Unsecured Business Loans Seatoun NZ

Today, You'll Have Everything You Need to Be Successful WithThe Help Of a Seatoun Business Loan

Unsecured Business Loans Seatoun

A Seatoun unsecured business loan is quick and simple to apply for. Approve your loan in a matter of minutes and begin using the money for your business.

  • Could additional funds assist your company in working capital, or to take advantage of the opportunity for growth?
  • What is the financing strategy you are using to fund your business needs?

What to expect:

  • It’s easy to apply and get approved and cash as quickly as tomorrow
  • Optionally no reayments in the first four weeks
  • Amount of loan from $5k up to $500K
  • Terms from three to thirty-six months
  • Competitive rates of interest rates
  • Minimal docs required

The criteria for eligibility for an unsecured business loan within Seatoun are fairly minimal.

Business loan interest rates and repayment terms and flexible repayment options to meet your business needs.
Business Lending Options
I can now hire a marketer to boost my company to the next step.
Growing Seatoun Business
I'm now able take vacation knowing that the Seatoun business will run well.
Local Business Owner
I am now able to fund the renovation of our new Seatoun resturant without having to pull cash from the other restaurants.
Seatoun Resturant Owner
Business loans, specifically an unsecured unsecured business loan or line of credit to business funding need never be an tense procedure. Business finance in the form in the form of small business loans that have an interest rates and repayment schedule that is suitable for the requirements of your business financial needs.
Business Lenders for Business Goals
I can now make espresso for customers using the best equipment.
Cafe Owner
I can get my tax back in order.
Small Business Owner
Simple loan application procedure with a large limit on borrowing, no credit criteria 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 business.
Unsecured Loans Made Simple
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for business loans in Seatoun company financing for company in Seatoun with us is easy and takes just about a couple of minutes, there are no mountains of paperwork or queues.

Approved and receive funds within 1 – 2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Seatoun businesses of all types, whether small, medium or solopreneurs access funds quickly so that they can take advantage of loans to expand and grow.

  • It begins with an easy online application or phone call
  • Flexible repayment terms to suit your company
  • Fast cash in just a day or two days
  • A team that wants both you and your company to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Seatoun of between $5K to $100K are quite minimal.

  • Minimum of 6 months in business
  • A minimum of $6,000 in revenue per month
  • Be a New Zealand based business 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 main trading account
  • Bank statements from the past 6 months

Are you looking for additional funding? Check out the conditions of eligibility for our $100K-$500K company financing.

Here's How Others Have Benefited

Examples of Business Loans

An interior designer saw an opportunity to grow their business and required working capital to finance this expansion. With a monthly income of $300K, they borrowed $250K over 24 months. Their turnaround time was just two days, and all they needed for them to provide the required documents were twelve months' bank statement, IRD confirmation, and trust deed.
Interior Designer
With the busy Christmas season approaching, a clothing store needed working capital to finance additional inventory and benefit from a supplier discount. They secured $20K over the course of 12 months, with no security for assets and received the funds in 24 hours.
Clothing Store
Following the purchase of a pizza store as well as two liquor stores 6-to 12 months ago, the new owners were looking for additional cash. The overall revenue was $500k per month. They could borrow $300K and split it into $100K per store on an option of both 24 and 36 months. There was no security on the owners' houses was required.
Owner of a Pizza Store & 2 Liquor Stores
The owner of a tiny supermarket that was making $70K a month borrowed $76K over a 24 month period with no repayments during the initial 4 weeks. This had a requirement of 12 months' bank statements. Turnaround time was just 6 hours from the moment you applied to receiving the funds.
Grocery Store Small Business Loan
A company coach wanted to invest in an well-being and cosmetics business. With just a little more than twelve thousand dollars in monthly income the company borrowed $24K over 24 months. This required the submission of 12 months' bank statements and was done in only 8 hours.
Business Coach
Simple eligibility checklist

Larger Seatoun Business Loan Eligibility Criteria

The eligibility requirements for loans from larger Seatoun business loans of between $100K and $500K include:

  • Minimum of 3 years trading in business
  • A minimum of $700K annually in revenue
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification proof
  • Have a New Zealand bank as your primary account for trading
  • Bank statements from the past 6 months
  • Some financial statements such and Profit & Loss, and aged accounts Payable and Receivable

You are looking for a lesser amount of funding? Look over the guidelines for eligibility for our $5K to $100K Seatoun unsecured company loans.

Business Lending for a Cash Injection

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

A Seatoun unsecured loan is great to use for any business use. Contact us now.

