Unsecured Business Loans Titirangi NZ

By This Tomorrow You Could Have Everything You Need to Be Successful With a Titirangi Business Loan

Unsecured Business Loans Titirangi

A Titirangi unsecured business loan is quick and simple to obtain. Get a quick apporval and use the money for your company.

  • Do you think that additional funds could help your company in working capital, or to take advantage of an opportunity to grow?
  • How are you financing your business requirements?

What to expect:

  • Easy to apply to be approved and receive the funds will be available as early 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 rates of interest prices
  • Minimal docs needed

The eligibility requirements for an unsecured business loan for a business loan Titirangi are fairly minimal.

I'm now able hire an experienced marketer to help me help me take my company to the next level.
Growing Titirangi Business
Business loans with interest rates and repayment conditions, and flexible repayment options that can be tailored to the needs of your company requirements.
Business Lending Options
I'm now able to prepare beverages for clients with the best equipment.
Cafe Owner
I'm able get my tax back in order.
Small Business Owner
A simple loan application process with a large limit on borrowing, no credit criteria and there is no requirement to create a business plan. You no longer need to use your personal credit card and company credit cards in order to fund your business.
Unsecured Loans Made Simple
I'm now able take time off knowing that it is safe knowing that Titirangi business will run well.
Local Business Owner
I'm now able to finance the construction of our new Titirangi resturant without having to borrow cash from other ones.
Titirangi Resturant Owner
Business loans, particularly one that is an unsecured business loan or line of credit to business financing require not be a stressfull process. Finance for a company in the shape of small business loans with an interest rate and repayment term which is compatible with the needs of your business cash flow.
Business Lenders for Business Goals
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for business loans in Titirangi company loans for company in Titirangi with us is simple and only takes less than a minute, with no mountains of paperwork or queues.

Approved and receive funds within 1 to 2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Titirangi companies of all kinds, including medium, small and even soloprenuers to get access to funds quickly so that they can use the loan to expand and grow.

  • It begins with an easy online application or by phone
  • Flexible repayment terms to meet the needs of your company
  • Fast funding within a day or two
  • A team of people who want both you and your business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The criteria for eligibility for an unsecured business loan in Titirangi of between $5K to $100K are quite minimal.

  • 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 License to serve as identification proof
  • Have a New Zealand bank as your primary account for trading
  • Bank statements from the past 6 months

Need more funds? Take a look at the eligibility requirements for our $100K-$500K business loans.

Here's How Other People Have Benefited

Examples of Business Loans

With the busy Christmas time nearing, a clothing store required working capital in order to purchase more inventory and to take advantage of a supplier discount. They secured $20K over the course of 12 months without collateral for their assets, and they had the funds in less than 24 hours.
Clothing Store
A plumber who's worked in the business for three years and has 80K in monthly sales was looking for more funding. They took out a loan of $153K for the course of 36 months. All that was required were 12 months' worth of statement and confirmation from the IRD. The process was completed within a day and the plumber got their extra working capital available in their account soon afterward.
A company coach wanted to invest in the health and cosmetics company. With a little over $12K in monthly revenue 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 restaurant wanted to open another restaurant and needed money to fund the renovation. The bank was not interested in helping. Typical monthly revenue for them was $50K and they were able to borrow $66K over 24 months. The turnaround time was just 8 hours.
Restaurant Owner
An interior designer had spotted an opportunity to increase the size of their business and required working capital to finance the growth. With a monthly revenue of $300K they took out a loan of $250K for 24 months. Turnaround time for them was just two days, and all they needed to present is 12 months' worth of Bank statements IRD confirmation, IRD confirmation and trust deed.
Interior Designer
Simple eligibility checklist

Larger Titirangi Business Loan Eligibility Criteria

The criteria to be eligible of loans from larger Titirangi company loans of between $100K and $500K consist of:

  • A minimum of 3 years of business
  • A minimum of $700K annually in income
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for proof 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, such as Profit & Loss and Aged Accounts Payable and Receivable

Are you looking for a lower amount of funds? Find out the eligibility requirements for our $5K-$100K Titirangi unsecured business loans.

