Unsecured Business Loans Runciman NZ

If You Do This Today, You'll Be On The Right Track To Success By Obtaining a Runciman Business Loan

Unsecured Business Loans Runciman

A Runciman unsecured business loan is quick and simple to get. Request a quick approval and begin using the money in your company.

  • Are additional funds able to help your company in working capital, or to realise the potential for growth?
  • How are you financing your company needs?

What you can expect:

  • Easy process to fill out and get approved and money as early as tomorrow
  • No reayments are permitted in the first four weeks
  • From $5k to $500K in loans
  • Terms ranging from 3-36 months
  • Competitive rates of interest prices
  • Minimal docs required

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

I'm now able to finance the construction of our fresh Runciman resturant without having draw cash from other locations.
Runciman Resturant Owner
I am now able to take vacation knowing that the Runciman business will run without a hitch.
Local Business Owner
I'm now able employ an professional marketer to take my company to the next stage.
Growing Runciman Business
Business loans, specifically those that are unsecured business loan or line of credit to business funding require have no stressful process. Business finance in the form in the form of small business loans that have an interest rate cost, and with a repayment time that is suitable for the needs of your business liquidity.
Business Lenders for Business Goals
An easy loan application process with a large limit on borrowing, no credit criteria and there is no requirement to provide a business plan. You no longer need to use your personal credit card or business credit cards to fund your business.
Unsecured Loans Made Simple
I can now make the coffee I serve my customers using the very best equipment.
Cafe Owner
Business loan interest rates and repayment terms as well as flexible repayment options that can be tailored to what your company requirements.
Business Lending Options
I'm able get my tax back on time.
Small Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for an business loan in Runciman with us is easy and takes only a few minutes, no piles of paperwork or long waits.

Get approved and receive your funds within 1-2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We aim to help Runciman companies of all types, whether small, medium or solopreneurs access funding fast so they can make use of the loan to expand and grow.

  • It all starts with a simple online application or a phone call
  • Flexible repayment terms that can be tailored to your business
  • Fast funding within a day or two days
  • A team of people who want you and your business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Runciman of between $5K and $100K is fairly low.

  • The minimum period of 6 months for which you must be 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)
  • Passport or
  • Driver’s License to serve as identification proof
  • Use a New Zealand bank as your main trading account
  • Bank statements from the past 6 months

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

Here's How Other People Have Benefited

Examples of Business Loans

An interior designer had noticed an opportunity to grow their business and required working capital in order to finance this expansion. With a monthly revenue of $300K they borrowed $250K over the course of 24 months. Turnaround time for them was only 2 days, and all they had for them to provide is 12 months' worth of Bank statement IRD confirmation, IRD confirmation and trust deed.
Interior Designer
A gym that had been in operation for more than 3 years was looking to expand and needed more equipment. With a monthly turnover of $37K they borrowed $72K over a 24- month period. There was no security requirement and the loan was ready within only 24 hours.
A company coach wanted to invest in the health and cosmetics company. With just over $12K in monthly revenues they borrowed $24K in 24 months. The loan was based on the submission of 12 months' bank statement and was done in only 8 hours.
Business Coach
After purchasing a pizza shop and two liquor stores six to 12 months earlier, the new owners were seeking more funds. The revenue total was greater than 500K per month. They could have borrowed $300K and split it into $100K for each store using the option of 24- and 36 month terms. There was no security on the owners' houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
The owner of a tiny grocery store making $70K a month borrowed $76K over a 24-month period, with no payments during the initial 4 weeks. This required 12 months of bank statements. The turn around time was 6 hours from application to getting the funds.
Grocery Store Small Business Loan
Simple eligibility checklist

Larger Runciman Business Loan Eligibility Criteria

The criteria to be eligible to be eligible for larger Runciman business loans of between $100K to $500K comprise:

  • A minimum of 3 years of business
  • At least $700K of annual revenue
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for identification
  • Use a New Zealand bank as your main trading account
  • Bank statements from the previous six months
  • Some financial statements such and Profit & Loss and Aged Accounts Payable and Receivable

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

Business Lending for a Cash Injection

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

A Runciman unsecured loan is perfect for virtually every company use. Get in touch with us today.