  • Remodel or expand a commercial premises
  • Staff expansion for busy times
  • Increase stock levels to meet the demand
  • Make a brand new website or enhance your marketing
  • Consider investing in new tools, equipment or the latest technology
  • Purchase extra stock to cover seasonal demand
  • Manage cash flow fluctuations
  • And many more …

Are you looking to start one of these as soon as tomorrow? Contact us or send your application online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All that’s required to begin is your contact details (the name of your company, your name, email and phone) along with the amount you’d like to borrow and your monthly revenue.

During the process and before settlement we will require confirmation of your identity however, not in order to begin:

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

Additionally after we get started, for loans that exceed $150,000, you’ll also require basic financial statements:

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started now.


Apply Now

    Please prove you are human by selecting the Tree.

    Here's How Others Have Benefited

    Examples of Business Loans

    A plumber who's operated their business for three years with monthly sales of $80K was looking for more funding. They were able to borrow $153K over the course of 36 months. The only thing needed to be provided was 12 month bank statement and confirmation from the IRD. The procedure was completed within just a few hours and the plumber got their extra working capital available in their account soon afterward.
    With the busy Christmas time approaching, a clothing store required working capital in order to fund extra stock and take advantage of discounts from suppliers. They secured $20K over the course of 12 months, with no asset security required and had the funds within 24 hours.
    Clothing Store
    An interior designer had noticed an opportunity to increase the size of their business and required working capital to fund this expansion. With a monthly revenue of $300K they took out a loan of $250K for 24 months. The time to turn around for them was only two days and all they needed to provide is 12 months' worth of Bank statements, IRD confirmation, and their trust deed.
    Interior Designer
    After purchasing a pizza store as well as two liquor stores six to 12 months prior, the new owners were looking for additional cash. The overall revenue was 500K per month. They could borrow $300K. This was then split as $100K for each store, with a mix of 24 and 36 months. No security over the owner's houses was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    The owner of a restaurant wanted to open another restaurant and needed funding to remodel. Their bank was not willing to help. The average monthly income for them was $50K. They were able borrow $66K over the course of 24 months. The turnaround time was just 8 hours.
    Restaurant Owner

    The lending landscape has changed

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

    Seatoun SME’s are now being able to get finance from alternative lenders who service Seatoun who are focused on enabling company expansion or smoothing problems with cash flow. In the past the personal sources of credit (drawing equity from the house loan, or using credit cards, personal loans and overdrafts) were the only alternative financing solutions within Seatoun that were available.

    There is now an end to the need for you to rely on using real estate to secure company loans. With an unsecured loan, business funding is simple. Instead of a loan for a term with the bank, business finance for a small company with interest rates and loan terms that help with cash flow is available as business loans.



    High level summary

    Separate personal and business debt

    There are numerous benefits by separating personal and business debt.

    • Your home or other investment properties, aren’t held in order to access funds
    • The business is in a stronger place to develop its own credit history
    • It’s substantially more straightforward when it comes to tax time
    • Businesses can easily assess the situation, track and plan based on being able to easily assess their cash flow position

    Limit your exposure, and make tax times more simple, apply for an unsecured busines loan. Make an application today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your individual and company assets apart will be the fact that your home does not have to be tied for access to the money. If you’re looking for a small business loan in Seatoun up to $100K, asset security will not be required so long as the borrower meets the loan requirements.

    Credit history

    Companies are in a favourable long-term position if they are able to demonstrate credit/debt ability to service.


    A separation between personal and business finances makes it much more straightforward when it comes to tax time, particularly when determining what is the tax-deductible allocation. The IRD has set out guidelines on the proof required in order to deduct deductions from an individual’s tax return. This is an area that the IRD have specifically advised on.

    Cash flow

    Effective management of cash flows is vital to the long-term viability that of any company. By keeping personal and business finance separate, companies can easily view the situation, track and plan based on their ability to accurately determine their cash flow status.

    I'm now able make the coffee I serve my customers with the very best equipment.
    Cafe Owner
    I'm now able to hire an professional marketer to help me take my company to the next step of business growth.
    Growing Business
    I am now able to take an extended vacation knowing that I am confident that my Seatoun business will run well.
    Local Business Owner
    An easy loan application process with a generous borrowing limit, minimal requirements for credit and there is no need to provide a business plan. Stop using your personal credit card and company credit cards to finance your business.
    Unsecured Loans Made Simple
    I'm now able to finance the fitout of our fresh Seatoun resturant without having draw cash from other resturants.
    Seatoun Resturant Owner
    Business loans, especially one that is an unsecured business loan or line of credit for business financing need to not become a tense process. Business finance can be in the form in the form of small business loans with an interest rate and repayment term that is suitable for your company cash flow.
    Business Lenders for Business Goals
    I'm able to get my tax back to keep me on track.
    Small Business Owner
    Business business loans, interest rates and repayment terms as well as flexible repayment options that can be tailored to the needs of your company requirements.
    Business Lending Options
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Seatoun Small Business Loans

    Tell me what you think of the Seatoun Small Business Loans

    Seatoun unsecured loans provides amounts between $5,000 and $100,000. The terms range between 3 and 24 months and cash flow friendly repayments, which are either daily or weekly.