Business Lending for a Cash Injection

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

A Titirangi unsecured loan is great for virtually any company need. Call us now.

  • Add or remodel commercial properties
  • Hire more staff for busy periods
  • Grow stock levels to meet demand
  • Create a new site or improve your marketing
  • Put money into new equipment, tools or technology
  • Buy extra stock to meet the seasonal demand
  • Control cash flow fluctuations
  • Plus lots more …

Do you want to begin one of these idea as quickly as tomorrow? Then get in touch with us today or send an 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 (company name, your name, email or phone number) 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 your identity, but not for starting:

  • Information on Idenfication (valid Driver’s Licence)
  • Business details including trading time as well as ownership information and details of ownership and trading time, as well as NZBN (New Zealand Business Number)

Additionally after we get started, for loans that exceed $150,000, you’ll also require fundamental 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 saw an opportunity to expand their company and required working capital to finance this growth. With a monthly income of $300K, they took out a loan of $250K for 24 months. Turnaround time for them was only 2 days, and all they had for them to present the required documents were twelve months' bank statements, IRD confirmation, and their trust deed.
    Interior Designer
    The busy Christmas season was approaching, a clothing store needed additional working capital to fund extra 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
    The owner of a small grocery store that earned $70K per month borrowed $76K over a 24-month term , without making any repayments for the first 4 weeks. The loan required 12 months of bank statements. The turn around time was 6 hours from submitting the application to receiving the money.
    Grocery Store Small Business Loan
    A plumber who has been in business for 3 years, with monthly sales of $80K was looking for more funding. They were able to borrow $153K over a 36 month term. All they needed to be provided was 12 month bank statement and confirmation from the IRD. The process was complete within one day, and the plumber received their additional working capital in ther account within a short time.
    After purchasing a pizza place and two liquor stores 6-12 months earlier, the new owners were seeking additional cash. The overall revenue was $500K per month and they were able to obtain $300K and split it into $100K per store with an option of both 24 and 36 month terms. No security over the owner's houses was required.
    Owner of a Pizza Store & 2 Liquor Stores

    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 that are entering the market offers an excellent source for you to take advantage of.

    Titirangi SME’s are now capable of accessing finance through other lenders in Titirangi who are focused on enabling business growth or smoothing out problems with cash flow. In the past, private credit options (drawing equity from the house loan, or by using credit cards in addition to personal loans and loans) provided the most viable alternative funding services within Titirangi that were around.

    There’s not a requirement for you to depend on real estate to secure company lending. With an unsecured loan, business funding is made simple. Instead of a loan for a term with the bank, business finance for an SME with interest rates and loan terms that can help with cash flow are around as business loans.



    High level summary

    Separate personal and business debt

    There are many benefits by separating personal and business debt.

    • Your home, or other investmentsaren’t tied to allow access to funds
    • It is the company will be in more favourable position to build its own, solid credit history
    • It is significantly more seamless during tax time
    • Businesses can easily view, monitor and plan based on their ability to clearly evaluate their cash flow situation

    Lower your risks, make your tax time simpler, start with an unsecured busines loan. Get it today.

    For those who like the detail

    Separate personal and business debt


    One major benefit of keeping your business and personal business assets apart will be the fact that your house isn’t required to be tied for access to the money. If you’re looking for a small business loan within Titirangi up to $100K an asset security agreement will not be required so long as the borrower meets the loan requirements.

    Credit history

    Businesses will be in a favourable long-term financial position if they can show good credit and debt serviceability.


    Separating personal and company finances makes it more straightforward with regards to tax time - particularly when determining what is the tax deductible allocation. The IRD has set out the rules on the evidence required in order to deduct deductions from a business’s tax return. This is an area the IRD has advised specifically on.

    Cash flow

    Effective management of cash flows is vital to the long-term viability in any business. By keeping the personal financial and company finances separate, businesses can easily view how they are performing, monitor and plan on the ability to clearly determine their cash flow status.