  • Renovate or expand commercial properties
  • Grow the team during busy periods
  • Increase stock levels to keep up with demand
  • Develop a new website, or boost your marketing
  • Consider investing in new equipment, tools , or the latest technology
  • Purchase extra stock to cover the seasonal demand
  • Control cash flow fluctuations
  • And many more …

Do you want to start working on one of these projects as soon as tomorrow? Contact us now or apply online to get the fastest and most effective process.

Quick application checklist

What do you need to apply

All that is needed to get started is your contact details (the name of your company and your name, as well as email and phone) along with the amount you’d like to borrow and your monthly income.

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

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

Additionally after we get started, for loans of more than $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

    The owner of a tiny grocery store doing $70K a month borrowed $76K over a 24-month term , without making any repayments for the first four weeks. This was contingent on 12 months of bank statements. The time to turn around was just six hours from the moment you applied to receiving the money.
    Grocery Store Small Business Loan
    A restaurant owner was wanting to open another restaurant and needed funding to renovation. Their bank wasn't interested in helping. The typical monthly income for them was $50K. They were able borrow $66K over the course of 24 months. Turnaround was only 8 hours.
    Restaurant Owner
    The busy Christmas season was approaching, a clothing store required working capital in order to buy more stock and also benefit from the discount offered by suppliers. They were able to borrow $20K for 12 months without security for assets and received the funds within 24 hours.
    Clothing Store
    A plumber who has had business for three years with 80K in monthly sales was in search of additional funds. They borrowed $153K over 36 months. All they needed is 12 months worth of banking statements as well as confirmation of the loan's status with IRD. The procedure was completed within one day, and the plumber had their extra working capital available in their account soon afterward.
    A business coach was looking to invest in the health and cosmetics business. With just a little more than 12K in revenue per month the company borrowed $24K over 24 months. This only required 12 months of bank statements and was completed in less than 8 hours.
    Business Coach

    The lending landscape has changed

    With banks and traditional lenders tightening credit conditions, the steady stream of alternative and non-bank loan providers entering the market provides the perfect source to make use of.

    Runciman SME’s are now able to access finance through alternate lenders servicing Runciman who are focused on enabling company expansion or smoothing out cash flow issues. In the past, individual credit providers (drawing equity from a home loan or credit cards or personal loans, as well as overdrafts) were the only alternative financing solutions for Runciman that were available.

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



    High level summary

    Separate personal and business debt

    There are many benefits in separating personal from business debt.

    • Your home, or other investmentsaren’t tied in order to access funds
    • It is the company stands in better position to build its own credit history
    • It’s much more seamless at tax time
    • Businesses can easily assess how they are performing, monitor and plan on the ability to clearly assess their cash flow position

    Lower your risks, make your tax time more simple, apply for an unsecure busines loan, apply today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your business and personal company assets apart is that your house isn’t required to be tied for access to the money. If you’re looking for a small business loan in Runciman up to $100K an asset security agreement will not be needed as in the event that the borrower has met their loan obligations.

    Credit history

    Companies will be in a favourable long-term position if they have a good credit or debt capacity to pay.


    A separation between personal and business financial accounts makes it more seamless when it comes to tax time, particularly when determining the tax deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has outlined the guidelines for the documentation required to be able to claim deductions on an organisation’s tax return. This is an area the IRD has advised specifically on.

    Cash flow

    Effective management of cash flows is crucial to the long-term success in any company. Through keeping the personal financial and business finance separate, businesses can easily view their cash flow, plan and monitor it based on the ability to clearly evaluate their cash flow situation.

    A seamless loan application process with a generous loan limit, with minimal requirements for credit, and there is no requirement to present a business plan. You no longer need to use your personal credit card and business credit cards in order to fund your business.
    Unsecured Loans Made Simple
    I am now able to take an extended vacation knowing that my Runciman business will run without a hitch.
    Local Business Owner
    I'm now able to hire a marketing expert to boost my business to the next stage of business growth.
    Growing Business
    Business loans, in particular one that is an unsecured business loan or line of credit to business funding require never be an tense procedure. Finance for a business in the shape of small business loans that have an interest rate and repayment time that will suit your company cash flow.
    Business Lenders for Business Goals
    I'm able to get my tax back in order.
    Small Business Owner
    I can now make beverages for clients using the very best equipment.
    Cafe Owner
    Business credit rates and repayment conditions, and flexible repayment options to fit what your business needs.
    Business Lending Options
    I can now fund the construction of our new Runciman resturant without having draw cash from other resturants.
    Runciman Resturant Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Runciman Small Business Loans

    Tell me how you can avail the Runciman Small Business Loans

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

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

    It is imaginable to apply to your Small Business Loan in under 10 minutes via the internet or on the phone. You’ll receive an immediate response, and the money could be in your account in 24 hours. Traditional company loans refer to an interest rate per annum plus other fees and charges. Our business loan is a pre-paid loan and you’ll know ahead of time the amount you will have to pay, including any interest, fees or charges. This is then broken down into either a daily or weekly installment amount.

