Unsecured Business Loans Remuera NZ

Today, You'll Have Everything You Need to Be Successful By ObtainingThe Help Of a Remuera Business Loan

Unsecured Business Loans Remuera

A Remuera unsecured business loan is quick and simple to get. Get a quick apporval and use the money in your business.

  • Do you think that additional funds could help your business with working capital or to take advantage of an opportunity to grow?
  • What is the financing strategy you are using to fund your company requirements?

What you can expect:

  • Simple process to apply to be approved and receive cash as quickly as tomorrow
  • No reayments are permitted in the initial four weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3 to 36 months
  • Competitive rates of interest prices
  • Minimal docs required

The conditions for eligibility for an unsecured business loan within Remuera are fairly minimal.

I can now fund the construction of our fresh Remuera resturant without having to borrow cash from other restaurants.
Remuera Resturant Owner
I'm now able take an extended vacation knowing that it is safe knowing that Remuera business will run smoothly.
Local Business Owner
I can now hire an expert marketer to boost my business to the next stage.
Growing Remuera Business
Simple loan application procedure with a generous limit on borrowing, no requirements for credit and there is no need to submit a business plan. Do not use your personal credit card and business credit cards to finance your company.
Unsecured Loans Made Simple
Business credit rates and repayment terms as well as flexible repayment options to meet your business needs.
Business Lending Options
I can now make espresso for customers with the best equipment.
Cafe Owner
Business loans, specifically one that is an unsecured business loan or line of credit to business funding need have no difficult procedure. Business finance can be in the form of small business loans at an interest rate and repayment term that is suitable for your business budget.
Business Lenders for Business Goals
I'm able get my tax back in order.
Small Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for a business loans for business in Remuera with us is easy and takes only some minutes, without lengthy forms or lines.

Approved and receive money within 1 – 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Remuera companies of all kinds, from small to medium-sized soloprenuers to get access to funding fast so they can take advantage of loans to expand and develop.

  • It starts with an easy online application or a phone call
  • Flexible terms for repayment to fit your business
  • Quick funding in a day or two
  • A team that wants to see you succeed as well as you company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • At least 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 License for evidence of identity
  • You should have a New Zealand bank as your principal account for trading
  • Bank statements from the past 6 months

Looking for more funding? Take a look at the conditions of eligibility for our $100K to $500K company financing.

Here's How Other People Have Benefited

Examples of Business Loans

A gym that had been operating for over three years decided to increase its size and required additional equipment. With monthly revenue of $37K they borrowed $72K over a month period. The loan was not secured and the loan was ready to go within only 24 hours.
A company coach was looking to invest in a health and beauty business. With just a little more than $12K in monthly revenue they borrowed $24K in 24 months. This required 12-month bank statements and was done in only 8 hours.
Business Coach
With the busy Christmas time approaching, a clothing store required working capital in order to purchase more stock and also benefit from the discount offered by suppliers. They took out a loan of $20K over a period of 12 months with no security for assets and received the funds within 24 hours.
Clothing Store
When they purchased a pizza store and 2 liquor stores six to 12 months prior, the new owners were looking for more funds. The revenue total was greater than $500K per month . The owners were able to borrow $300K and split it into $100K per store on two different 24 and 36 month terms. No security over the owners houses was required.
Owner of a Pizza Store & 2 Liquor Stores
A restaurant owner was wanting to open another restaurant and required funds to fit out. Their bank was not interested in helping. The typical monthly income for them was $50K. They were able to borrow $66K over 24 months. Turnaround was only 8 hours.
Restaurant Owner
Simple eligibility checklist

Larger Remuera Business Loan Eligibility Criteria

The criteria for eligibility to be eligible for the larger Remuera company loans of between $100K and $500K are:

  • Minimum of 3 years trading in business
  • At least $700K in annual revenue
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification
  • You should have an account at a New Zealand bank as your principal account for trading
  • Bank statements for the last six months
  • Certain financial statements, such as Profit & Loss and Aged Accounts Payable and Receivable

Looking for a smaller amount of funding? Find out the eligibility requirements for our $5K to $100K Remuera unsecured company loans.

Business Lending for a Cash Injection

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

A Remuera unsecured loan is perfect to use for any company need. Contact us now.

