Unsecured Business Loans Sunnyhills NZ

Today, You'll Be On The Right Track To Success With a Sunnyhills Business Loan

Unsecured Business Loans Sunnyhills

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

  • Are additional funds able to help your business with working capital or in achieving an opportunity to grow?
  • What are the very best ways to finance your company requirements?

What you can expect:

  • Simple process to apply to be approved and receive the funds will be around as early as tomorrow
  • No reayments are permitted in the first 4 weeks
  • The range of borrowing is from $5k to $500K.
  • Terms from 3-36 months
  • Competitive interest rates
  • Minimal docs required

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

I'm able get my tax back on track.
Small Business Owner
I'm now able hire an experienced marketer to help me take my company to the next stage.
Growing Sunnyhills Business
I can now make coffee for my customers with the best equipment.
Cafe Owner
An easy loan application process with a generous limit on borrowing, no requirements for credit and there is no need to present a business plan. Stop using your personal credit card and business credit cards as a way to fund your company.
Unsecured Loans Made Simple
I can now fund the construction of our newly constructed Sunnyhills resturant without having draw cash from other ones.
Sunnyhills Resturant Owner
I am now able to take vacation knowing that I am confident that my Sunnyhills business will run well.
Local Business Owner
Business loans, especially an unsecured unsecured business loan or line of credit for business funding require to not become a stressfull process. Business finance in the form in the form of small business loans with an interest rate and repayment period that is suitable for the requirements of your business cash flow.
Business Lenders for Business Goals
Business loan interest rates and repayment conditions, and flexible repayment options to meet you business requirements.
Business Lending Options
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for a business loan in Sunnyhills with us is easy and takes just about a couple of minutes, there are no piles of paperwork or long waits.

Be approved and receive your cash within 1 to 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We aim to help Sunnyhills businesses of all sorts small, medium even entrepreneurs to obtain quick funding so that they can take advantage of loans to build and expand their business.

  • It begins with an easy online application, or phone call
  • Flexible repayment terms to suit your business
  • Fast and prompt funding within a single day or two days
  • We want both you and your business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for obtaining an unsecured business loan in Sunnyhills of between $5K and $100K are fairly minimal.

  • 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 for proof of identity
  • You should have an account with a New Zealand bank as your principal account for trading
  • Bank statements for the last 6 months

Do you need more money? Review the eligibility requirements for our $100K-$500K company loans.

Here's How Others Have Benefited

Examples of Business Loans

A gym that was going for nearly 3 years decided to increase its size 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 compelted within just 24 hours.
With the busy Christmas time coming up, a store selling clothing required working capital in order to fund extra stock and take advantage of a supplier discount. They borrowed $20K over 12 months without security for assets and received the funds in less than 24 hours.
Clothing Store
A plumber who has operated their business for three years with $80K in monthly sales was looking for additional funding. They were able to borrow $153K over the course of 36 months. All that was needed were 12 months' worth of statements as well as confirmation of their status with IRD. The process was completed within an hour and the plumber got their extra working capital in ther account within a short time.
A business coach was looking to invest in an health and cosmetics business. With a little over 12K in revenue per month they borrowed $24K in 24 months. This only required 12 months of bank statements and was completed in less than 8 hours.
Business Coach
The owner of a modest supermarket that was making $70K a month borrowed $76K over a 24-month term , without making any repayments during the initial 4 weeks. The loan required 12 months of bank statements. Turnaround time was just 6 hours from the moment you applied to receiving the funds.
Grocery Store Small Business Loan
Simple eligibility checklist

Larger Sunnyhills Business Loan Eligibility Criteria

The eligibility requirements for larger Sunnyhills company loans of between $100K and $500K consist of:

  • 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 for identification proof
  • You should have a New Zealand bank as your principal trading account
  • Bank statements from the past six months
  • Some financial statements like Profit & Loss and the Aged Accounts Payable and Receivable

Looking for a smaller amount of funds? Find out the conditions for eligibility for our $5K to $100K Sunnyhills unsecured business loans.

Business Lending for a Cash Injection

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

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

  • Renovate or expand commercial spaces
  • Staff expansion for busy times
  • Grow stock levels to keep up with demand
  • Build a new website or improve your marketing
  • Invest in new tools, equipment or technology
  • Purchase extra stock to cover the seasonal demand
  • Manage cash flow fluctuations
  • And many more …

Want to get started on one of these as soon as tomorrow? So, contact us or apply online now to get the fastest and most efficient process.

