Unsecured Business Loans Silverstream NZ

If You Do This Today, You'll Have Everything You Need to Be Successful With a Silverstream Business Loan

Unsecured Business Loans Silverstream

A Silverstream unsecured business loan is easy and quick to obtain. Request a quick approval and start using the funds to grow your company.

  • Would extra funds help your business with working capital or in achieving the potential for growth?
  • How do you finance your company requirements?

What you can expect:

  • Easy process to fill out and be approved for funds as soon as tomorrow
  • No reayments are permitted in the first 4 weeks
  • The range of borrowing is from $5k to $500K.
  • Terms ranging from three to thirty-six months
  • Competitive interest prices
  • Minimal docs

The conditions for eligibility for an unsecured business loan to be made in Silverstream are fairly minimal.

I'm now able make beverages for clients using the very best equipment.
Cafe Owner
An easy loan application process with a large borrowing limit, minimal requirements for credit, and there is no requirement to submit a business plan. Stop using your personal credit card or business credit card to finance your business.
Unsecured Loans Made Simple
I'm now able fund the construction of our new Silverstream resturant without having draw cash from other ones.
Silverstream Resturant Owner
I'm able to get my tax back to keep me on track.
Small Business Owner
Business loans, specifically one that is an unsecured business loan or line of credit to business funding require have no difficult process. Finance for a business in the shape of small business loans at a fixed interest rate and repayment period that fits the needs of your company liquidity.
Business Lenders for Business Goals
I am now able to take vacation knowing that the Silverstream business will run effortlessly.
Local Business Owner
I'm now able employ an experienced marketer to help me increase the success of my company to the next level.
Growing Silverstream Business
Business loan interest rates and repayment terms and flexible repayment options to meet you business needs.
Business Lending Options
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for an company credit for business in Silverstream with us is simple and only takes about a couple of minutes, there are no lengthy forms or lines.

Be approved and receive your 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 Silverstream businesses of all kinds, including medium, small and even entrepreneurs to obtain funds quickly so that they can use the loan to expand and develop.

  • It begins with an easy online application or by phone
  • Flexible repayment terms to suit your company
  • Fast funding within a day or two days
  • We want both you and your business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • A minimum of six months in business
  • At least $6,000 revenue per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for identification proof
  • Use a New Zealand bank as your main trading account
  • Bank statements from the past 6 months

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

Here's How Other People Have Benefited

Examples of Business Loans

The owner of a small grocery store doing $70K a month borrowed $76K over a 24-month term with no repayments during the initial 4 weeks. This had a requirement of 12 months' bank statements. The turnaround time was only 6 hours from submitting the application to receiving the money.
Grocery Store Small Business Loan
A business coach wanted to invest in an health and cosmetics business. With a little over $12K in monthly revenue they borrowed $24K in 24 months. The loan was based on 12-month bank statement and was done in only 8 hours.
Business Coach
A plumber who has had business for three years and has 80K in monthly sales was looking for additional funding. They took out $153K on the course of 36 months. The only thing needed were 12 months' worth of statements as well as confirmation from the IRD. The process was completed in less than one day, and the plumber had their extra working capital available in their account soon afterward.
The owner of a restaurant wanted to open another restaurant and needed funds for the remodel. The bank was not interested in helping. Typical monthly revenue for them was $50K. They borrowed $66K over 24 months. The turnaround time was just 8 hours.
Restaurant Owner
The busy Christmas season was fast approaching, a clothes store required additional working capital to purchase more stock and also benefit from discounts from suppliers. They borrowed $20K over 12 months with no asset security required and had the funds within 24 hours.
Clothing Store
Simple eligibility checklist

Larger Silverstream Business Loan Eligibility Criteria

The eligibility requirements for larger Silverstream business loans of between $100K and $500K consist of:

  • Minimum of 3 year’s experience in business
  • At least $700K in annual income
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Use an account at a New Zealand bank as your primary account for trading
  • Bank statements from the previous 6 months
  • Certain financial statements include Profit & Loss and the Aged Accounts Payable and Receivable

Are you looking for a lower amount of money? Find out the eligibility requirements for our $5K to $100K Silverstream unsecured business loans.

Business Lending for a Cash Injection

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

A Silverstream unsecured loan is perfect to use for every company purpose. Talk to us today.

  • Add or remodel commercial spaces
  • Staff expansion for busy periods
  • Grow stock quantities to meet the demand
  • Build a new website or boost your marketing
  • Put money into new equipment, tools or new technologies
  • Purchase additional stock to meet seasonal demand
  • Control cash flow fluctuations
  • And many more …

Do you want to start working on one of these as soon as tomorrow? Then get in touch with us or send your application online to get the fastest and most effective process.