  • Add or remodel commercial properties
  • Staff expansion for busy periods
  • Boost stock levels to meet the demand
  • Create a new site or increase your marketing
  • Consider investing in new tools, equipment or new technologies
  • Make sure you have extra stock on hand to meet seasonal demand
  • Control cash flow fluctuations
  • Plus many more …

Do you want to start working on one of these idea as quickly as tomorrow? Then get in touch with 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 needed to get started is your contact information (company name, your name, email address or phone number) and the amount you’d like to lend, and your monthly income.

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

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

In addition, once we have started, for 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 an well-being and cosmetics business. With just under $12K in monthly revenue, they borrowed $24K over 24 months. This required 12-month bank statement and was done in only 8 hours.
    Business Coach
    The owner of a restaurant wanted to open a second restaurant and needed funds for the remodel. The bank was not willing to help. Typical monthly revenue for them was $50K, and they borrowed $66K over the course of 24 months. The turnaround time was 8 hours.
    Restaurant Owner
    The owner of a small supermarket that was making $70K a month borrowed $76K over a 24-month period with no repayments during the initial 4 weeks. The loan required 12 months of bank statements. The turn around time was 6 hours from the moment you applied to receiving the money.
    Grocery Store Small Business Loan
    An interior designer had noticed an opportunity to increase the size of their business and needed working capital in order to finance this expansion. With a monthly revenue of $300K they borrowed $250K over 24 months. The turnaround time was just two days, and all they had for them to provide was 12 months of bank statements, IRD confirmation, and their trust deed.
    Interior Designer
    After purchasing a pizza shop as well as two liquor stores 6-12 months prior, the new owners were looking for additional cash. The combined revenue was over $500k per month. They were able to borrow $300K, split out as $100K for each store using an option of both 24 and 36 month terms. No security over the owners houses was needed.
    Owner of a Pizza Store & 2 Liquor Stores

    The lending landscape has changed

    In the wake of traditional lenders and banks restricting credit The steady flow of non-bank and alternative loan providers entering the market provides an incredible source for you to take advantage of.

    Remuera SME’s are now able to access finance through alternate lenders servicing Remuera who are focused on enabling company growth or smoothing out cash flow issues. The past was when personal credit sources (drawing equity from the house loan, or by using credit cards in addition to personal loans and the overdraft) provided the most viable alternative financing services available in Remuera that were around.

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



    High level summary

    Separate personal and business debt

    There are substantial benefits associated with the separation of personal and business debt.

    • Your home, or other investments, aren’t tethered in order to access funds
    • The company has a more favourable position to establish its own, clear credit history
    • It is much more seamless at tax time
    • Businesses can easily assess their cash flow, monitor and plan based on their ability to clearly assess their cash flow position

    Limit your exposure, make the tax process more simple, apply for an unsecure loan for business. Apply today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your private and business assets separate can be that your house isn’t required to be tied to allow access to the funds. For a small business loan in Remuera up to $100K asset security won’t be needed as in the event that the borrower has met the loan requirements.

    Credit history

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


    A separation between personal and company finances makes it significantly more seamless with regards to tax time, particularly when determining the tax deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has outlined the guidelines on the proof required to claim deductions on the tax return of a company. This is an area the IRD has advised specifically on.

    Cash flow

    A well-organised cash flow management system is essential to the longevity that of any company. By keeping your personal finances and business finance separate, businesses can easily view their cash flow, plan and monitor it based on the ability to effectively examine their cash flow.

    I am now able to fund the remodel of our brand modern Remuera resturant without having to pull cash from the other locations.
    Remuera Resturant Owner
    Simple loan application procedure with a large borrowing limit, minimal requirements for credit and no requirement to create a business plan. Do not use your personal credit card and company credit cards as a way to finance your business.
    Unsecured Loans Made Simple
    I am now able to take vacation knowing that I am confident that my Remuera business will run without a hitch.
    Local Business Owner
    I am now able to make the coffee I serve my customers with the best equipment.
    Cafe Owner
    Business loans, especially an unsecured business loan or line of credit for business funding need never be an tense process. Business finance is in the form of small business loans that have an interest rate cost, and with a repayment period that is suitable for the needs of your company cash flow.
    Business Lenders for Business Goals
    Business credit rates and repayment terms, as well as flexible repayment options to suit what your company needs.
    Business Lending Options
    I'm able to get my tax back on track.
    Small Business Owner
    I'm now able to hire a marketer to help me take my company to the next level of business growth.
    Growing Business
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Remuera Small Business Loans

    Let me know what you think of the Remuera Small Business Loans

    Remuera unsecured loans offers amounts of between $5,000 and $100,000. Terms range from 3 and 24 months. They also offer cash flow friendly repayments which can be made daily or weekly.