    How is this Unsecured Loan different from a traditional business loan?

    Apply for this Small Business Loan in under 10 minutes via the internet or over the phone, receive an instant response and have the funds on your account within 24 hours. Traditional business loans refer to an annual interest rate along with other charges and fees. We offer a business loan is an upfront priced loan which means you know in advance the amount you will have to pay, including any fees, interest or charges. Then, it is broken down into either weekly or daily payment amount.

    What could you use the Small Business Loan be used for?

    It is a Small Business Loan can be used to fulfill almost every business need, such as cash flow management, business remodels and marketing for purchasing inventory or new equipment, to fund general working capital and much more. The loan is not available for personal use.

    Concerning Larger Seatoun Business Loans

    What is the Larger Seatoun Business Loan?

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

    How’s the Origination Fee determined?

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

    Am I eligible for the Larger Business Loan?

    In order to be eligible for a loan that is this large the company needs to have been operating for a minimum of 3 years and generate an annual revenue of $700,000. You must be a New Zealand Citizen (or Permanent Resident) at least 18 years old as well as own a New Zealand company (with a valid NZBN/IRD) and be able of proving at minimum 12 months of continuous trading.

    How can the funds be used for?

    A Larger Business Loan can be used to fund almost all company use, including business renovations, purchase of 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 necessary for accessing funds over $150,000. This is by taking a charge over assets, which could also include registration with the PPSR or filing as a caveat.

    A personal or director’s guarantee is a guarantee to pay back a loan that is generally based rather than stipulating security over an asset. The person who signs the ensure is personally responsible if the company the borrower fails to pay back the debt.

    The Personal Property Securities Register (PPSR) is an online, central register operated by the New Zealand Government. It lists security interests that are which are registered with respect to personal property (including objects or assets). The PPSR gives prioritisation over property that is personal to be assigned according to the date a security interest has been registered.

    The caveat can be described as a formal document that is filed to offer notice of a legal claim on a property.

    What is a pre-approval without Credit Check?

    If you’re applying for a Larger Business Loan of more than $250K, we may offer an initial pre-approval in order to make the process. We could be able to get this done without a credit check and within 6 hours of the initial application. The pre-approval process is based on an initial assessment, which involves the answer to a series of financial well-being questions. It is neither an offer nor a guarantee of funds. The approval of a conditional loan is subject to an extensive credit evaluation and any offer you are offered could be based on 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 have a New Zealand company (with a valid NZBN/IRD)
    • can demonstrate at least 6 months worth of trade (for a unsecured loan $5K – $100K) or three years of trading (for the Larger Business Loan $100K to $500K)

    How do I apply?

    The application process is quick and simple. Complete the online form in few minutes and an experienced company credit specialist will contact you to guide you through the process.

    To apply for up to $100,000, you’ll need identification details (valid Driver’s License), an active NZBN/IRD, and at least 6 months of bank statements.

    If you’re looking for loans with larger sizes, you’ll also require:

    $100K-$250K: Details of application, including credit consent, 6 – 12 months of IRD statements, bank statements (if the loan is greater than $150K).
    $250K-$500K: Application details 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 such as age-related payables and aged Receivables summary.

    How quickly will I receive an answer?

    For an unsecured loan ($5K up to $100,000) we typically offer an answer within one hour, provided you apply at standard business timings and let us use the advanced bank verification system link to instantly verify your bank information online. If you decide to send us copies of your bank statements , we’ll be able to provide an answer within just 1 company day.

    For the Larger Business Loan ($100K or more) we may be likely to offer the conditional pre-approval in around 6 hours. Once you have signed the pre-approval, the turnaround time is about 2-3 days for final approval. However, this could be shorter based on the circumstances of each application. Some deals have been approved in the space of 24 hours.

    The quickest way to apply for you to apply is make sure you apply during normal company hours. Also, allow us to use the advanced bank verification system to instantly verify your bank information online. If you upload duplicates of your banking accounts, it can take a bit longer.

    How quickly will I receive the money?

    For the Small Business Loan ($5K or more) We can usually provide an answer within one hour – as long as you make your application in standard business time and let us make use of the advanced bank verification system link to instantly verify your bank details online. If you choose to upload copies of your banking statements, we will be able to provide an answer within an business day.

    For the Larger Business Loans ($100K and up) we may be able to offer you with a conditional pre-approval within six hours. Once you’ve signed your pre-approval, turnaround times are approximately 2-3 days to receive final approval. However, it could be faster based upon the circumstances for each application. Certain agreements have been approved in 24 hours.