Quick application checklist

What do you need to apply

All that’s needed to begin is your contact details (the name of your company, your name, email address, phone) as well as the amount you’d like to borrow and your monthly earnings.

During the process and before settlement we will require confirmation of who you are however, not in order to begin:

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

Once we’ve started, for loans of more than $150,000 you will also require the following financial statements:

  • Profit & Loss 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 plumber who's been in business for three years with monthly sales of $80K was looking for additional funding. They took out a loan of $153K for the course of 36 months. All that was needed is 12 months worth of banking statement and confirmation of the status with IRD. The process was complete within an hour and the plumber had their extra working capital in their account in a matter of hours.
    A gym that was in operation for more than 3 years wanted to grow and was in require of additional equipment. With a monthly turnover of $37K they borrowed$72K over a 24 month period. The loan was not secured and the loan was ready to go in 24 hours.
    An interior designer had noticed an opportunity to expand their company and needed working capital to finance the expansion. With an annual revenue of $300K they borrowed $250K over 24 months. The turnaround time was just 2 days and all they had to provide was 12 months of bank statements IRD confirmation, as well as trust deed.
    Interior Designer
    A company coach was looking to invest in the well-being as well as beauty company. With just under $12K in monthly revenues, they borrowed $24K over 24 months. The loan required the submission of 12 months' bank statement and was done in 8 hours.
    Business Coach
    The proprietor of a small grocery store making $70K a month borrowed $76K over a 24-month period, with no payments for the first 4 weeks. This was contingent on 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

    The lending landscape has changed

    In the wake of traditional lenders and banks tightening credit conditions and the constant stream of alternative and non-bank loan providers entering the market offers a great resource to take advantage of.

    Silverstream SME’s are now capable of accessing finance through alternate lenders servicing Silverstream who are focused on enabling business growth or smoothing out cash flow issues. In the past, personal credit sources (drawing equity from a house loan or credit cards and personal loans as well as the overdraft) was the sole alternative financing services within Silverstream that were around.

    There’s an end to the need in the present to depend on using real estate to secure business loans. With an unsecured loan, business financing is now easy. Instead of a term loan through banks, business finance for a small business with interest rates and loan terms that can help with cash flow is around as business credit options.



    High level summary

    Separate personal and business debt

    There are many advantages associated by separating personal and company debt.

    • Your home, or other investments, aren’t tied up for the purpose of accessing funds
    • It is the business is in a much better place to develop its own credit history
    • It’s considerably more straightforward when it comes to tax time
    • Businesses are able to easily review how they are performing, monitor and plan on their ability to clearly evaluate their cash flow situation

    Limit your exposure, and make tax times easier, get started with an unsecure company loan. Make an application today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your personal and company assets apart will be the fact that your home does not have to be tied to access the funds. For a small business loan within Silverstream up to $100K asset security won’t be required as long as the borrower fulfills the loan requirements.

    Credit history

    Businesses are in a more favourable long-term position if they have a good credit or debt serviceability.


    Separating personal and company finances makes it significantly more straightforward when it comes to tax time, especially when it comes to determining the tax-deductible amount. The IRD has set out guidelines for the documentation required to be able to claim deductions on an organisation’s tax return. This is an area the IRD have specifically advised on.

    Cash flow

    Effective management of cash flows is essential to the long-term viability that of any business. By maintaining personal as well as company finances separate, companies can easily view their cash flow, plan and monitor it based on the ability to clearly evaluate their cash flow situation.

    I'm now able employ a marketer to help me take my business to the next level of business growth.
    Growing Business
    Business loans, particularly one that is an unsecured business loan or line of credit for business financing require have no stressful process. Business finance can be in the form of small business loans that have an interest rates and repayment term that will suit the needs of your company financial needs.
    Business Lenders for Business Goals
    A seamless loan application process with a huge borrowing limit, minimal credit criteria and there is no need to present a business plan. You no longer need to use your personal credit card and business credit cards in order to finance your business.
    Unsecured Loans Made Simple
    Business loan interest rates and repayment terms, as well as flexible repayment options to meet your business needs.
    Business Lending Options
    I can now take time off knowing that the Silverstream business will run effortlessly.
    Local Business Owner
    I'm able to get my tax back to keep me on track.
    Small Business Owner
    I'm now able to prepare the coffee I serve my customers with the best equipment.
    Cafe Owner
    I'm now able to finance the remodel of our brand modern Silverstream resturant without having to pull cash from the other locations.
    Silverstream Resturant Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Silverstream Small Business Loans

    Let me know more about Silverstream Small Business Loans

    Silverstream unsecured loans provides amounts between $5,000 and $100,000. Terms range from 3 and 24 month and cash flow-friendly repayments that are either per day or weekly.