    How is what makes the Unsecured Loan different from a traditional business loan?

    It is possible to apply to get the Small Business Loan in under 10 minutes via the internet or over the phone. You’ll get a same day response and funds may be available in just 24 hours. Traditional company loans refer to an annual rate of interest together with additional fees and charges. This business loan is a loan that is priced upfront which means you know in advance the total amount due, which includes the interest, fees and charges. This is then broken down into a daily or weekly installment amount.

    What could be the Small Business Loan be used for?

    It is a Small Business Loan can be used for virtually any company purpose including control of cash flow business renovations, marketing for purchasing inventory or new equipment, for general working capital and so much more. The loan is not available for personal purposes.

    About Larger Remuera Business Loans

    What is the Larger Remuera Business Loan?

    The Larger Business Loan is a larger size of loan that can be used to fund business growth opportunities. Loans are between $100,000 and $500,000 over a fixed term up to 36 months. Repayments are scheduled weekly or fortnightly in order to accommodate the flow of cash.

    How’s the Origination Fee determined?

    It is important to note that the Larger Business Loan has an Origination Fee that is determined at 2.5 percentage of the loan amount.

    Do I qualify for the Larger Business Loan?

    In order to be eligible for a loan that is this large the company needs to be operating for a minimum of 3 years with an annual turnover of $700,000. The applicant must also be a New Zealand Citizen (or Permanent Resident) over 18 years and have a New Zealand business (with a valid NZBN/IRD) and be able to demonstrate at least 12 months of trading.

    How can the funding be utilised?

    A large business loan is a great option for almost all company reason, such as company renovations, to purchase equipment or inventory as well as for general working capital, and much more. The loan cannot be used to fund personal expenses.

    Is the Larger Business Loan one that requires security?

    Asset security is required for accessing funds over $150,000. This is as a result of an charge on assets, and could be registered with the PPSR or registering a caveat.

    A personal or director’s ensure is a guarantee to repay a loan which is general in nature rather than defining security over an asset. The person who is signing the ensure is personally accountable if the company lender is not able to make the repayment.

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

    An affidavit is an official form of document to offer the public notice of a legal claim to property.

    What exactly is a preapproval without Credit Check?

    If you’re requesting the Larger Business Loan of more than $250,000, we may offer an initial pre-approval that will help smooth out the process. We could be able to make this decision without a credit check, and within 6 hours of your initial application. The pre-approval is based upon an initial assessment, which involves answering a couple of financial health questions. It’s not an offer or guarantee of funds. Acceptance without condition is subject to an extensive credit evaluation and any offer that you are offered could have different terms.

    The application process

    Can I be 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)
    • you must prove at least 6 months of business (for for the unsecured loan $5K – $100K) or 3 years of trading (for the Larger Business Loan $100K up to $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 business credit specialist will contact you to assist you.

    To apply for up $100,000, you’ll require proof of identity (valid Driver’s Licence) and a valid NZBN/IRD as well as at least 6 months of bank statements.

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

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

    How soon will I hear a decision?

    For an unsecured loan ($5K up to $100,000) we usually provide an answer in just one hour, provided you submit your request during quality company timings and you allow us to use the advanced bank verification system to immediately verify your bank account information online. If you decide to send us copies of your bank statements , we are able to offer the decision in as little as one company day.

    If you are applying for a Larger Business Loan ($100K up to $500,000) we may be likely to provide you with conditional pre-approval within 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 this may be quicker depending on the specifics of each application. Some offers have been approved within the space of 24 hours.

    The most effective method can be ensure you apply during standard business hours and permit us to use the advanced bank verification system to verify your bank information online. If you decide to send us the copies of bank accounts, it takes a bit longer.

    How quickly will I receive the money?

    For the Small Business Loan ($5K or more) We can usually provide an answer in just one hour – as long as you apply in normal business time and permit us to use the advanced bank verification system to instantly verify your bank information online. If you choose to submit copies of your bank statement, we’ll provide the decision within an business day.

    If you are applying for Larger Business Loans ($100K and up) we could be capable of provide the conditional pre-approval within six hours. Once you have signed the pre-approval document, you will need to wait approximately 2-3 days to receive final approval. However, it could be faster based on the particular circumstances of each application. Certain deals have been approved within just 24 hours.