Quick application checklist

What do you need to apply

All that is needed to begin is your contact information (the name of your company and your name, as well as email or phone number) along with the amount you’d like to borrow, and your monthly earnings.

During the process and before settlement we will require confirmation of your identity, but not for starting:

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

In addition, once we have started with loans of more than $150,000 you will also need basic 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

    An interior designer had noticed an opportunity to increase the size of their business and required working capital to fund this expansion. With an annual revenue of $300K they took out a loan of $250K for 24 months. The turnaround time was just two days, and all they needed to provide the required documents were twelve months' bank statement along with IRD confirmation and their trust deed.
    Interior Designer
    The owner of a restaurant wanted to open a second establishment and needed funding to installation. The bank was not interested in helping. Their typical monthly earnings was $50K, and they were able to borrow $66K for 24 months. Turnaround was only 8 hours.
    Restaurant Owner
    Acquiring a pizza place and 2 liquor stores 6-to 12 months ago, the new owners were looking for additional funds. The revenue total was greater than $500K per month and they could have borrowed $300K. This was then split as $100K for each store using a mix of 24 and 36 month terms. No security over the owner's homes was needed.
    Owner of a Pizza Store & 2 Liquor Stores
    A business coach wanted to invest in a well-being and beauty business. With just over twelve thousand dollars in monthly income the company borrowed $24K over 24 months. The loan required the submission of 12 months' bank statements and was completed in just 8 hours.
    Business Coach
    The busy Christmas season was coming up, a store selling clothing required additional working capital to fund extra inventory and to take advantage of discounts offered by suppliers. They borrowed $20K over 12 months without asset security required and had the funds in 24 hours.
    Clothing Store

    The lending landscape has changed

    In the wake of traditional lenders and banks increasing their credit requirements as well as the continuous stream of alternative and non-bank loan providers entering the market provides an excellent source to make use of.

    Sunnyhills SME’s are now in a position to obtain finance via alternative lenders that service Sunnyhills who are focused on enabling business expansion or smoothing out the cash flow problems. The past was when the personal sources of credit (drawing equity from the house loan or credit cards in addition to personal loans and overdrafts) was the sole alternative financing solutions for Sunnyhills that were available.

    There is now no need to rely on the real estate market to secure business credit. With an unsecured loan business financing is easy. Instead of a loan for a term with a bank, business finance for an SME with interest rates and loan terms that aid with cash flow is around as business lending options.



    High level summary

    Separate personal and business debt

    There are substantial benefits associated with separating personal and company debt.

    • Your home, or other investment properties, aren’t held to allow access to funds
    • The business stands in much better position to create its own, clear credit history
    • It is considerably more straightforward during tax time
    • Businesses are able to easily review how they are performing, monitor and plan on their ability to clearly assess their cash flow position

    Reduce your risk, and make tax times simpler, start with an unsecured busines loan. Apply today.

    For those who like the detail

    Separate personal and business debt


    One major benefit of keeping your private and company assets apart is that your house isn’t necessarily tied up to the funds. In the case of a business loan in Sunnyhills up to $100K an asset security agreement will not be needed as long as the borrower is able to meet their loan obligations.

    Credit history

    Businesses will be in a stable long-term position when they are able to demonstrate credit/debt capability.


    The separation of personal as well as company finances makes it more seamless in the event of tax time - especially when it comes to determining the tax-deductible amount. Particularly when determining what is the tax deductible allocation. IRD has set out requirements for evidence to be able to claim deductions on a company’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 in any company. Through keeping personal and company finances separate, businesses can easily view, monitor and plan based on their ability to accurately determine their cash flow status.

    I can get my tax back to keep me on track.
    Small Business Owner
    Business loan interest rates and repayment terms as well as flexible repayment options to meet your business needs.
    Business Lending Options
    Business loans, specifically an unsecured unsecured business loan or line of credit to business financing need not be a tense procedure. Business finance in the form of small business loans with an interest rate and repayment time which is compatible with your company cash flow.
    Business Lenders for Business Goals
    I'm now able make coffee for my clients using the very best equipment.
    Cafe Owner
    I'm now able to finance the remodel of our brand new Sunnyhills resturant without having to borrow cash from other resturants.
    Sunnyhills Resturant Owner
    I'm now able to hire a marketing professional to increase the success of my business to the next level of business growth.
    Growing Business
    Simple loan application procedure with a generous amount of borrowing capacity, a low requirements for credit, and no requirement to provide a business plan. Don't use your personal credit card or business credit card to fund your business.
    Unsecured Loans Made Simple
    I can now take vacation knowing that it is safe knowing that Sunnyhills business will run without a hitch.
    Local Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Information About The Sunnyhills Small Business Loans

    Tell me more about Sunnyhills Small Business Loans

    Sunnyhills unsecured loans offers amounts between $5,000 and $100,000 with terms between 3 and 24 months, cash flow-friendly repayments that are either per day or weekly.