    What could the Small Business Loan be used for?

    A Small Business Loan can be used to fulfill almost any business use, including cash flow management, business remodeling, marketing to purchase inventory or new equipment, to fund general working capital and so much more. The loan cannot be used to fund personal expenses.

    About larger Runciman Business Loans

    What is the Larger Runciman Business Loan?

    The Larger Business Loan is a larger loan size to support company growth opportunities. Loans range from $100,000 to $500,000 over a fixed term that can last up to 36 months. Repayments are scheduled weekly or fortnightly, depending on your cash flow.

    How’s the Origination Fee determined?

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

    Can I get the Larger Business Loan?

    To be eligible for a loan of this size the company needs to be in operation for at least 3 years with an annual turnover of $700K. It is necessary to be a New Zealand Citizen (or Permanent Resident) over 18 years, own a New Zealand business (with a valid NZBN/IRD) and be able of proving at minimum 12 months of business.

    How can the funding be utilised?

    A Larger Business Loan can be used to fund almost any business need, including business remodeling, buying inventory or new equipment or as general working capital, and much more. The loan cannot be used for personal purposes.

    Is the Larger Business Loan one that is secured?

    Asset security is needed for accessing funds over $150,000. This can be done in the form of a charge over assets, and may include the registration of this in the PPSR or filing as a caveat.

    A personal or director’s ensure is a guarantee to repay a loan which is generally based rather than specifying the security of a specific asset. The person who signs the ensure is personally responsible if the business borrower is unable to pay back the debt.

    The Personal Property Securities Register (PPSR) is an online central register operated by the New Zealand Government. It records security interests that have been which are registered with respect to personal property (including goods or assets). The PPSR permits priority over personal property to be granted according to the date a registration of a security interest.

    An affidavit is an official form of document to provide an official notice of a claim against a property.

    What is a pre-approval without Credit Check?

    If you’re seeking larger company loans that is greater than $250,000 we can offer an initial pre-approval to simplify the process. We may be able to do this without a credit check, and within six hours of your initial application. This pre-approval is based on an initial evaluation that involves the answer to a series of financial health questions. It’s not an offer or guarantee of credit. A conditional approval is subject a full credit assessment and any offer that you receive could be based on different terms.

    The application process

    Can I be eligible for funding?

    You may 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 demonstrate at minimum 6 months of trading (for 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 fast and easy. Simply complete the online form in few minutes and a dedicated company loan specialist will call you to help you.

    To apply for up $100,000, you’ll require ID details (valid Driver’s License) and an active NZBN/IRD, and at least six months of bank statements.

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

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

    What speed will I be able to get an answer?

    For an unsecured loan ($5K and up) we can often provide an answer within an hour if you submit your request during quality business times and let us make use of the advanced bank verification system to instantly verify your bank details online. If you want to submit copies of your bank statements , we are able to provide the decision within just an business day.

    If you are applying for a Larger Business Loan ($100K and up) we may be capable of provide you with conditional pre-approval within about 6 hours. Once you have signed the pre-approval, turnaround times are between 2 and 3 days for the final approval. However, this can be quicker based on the circumstances of each application. Certain agreements have been approved within 24 hours.

    The quickest method would be to make sure you apply during normal company hours and allow us to use the advanced bank verification system link to check your bank’s information online. If you send us copies of your bank statement, it takes a bit longer.

    How soon will I receive the cash?

    For the Small Business Loan ($5K up to $100,000) we can often offer an answer within an hour – as long as you make your application within standard business hours and allow us to make use of the advanced bank verification system link to instantly verify your bank’s information online. If you choose to submit copies of your bank statement, we’ll provide the decision within one business day.

