and you’ll know precisely what you be required to pay and when, from the day you sign up. There’s no compounding interest, and no extra fees (as as you make your payments in time).

    We do not charge an Application Fee. You are able to request a credit loan absolutely no upfront cost and no any obligation to sign up.

    The Origination Fee includes the expenses associated with the setting up and management of the loan. This is only a fee if you decide to take the loan. The Origination Fee for us is 2.5% of the amount of the loan.

    Can I pay out the loan early?

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

    If you do decide to do this please contact our helpful business loan specialists. They will offer you with repayment details as well as an early payout amount. This is calculated as the sum of the principal remaining and accrued interest to the time of the early payout and 1.5 percent of the principal remaining plus any outstanding fees.

    What is the process for repayments?

    To make sure that you don’t miss payments and to work with your cash flow cycle we offer repayments that are either weekly or daily. These are automatically withdrawn from the nominated business account.

    Security & privacy

    Will my data be protected?

    The security of your personal information, as well as being transparent about the ways we gather, use, exchange and ensure the security of your information is of huge importance and is an essential element of our relationship with you.

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

    Yes. We use industry recognised encryption standards to protect your sensitive, personal as well as financial data. Our funders are ISO 27001 qualified for our dedication to security for our customers and privacy. We use an advanced bank verification system that allows you to instantly verify your bank account information online, allowing us to offer a fast response.

    About business loans

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

    Asset-based borrowing is when an business owner makes use of an asset that they own to get the funds for a loan. The asset could be a personal asset like the family home or a company asset like a truck or piece or equipment.

    The vast majority of lenders, even the banks with the biggest size, prefer to make loans secured by an asset. If you’re struggling to pay back the loan, your assets could be taken over by the lender. In essence it’s means of securing new funding using the value of what you already own.

    Do I need security to secure a business loan?

    Up to $150,000 in loans the requirement for asset security is not required prior to the loan’s access but we require a personal guarantee. require a personal guarantee. As long as you follow your loan obligations (as detailed in your loan contract document) and you are able to meet your obligations, asset security will never be required. For loans of over $150K typically, you will need a personal guarantee and security is provided in the form of a charge over assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction houses & auction websites
    • Debt collection agencies & debt purchasers
    • Direct marketing including fundraising, telemarketing, mail order, direct-mail etc
    • Finance lenders and institutions
    • {Firearm dealers
    • Foreign currency exchange offerings
    • Customs clearing houses & freight forwarding
    • Anything gambling related
    • Not-for-profit organisations such as charities and churches etc.
    • Smash repairers or panel beaters
    • Pawn shops or pawnbrokers
    • Property developers
    • Shares, stockbrokers or investment businesses
    • Tattoo palours
    • Ride sharing and taxi services
    • Entertainment sales and ticket resellers
    • Towing services
    • Secondhand car dealerships
    • Automotive glass tinting
    • Car wrecking yards

    Although we cannot assist with an unsecure business loan in these industries, we may be able to help you by providing an 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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