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

    Apply for this Small Business Loan in under 10 minutes via the internet or over the phone. You’ll get an answer within the same day and the money could be in your account within 24 hours. Traditional company loans reference an annual rate of interest along with other charges and fees. This company loan is an upfront priced loan and you’ll know ahead of time the amount you will have to pay, including any fees, charges or charges. This is then divided into a daily or weekly repayment figure.

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

    A Small Business Loan can be used for almost every company purpose including managing cash flows, business improvements, advertising, to purchase inventory or new equipment, or as general working capital and so much more. The loan cannot be used for personal purposes.

    About the Larger Sunnyhills Business Loans

    What is the Larger Sunnyhills Business Loan?

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

    How is the Origination Fee determined?

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

    Can I get the Larger Business Loan?

    To qualify for a loan that is this large the business needs to have been trading for at least 3 years with an annual turnover of at least $700K. It is necessary to be a New Zealand Citizen (or Permanent Resident) over 18 years as well as own a New Zealand business (with a valid NZBN/IRD) and be able to prove at the least 12 months of operating.

    How can the funding be used for?

    A large company loan can be used for almost any company reason, such as business renovations, purchase of equipment or inventory, as general working capital, and much more. The loan cannot be used for personal reasons.

    Is the Larger Business Loan a secured loan?

    Asset security is necessary for funding of more than $150,000. It’s in the form of a charge on assets and can include the registration of this through the PPSR or filing a caveat.

    A personal or director’s guarantee is a commitment to repay a loan which is generally in nature rather than specifying 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 registry run by the New Zealand Government. It records security interests that have been which are registered with respect to personal property (including the assets or goods). The PPSR permits prioritisation over property that is personal to be granted depending on the date that a security interest has been registered.

    Caveats are legal document lodged to provide notice of a legal claim to property.

    What is a pre-approval minus Credit Check?

    When you’re applying for a Larger Business Loan of more than $250,000 we may be able to provide an initial pre-approval in order to smooth out 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 is based upon an initial assessment, which involves you answering a few financial health questions. This is in no way an offer, nor is it a guarantee of financing. The approval of a conditional loan is subject to an extensive credit evaluation and any offer that you may receive may be based on different terms.

    The application process

    Do I have the right to receive funds?

    You are eligible to apply for an company loan if you:

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

    How do I apply?

    The application process is quick and easy. Simply complete the online form within a few minutes and an experienced company lending specialist will be in touch to assist you.

    To be eligible for up to $100,000, you’ll need identification details (valid Driver’s Licence), a valid NZBN/IRD as well as at least 6 months of bank statements.

    Otherwise, for larger loan sizes, you’ll also require:

    $100K-$250K: Information about the application including credit consent, 6 – 12 months of bank statements, IRD statement (if loan above $150K).
    $250K-$500K: Application details including credit consent twelve months of bank records, IRD statement and the last two years’ finalised financial statements, as well as interim financials from the current financial year including Aged Payables, Aged Receivables summary.

    How soon will I hear an answer?

    For an unsecured loan ($5K to $100K) we can often offer an answer in just one hour, provided you apply within standard company timings and allow us to utilise the bank verification system link to instantly verify your bank details online. If you want to upload copies of your banking statements , we will be able to provide an answer within 1 company day.

    For the Larger Business Loan ($100K up to $500,000) we could be in a position to provide you with conditional pre-approval within 6 hours. Once you’ve signed the pre-approval, the turnaround time is about 2-3 days for final approval. However, it could be faster based on the circumstances of each application. Certain transactions have received approval in the space of 24 hours.

    The quickest way to apply can be ensure you apply during normal business hours and let us use the advanced bank verification system link to confirm your bank details online. If you opt to send us documents from your account statement, it will take a little longer.

    What is the time frame to receive the money?

    For the Small Business Loan ($5K and up) we typically offer an answer in just one hour – as long as you apply during normal business hours and allow us to use the advanced bank verification system to instantly verify your bank details online. If you opt to upload copies of your bank statements we can provide a decision in just the span of one business day.