    What is how is the Unsecured Loan different from an ordinary business loan?

    You can apply for this Small Business Loan in under 10 minutes over the phone. You’ll get an immediate response, and the funds could be in your account in 24 hours. Traditional business loans are based on an interest rate per annum plus other fees and charges. This business loan is a pre-paid loan so you will know ahead of time the total amount to be paid, including any fees, charges or charges. This is then broken down into a daily or weekly payment amount.

    What can the Small Business Loan be used for?

    A Small Business Loan can be used to fulfill almost every company reason, such as the management of cash flow, company remodels and marketing to purchase inventory, new equipment, as general working capital, and much more. The loan is not available for personal purposes.

    About Larger Silverstream Business Loans

    What is the Larger Silverstream Business Loan?

    The Larger Business Loan is a larger loan size to support company expansion opportunities. The loan ranges from $100,000 to $500,000 over a fixed term that can last up to 36 months. Repayments are either weekly or fortnightly in order to accommodate the flow of cash.

    How is the Origination Fee calculated?

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

    Am I eligible for the Larger Business Loan?

    To qualify for a loan that is this large the business needs to be in operation for at least 3 years, and have an annual income of $700K. The applicant must also be a New Zealand Citizen (or Permanent Resident) with a minimum age of 18 years old or have a New Zealand company (with a valid NZBN/IRD) and be able to prove at least 12 months of trading.

    What can I use the funds for?

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

    Is the Larger Business Loan one that requires security?

    Asset security is needed to access funding over $150,000. It is usually in the form of a charge on assets, and could include registering this with the PPSR or the registration of as a caveat.

    A personal or director’s ensure is a promise to repay a loan which is generally in nature rather than stipulating security over a particular asset. The person who is signing the ensure is personally liable if the business creditor is unable to re-pay the debt.

    The Personal Property Securities Register (PPSR) is a central, national online register run by the New Zealand Government. It reflects security interests which are registered with respect to personal property (including goods or assets). The PPSR allows priority over personal property to be granted according to the date the security interest that is registered.

    The caveat can be described as a formal document filed to offer the legal claim to a property.

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

    If you’re requesting the Larger Business Loan of more than $250K we can offer an initial pre-approval that will help simplify the process. We may be able to apply for this without a credit check and within six hours of your initial application. The pre-approval process is based on an initial assessment, which involves answering a couple of financial well-being checks. It is in no way an offer, nor is it a guarantee of financing. Acceptance without condition is subject to a full credit assessment and any offer that you are offered could be on different conditions.

    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 over the age of 18 and own a New Zealand company (with a valid NZBN/IRD)
    • you must demonstrate at minimum 6 months worth of trade (for a unsecured loan $5K – $100K) or three years of trade (for the Larger Business Loan $100K or $500K)

    How do I apply?

    The process for applying is fast and simple. Just complete the online application in few minutes and a dedicated company lending specialist will call you to guide you through the process.

    For a loan of up to $100,000, you’ll need the right identification documents (valid Driver’s License) along with an active NZBN/IRD, and at least 6 months’ worth of bank statements.

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

    $100K to $250K: Details of application, including credit approval, 6-12 months of IRD statements, bank statements (if you have a loan of more than $150K).
    $250K-$500K: Application details including credit consent and 12 months bank statement, an IRD statement as well as the two most recent years’ financial statements, and interim financial statements for the current year including Aged Payables, Aged Receivables reports.

    How fast will I get a decision?

    For an unsecured loan ($5K to $100K) we usually offer an answer in just one hour, provided you make your application at standard company times and you allow us to utilise the bank verification system to instantly verify your bank information online. If you opt to send us copies of your bank statements , we are able to provide an answer within just 1 business day.

    For the Larger Business Loan ($100K or more) we might be capable of provide you with a conditional pre-approval within six hours. After you’ve signed your pre-approval document, you will require to wait approximately 2-3 days to receive final approval. However, it could be faster based upon the circumstances for each application. Certain transactions have received approval in the space of 24 hours.

    The fastest way is to ensure you apply during standard business hours. You can also allow us to use our advanced bank verification system link to instantly verify your bank account information online. If you decide to upload the copies of bank statements it can take a bit longer.

    How fast will I get the funds?