    If you are applying for Larger Business Loans ($100K to $500K) we could be capable of offer you with a conditional pre-approval within about six hours. After you’ve signed the pre-approval document, you will need to wait approximately 2-3 days to receive final approval. However, this can be faster depending on the specifics of each application. Some transactions have received approval in the space of 24 hours.

    The fastest method for you to apply is ensure you apply during normal business hours, and let us use the advance bank verification to instantly check your bank’s information online. If you send us documents from your account statements it can take a bit longer.

    How much can I borrow?

    We provide loans ranging from $5,000 and $500,000. When you make an application for a specific amount we take into consideration a range of elements that determine what is the well-being of the business and the level of payments your company can afford. The amount you receive from your loan will be contingent on the specific circumstances the company.

    When you make an application for a set amount, we take into consideration a variety of variables to assess the health of the business and the amount of the repayments your company can support. The total amount of your loan will depend on the particular circumstances of your business.

    Fees & repayments

    How much should you charge for an business loan?

    When you apply for the business credit, we’ll assess the risk assessment that you have for your company and provide you with a customised offer including the loan amount, the terms and interest rates. It is a company loan is an upfront cost loan and you’ll know the exact amount to be paid, including any costs, fees, or interest rates.

    What is the basis for the rate I will be charged?

    Interest rates for business loans rates differ based on various factors like the amount of money of money borrowed, the business assets the funds are used to purchase as well as the field the company operates in, how long the company has been running for, what percentage of the business has sufficient cash flow to cover the loan, as well as the overall well-being and creditworthiness of the business.

    What are the fees?

    There aren’t any hidden costs for our business loans. You’ll know precisely how much it is that you be required to pay, and when, right from the very first day. There’s not any compounding interest and there are no additional charges (as as you make your payments punctually).

    We don’t charge an application fee. You can get a cash loan with absolutely no upfront cost and no any obligation to sign up.

    The Origination Fee is the cost associated with establishing and managing the loan. You are only charged this fee if you proceed with the loan. Our Origination Fee is 2.5 percentage of the loan amount.

    Can I pay out the loan early?

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

    If you are deciding to do this please call our helpful business credit professionals. They will provide you with details for repayment along with an early payout estimate. This will be calculated as the total of the remaining principal amount and the accrued interest up to the time of early payout and 1.5% of the principal remaining plus any outstanding fees.

    How do repayments work?

    To make sure you do not miss payments and to work with your cash flow routine, we provide repayments either weekly or daily. These are automatically deducted from your designated company account.

    Security & privacy

    Will my data be secure?

    Making sure that your information is secure, and knowing how we collect data, process, exchange and protect your information, is vital and a vital 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 as well as financial data. Our funders are ISO 27001 certified for our commitment to protecting the security of customers and privacy. We employ an exceptionally sophisticated bank verification system to instantly verify your bank account information online. This allows us to provide rapid response.

    About business loans

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

    An asset-based loan is when a business owner uses an asset that they own to get the funding. The asset can be an individual asset, such as the family home or a business asset like a truck or other piece of machinery.

    The majority of the lenders even the major banks, prefer to make loans secured by assets. If you have trouble paying back the loan then the asset might be sold by the lender. In essence, it’s a way of securing new funding using the value of what you already own.

    Should I need security for a company loan?

    For loans of up to $150,000, the requirement for asset security is not required before you are able to access the money However, we do need an individual guarantee. If you adhere to the terms of your loan (as detailed in your loan contract document) Asset security is not required. For loans over $150K typically, you will need personal ensure and security in the form the charge of assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites & auction houses
    • Debt purchasers or debt collection companies
    • Direct marketers such as fundraising, telemarketing, mail order, direct-mail etc.
    • Financial lenders & institutions
    • {Firearm dealers
    • Foreign currency exchange services
    • Freight forwarding and customs clearing houses
    • Anything gambling related
    • Not-for-profit organisations, charities, churches etc.
    • Smash repairers or panel beaters
    • Pawn shops or pawnbrokers
    • Property developers
    • Stockbrokers, shares &invesment businesses
    • Tattoo palours
    • Taxi and ridesharing services
    • Ticket resellers & entertainment sales
    • Tow truck services
    • Secondhand car dealerships
    • Vehicle glass tintingcompanies
    • Automotive wrecking yards

    Although we cannot assist with an unsecured business loan for these industries, we may be able assist with an 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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