    If you are applying for Larger Business Loans ($100K or more) We may be capable of provide you with a conditional pre-approval within six hours. After you’ve signed the pre-approval document, you will need to wait around 2-3 days for final approval, however this may be quicker depending on the specifics of each application. Certain agreements have been approved within just 24 hours.

    The most efficient method for you to apply is make sure you apply during standard business hours. You can also permit us to use the modern bank verification link to instantly check your bank’s information online. If you choose to upload the copies of bank statements it will take a little longer.

    What’s the minimum amount I can borrow?

    We offer the loan amount between $5,000 and $500,000. When you submit an application for a certain amount we look at a variety of variables that determine the health for your company as well as the amount of repayments that your company will be able to support. The amount you receive from your loan will be contingent on the specifics that are unique to your business.

    When you submit an application for a certain amount, we take into consideration a variety of elements to assess how much we can lend you such as health that is your company as well as the amount of repayments that your business can afford. The amount you receive from your loan will be determined by the particulars for your business.

    Fees & repayments

    How much should you charge for an business loan?

    If you decide to request one of our company financing, we will assess the risk profile of your company and offer an individualised offer that includes the loan amount, the terms and the interest rates. This business loan is an upfront cost loan which means you be aware in advance of the total amount payable including any interest rates, fees or charges.

    What is the basis for the rate I pay?

    The interest rates on business loans rates depend on several factors such as the amount that is borrowed, the business assets the money will be used for as well as the field the business is operating in, how long the business is in operation, in the event that the business has sufficient cash flow to support the loan, and the overall well-being as well as creditworthiness business.

    What are the charges?

    There are no hidden fees for our business loans, and you’ll know precisely how much it is that you need to pay, and when, starting from the first day. There’s not any compounding interest and no extra fees (as long as you make your payments punctually).

    We do not charge an application fee. You can make an application for loans with no cost upfront or the obligation to take action.

    The Origination Fee covers the expenses involved with setting up and managing the loan. This is only a fee if you decide to take the loan. Our Origination Fee is 2.5 percentage of the amount of loan.

    Do I have the option of paying off the loan in advance?

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

    If you choose to take this route, please contact our helpful business credit professionals. They will offer you with details on repayment as well as an early payout amount. The figure will be calculated as the total of the principal balance and any accrued interest at the date of early payout and 1.5% of the principal amount remaining and any fees that remain unpaid.

    How do repayments work?

    To make sure that you don’t miss repayments and to fit in with your cash flow routine, we offer repayments either weekly or daily. They will be automatically deducted from your company account.

    Security & privacy

    Will my information be secure?

    Making sure that your information is secure, and making it clear how we collect data, process, exchange and ensure the security of your information is of paramount importance and a vital part of our relationship with you.

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

    Yes. We employ industry-recognised encryption standards to secure your sensitive, personal financial information and our funders are ISO 27001 qualified for our commitment to security for our customers and security. We make use of an advanced bank verification system that allows you to instantly verify the bank account details online. This allows us to offer a fast response.

    About business loans

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

    Asset-based borrowing is when a business owner utilises assets they own to make a loan. The asset can be an individual asset, such as the family home or it could be a company asset like a truck or other piece of machinery.

    The vast majority of lending institutions, not just the major banks, prefer to make loans secured by assets. If you’re struggling to pay back the loan, your asset may be offered for sale by the lender. In essence, it’s an opportunity to secure additional financing using the value of what you already have.

    Are I need security for a company loan?

    For loans that exceed $150,000, there is no requirement for asset security in advance to gain access to the funds, however we do need an individual guarantee. As long as you follow the terms of your loan (as detailed in the loan contract) the security of assets will never be required. For loans of over $150,000 typically, you will need the option of a personal ensure and security that is in the form an asset charge.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction houses or auction websites
    • Debt collection agencies & debt purchasers
    • Direct marketing including fundraising, telemarketing, mail order, direct-mail etc
    • Finance lenders and institutions
    • {Firearm related businesses
    • Foreign currency exchange offerings
    • Customs clearing houses and freight forwarding
    • Business involved with gambling
    • Non-profit organisationsincluding charities, churches etc.
    • Smash repairers & panel beaters
    • Pawn shops & pawnbrokers
    • Property developers
    • Shares, stockbrokers and investment businesses
    • Tattoo palours
    • Taxi or ridesharing services
    • Entertainment sales & ticket resellers
    • Towing services
    • Used car dealerships
    • Vehicle glass tintingfirms
    • Car dismantlers

    Although we cannot assist with an unsecure business loan for these types of industries, we may be able to assist 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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