    For the Small Business Loan ($5K or more) we typically offer an answer in just one hour, provided you make your application at normal business hours and let us utilise the advanced bank verification system to immediately verify your bank account information online. If you choose to submit copies of your bank statements, we are able to provide the decision in as little as an business day.

    If you are applying for Larger Business Loans ($100K or more) We may be in a position to provide you with conditional pre-approval within six hours. Once you’ve signed the pre-approval document, you will need to wait around 2-3 days for final approval. However, it could be faster based on the circumstances of each application. Some agreements have been approved in less than 24 hours.

    The fastest way is to ensure you apply during standard business hours. Also, let us use the sophisticated bank verification link to instantly verify your bank information online. If you opt to upload the copies of bank statement, it will take a little longer.

    How much can I borrow?

    We offer loans ranging from $5,000 to $500,000. When you make an application for a certain amount we look at a variety of factors in order to assess the well-being of the business as well as the amount of payments your company can support. The total amount of your loan will depend on the particular circumstances of your company.

    If you apply for a set amount, we consider a variety of factors to determine your well-being of the company and the level of repayments that your company can support. The amount you receive from the loan will be determined by the particulars that are unique to your company.

    Fees & repayments

    How much should you charge for an company loan?

    When you apply for business loans with us business financing, we will assess the risk profile for your business and provide you with a customised offer that includes the amount of loan, the term and the interest rates. This business loan is an upfront cost loan so you will know in advance the total amount payable including any charges or interest.

    What is the factor that determines the price I am charged?

    Interest rates for business loans rates depend on several factors such as the amount that is of money borrowed, the business assets the money will be used for as well as the field the business is in, how long the business is in operation for, in the event that the company has enough cash flow to cover the loan, and also the general health or financial standing of the company.

    What are the costs?

    There aren’t any hidden costs for our business loans, and you’ll know precisely how much it is that you need to pay and when, from day one. There’s not any compounding interest and the loan comes with no additional fees (as long as you make your payments in time).

    We don’t charge an application fee. You are able to request a credit loan without any upfront costs or obligation to proceed.

    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 decide to take the loan. The Origination Fee for us is 2.5% of the amount of loan.

    Can I pay out the loan in advance?

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

    If you choose to take this route, please contact our helpful company loans professionals. They’ll provide you with repayment details along with an early payout estimate. This is calculated as the sum of the remaining principal amount and any accrued interest at the time of the early payout, plus 1.5 percent of the remaining principal plus any outstanding fees.

    What are the repayment methods?

    To help you avoid missing payments and to work with your cash flow cycle we provide repayments either daily or weekly. These are automatically withdrawn from your company account.

    Security & privacy

    Will my information be protected?

    Security of your data, and making it clear how we collect data, process, exchange and protect your information, is of paramount importance and is an essential element of our relationship with you.

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

    Yes. We utilise industry-recognised encryption protocols to safeguard your sensitive, personal as well as financial data. Our funders are ISO 27001 qualified for our commitment to customer security and security. We use an advanced bank verification system link to instantly verify the bank account details online so we can offer a fast response.

    About business loans

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

    Asset-based borrowing is when the company owner uses the assets they have to obtain a loan. The asset can be an individual property, such as the family home or it could be a company asset such as a vehicle as well as a piece of machine.

    The majority of the lenders not just the major banks, prefer to guarantee loans against assets. If you’re struggling to pay back the loan then the asset could be taken over by the lender. In essence it is an opportunity to secure new financing by using the value of what you already own.

    Are I need security for an business loan?

    Up to $150K in loans the requirement for asset security is not required before you are able to access the money However, we do require a personal guarantee. If you adhere to the loan terms (as specified in your loan contract), asset security will never be required. For loans of over $150,000 generally, you are able to get personal guarantee and security that is in the form a charge over assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites or auction houses
    • Debt collection agencies & debt purchasers
    • Direct marketing such as mail order, fundraising, telemarketing, direct-mail etc.
    • Financial institutions & lenders
    • {Firearm related businesses
    • Foreign currency exchange solutions
    • Customs clearing houses & freight forwarding
    • Business involved with gambling
    • Non-profit organisationsincluding charities and churches etc.
    • Smash repairers & panel beaters
    • Pawn shops & pawnbrokers
    • Property development
    • Investment business, shares or stockbrokers
    • Tattoo studios
    • Taxi and ride-sharing services
    • Entertainment sales & ticket resellers
    • Vehicle towing services
    • Used vehicle dealerships
    • Automotive glass tinting
    • Automotive wrecking yards

    Although we can’t help with an unsecured business loan for 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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    0800 102 591

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