    The most effective method would be to make sure you apply during standard business hours and allow us to use our advanced bank verification system to instantly verify your bank information online. If you send us documents from your account statements, it takes a bit longer.

    What’s the minimum amount I can borrow?

    We offer the loan amount between $5,000 and $500,000. If you apply for a specific amount we take into consideration a range of elements in order to assess what is the well-being of your company and the extent of repayments that your company will be able to support. The total amount of the loan will be determined by the particular circumstances for your company.

    When you make an application for a certain amount, we will consider a number of variables to determine your health of your business as well as the amount of repayments your company can afford. The amount you receive from your loan will be determined by the particulars of your business.

    Fees & repayments

    How much do you charge for a company loan?

    If you decide to apply for the business financing, we will assess the risk profile of your business and offer you with a customised offer that includes loan amount, term and interest rates. The company loan is a loan that is priced upfront so you will be aware in advance of the total amount to be paid, including any costs, fees, or interest rates.

    What is the factor that determines the price I pay?

    The interest rates on company loans rates depend on several factors such as the amount that is borrowed, what business assets the money are used to purchase as well as the field the company is operating in, how long the company has been in operation, whether the business has enough cash flow to cover the loan, and the general well-being or creditworthiness of the company.

    What are the cost?

    There are no hidden costs with our company loans. You’ll know exactly how much it is that you need to pay and when, right from the day you sign up. There’s no compounding and no extra fees (as as long as you pay your payments in time).

    We don’t charge an Application Fee. You can apply for a loan with no upfront cost or commitment to apply.

    The Origination Fee is the cost associated with the setting up and management of the loan. The only way to pay this fee if you proceed with the loan. Our Origination Fee is 2.5% of the amount of the loan.

    Can I pay off the loan in advance?

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

    If you choose to do this please speak to our friendly business credit experts. They’ll offer you with details for repayment along with an early payout estimate. This will be calculated as the total of the principal amount remaining and any accrued interest at the date of early payout plus 1.5% of the principal remaining and any outstanding fees.

    What is the process for repayments?

    To ensure that you don’t miss repayments and to fit in with your cash flow routine, we provide payments that are either daily or weekly. These are automatically deducted from the nominated business account.

    Security & privacy

    Will my information be protected?

    Protecting your information, and being transparent about the ways we gather data, process, exchange and ensure the security of your information is of paramount importance and is a crucial 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 personal, sensitive as well as financial data. Our funders are ISO 27001 qualified for our commitment to protecting the security of customers and privacy. We make use of an advanced bank verification system link to instantly verify the bank account details online. This allows us to provide quick responses.

    About business loans

    What is asset-based borrowing (a secured loan)?

    Asset-based borrowing occurs when an business owner utilises an asset they own to make the funds for a loan. The asset can be an individual property, such as the family home or an company asset such as a truck or piece or equipment.

    The majority of lenders, not just the largest banks, are inclined to guarantee loans against an asset. If you are having difficulty paying back the loan, then the asset might be transferred to the lender. In essence, it is the process of securing additional financing using the worth of the asset you already own.

    Are I need security for an company loan?

    For loans of up to $150,000, there is no requirement for asset security prior to the loan’s access However, we require a personal guarantee. require a personal guarantee. In the event that you fulfill your loan obligations (as stated in the loan contract) the security of assets will never be needed. For loans of over $150,000 generally, you are able to get personal ensure and security in the form charges on assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites and auction houses
    • Debt collection agencies & debt purchasers
    • Direct marketers such as mail order, fundraising, telemarketing, direct-mail etc
    • Financial institutions & lenders
    • {Firearm related businesses
    • Foreign currency exchange solutions
    • Freight forwarding & customs clearing houses
    • Anything gambling related
    • Non-profit organisations, charities and churches etc.
    • Panel beaters & smash repairers
    • Pawnbrokers or pawn shops
    • Property development
    • Shares, stockbrokers & investment businesses
    • Tattoo palours
    • Ride sharing and taxi services
    • Entertainment sales or ticket resellers
    • Vehicle towing services
    • Used automotive companies
    • Automotive glass tintingcompanies
    • Vehicle wrecking yards

    We can’t assist with an unsecure business loan in these industries, we may be able to help you by providing the secured business loan.

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

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    0800 102 591

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