    The most effective method for you to apply is make sure you apply during normal business hours. You can also let us use the sophisticated bank verification to verify your bank information online. If you opt to send us documents from your account statements it will take a little longer.

    How much can I borrow?

    We provide the loan amount between $5,000 and $500,000. When you submit an application for a specific amount we take into consideration a range of variables in order to assess your well-being that is your business and the amount of payments your business will be able to support. The amount you receive from your loan will be contingent on the specific circumstances the company.

    When you make an application for a specific amount we will consider a number of aspects to determine your well-being for your company as well as the amount of payments your company can afford. The amount you receive from your loan will be contingent on the particulars that are unique to your business.

    Fees & repayments

    How much should you charge for an business loan?

    If you decide to request one of our business credit, we’ll assess the risk profile the company and provide you with a customised offer that includes the loan amount, the terms and the interest rates. This business loan is an upfront-priced loan therefore you will know in advance the total amount payable including any costs, fees, or interest rates.

    What determines the amount I’m charged?

    Interest rates for business loans rates vary due to factors like the amount of money that is borrowed, what company assets the funds are used to purchase and the sector the business is in, how long the company has been operating as well as how long the company has sufficient cash flow to pay for the loan, and also the general health and creditworthiness of the company.

    What are the cost?

    There aren’t any hidden charges for our company loans. You’ll be aware of the amount you be required to pay and when, from the day you sign up. There’s no compounding and the loan comes with no additional fees (as long as you make your payments on time).

    We don’t charge an Application Fee. You are able to request a credit loan with no cost upfront or commitment to apply.

    The Origination Fee covers the expenses involved with establishing and managing the loan. The only way to pay this fee if you choose to proceed with the loan. Our Origination Fee is 2.5 percent of the loan amount.

    Can I pay out the loan earlier?

    You can decide to repay all of your loan at any point in time.

    If you do decide to pursue this option, please contact our helpful business loans specialists. The specialists will provide you with details on repayment and an early payout figure. The figure will be calculated as the total of the principal balance and accrued interest to the time of the early payout plus 1.5 percent of the principal remaining as well as any outstanding fees.

    How do repayments work?

    To help you avoid missing due dates and also to be in line with your cash flow cycle we provide repayments either daily or weekly. They will be automatically deducted from your designated business account.

    Security & privacy

    Will my information be protected?

    The security of your personal information, as well as being upfront about how we collect information, use it, and exchange it, as well as secure your information, is vital and an integral aspect of our relationship with you.

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

    Yes. We employ industry-recognised encryption protocols to safeguard your sensitive, personal financial information and our funders are ISO 27001 qualified for our commitment to security for our customers and privacy. We use an advanced bank verification system that allows you to instantly verify your bank account details online so we can provide a fast response.

    About business loans

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

    Asset-based borrowing is when an business owner borrows from an asset that they own to get the funds for a loan. The asset could be an asset belonging to the personal, like the family home, or it could be a business asset such as a vehicle as well as a piece of machine.

    The vast majority of lenders, even the big banks, tend to make loans secured by assets. If you are having difficulty paying back the loan then the asset could be transferred to the lender. In essence, it is means of securing new funding using the worth of the asset you already have.

    Do I need security for a business loan?

    For loans that exceed $150,000, there is no requirement for asset security upfront to access the money, however we do need an individual guarantee. If you adhere to the terms of your loan (as specified in your loan contract document) and you are able to meet your obligations, asset security will never be needed. If you take out loans in excess of $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 or auction houses
    • Debt collection companies & debt purchasers
    • Direct marketing including mail order, fundraising, telemarketing, direct-mail etc.
    • Financial lenders or institutions
    • {Firearm businesses
    • Foreign currency exchange solutions
    • Customs clearing houses and freight forwarding
    • Anything gambling related
    • Non-profit organisationsincluding charities and churches etc.
    • Smash repairers or panel beaters
    • Pawnbrokers and pawn shops
    • Property development
    • Stockbrokers, shares &invesment businesses
    • Tattoo palours
    • Taxi or ridesharing services
    • Entertainment sales & ticket resellers
    • Towing services
    • Secondhand car dealers
    • Car glass tintingservices
    • Automotive wrecking yards

    Although we can’t help with an unsecured business loan in these types of industries, we may be able to assist by providing a secured business loan.

    NZ Business Loan Brokers Services

    Unsecured Business Loans

    Unsecured Business Loans

    Eligibility Requirements

    Eligibility Requirements

    Apply Now

    Apply Now

    Contact Us

    Contact Us

    Contact Us

    Fill out the form below or Call Now
    0800 102 591

      Please prove you are human by selecting the Tree.