    Business loans, especially an unsecured business loan or line of credit for business funding require have no stressful process. Business finance can be in the form in the form of small business loans that have an interest rate cost, and with a repayment term that will suit the requirements of your company budget.
    Business Lenders for Business Goals
    I'm now able to finance the remodel of our brand newly constructed Titirangi resturant without having draw cash from other ones.
    Titirangi Resturant Owner
    I'm now able take a holiday knowing the Titirangi company will run well.
    Local Business Owner
    I'm able to get my taxes back on track.
    Small Business Owner
    I'm now able to hire an experienced marketer to help me take my company to the next stage of business growth.
    Growing Business
    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. Don't use your personal credit card or business credit cards in order to finance your business.
    Unsecured Loans Made Simple
    Business credit rates and repayment terms as well as flexible repayment options that can be tailored to your company requirements.
    Business Lending Options
    I can now make espresso for customers using the best equipment.
    Cafe Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Titirangi Small Business Loans

    Let me know more about Titirangi Small Business Loans

    Titirangi unsecured loans offers amounts of between $5,000 and $100,000 with terms between 3 and 24 months and cash flow-friendly repayments, which are either daily or weekly.

    What makes the Unsecured Loan different from an ordinary company loan?

    You can apply for this Small Business Loan in under 10 minutes on the phone. You’ll receive a same day response and funds may be in your account in 24 hours. Traditional company loans refer to an annual interest rate along with other charges and fees. The company loan is an upfront priced loan so you will know in advance the amount you will have to pay, including any fees, charges or charges. This is then divided into weekly or daily amount to be paid back.

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

    It is a Small Business Loan can be used for virtually every business use, including managing cash flows, company remodeling, marketing to purchase inventory or new equipment, for general working capital and much more. The loan is not available for personal reasons.

    About larger Titirangi Business Loans

    What is the Larger Titirangi Business Loan?

    The Larger Business Loan is a larger size loan to aid in company expansion opportunities. Loans range between $100,000 and $500,000 for a fixed period of with a maximum of 36 months. The repayments are made weekly or fortnightly to work with your situation.

    How’s the Origination Fee determined?

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

    Am I eligible for the Larger Business Loan?

    To be eligible for a credit of this size, your business needs to have been trading for at least 3 years and have an annual turnover of at least $700,000. It is necessary to be a New Zealand Citizen (or Permanent Resident) over 18 years or have a New Zealand business (with a valid NZBN/IRD) and be able to prove at minimum 12 months of business.

    How can the funding be utilised?

    A larger company loan can be used for nearly every company purpose including business remodeling, buying inventory or new equipment as well as for general working capital, and much more. The loan cannot be used for personal use.

    Is the Larger Business Loan one that requires security?

    Asset security is required to obtain funding above $150,000. This can be done in the form of a charge on assets, which could also include the registration of this with the PPSR or filing as a caveat.

    A director’s or personal guarantee is a guarantee to repay credit that is general in nature, rather than stating the security of a specific asset. The person signing the guarantee is personally accountable if the business lender is not able to pay back the debt.

    The Personal Property Securities Register (PPSR) is an online, central register run by the New Zealand Government. It lists security interests that are registered in respect of personal property (including objects or assets). The PPSR permits the priority of personal property assigned according to the date a security interest has been registered.

    Caveats are legal document filed to offer the legal claim to a property.

    What exactly is a preapproval without Credit Check?

    If you’re applying for the Larger Business Loan of $250,000 or more it is possible to offer an initial pre-approval in order to ease the process. It is possible to get this done without credit checks and within 6 hours of your initial application. The pre-approval process is based on a preliminary assessment which includes answering a couple of financial health questions. It is not an offer of credit or guarantee of funds. The approval of a conditional loan is subject to an assessment of your creditworthiness and any offer you receive could be based on different conditions.

    Application process

    Do I have the right to receive funds?

    You may be eligible 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)
    • must show at least six months of trading (for you to qualify for unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K or $500K)

    How do I apply?

    The application process is quick and simple. Complete the online form in just a few minutes, and a dedicated business expert in lending will call you to assist you.

    To apply for up to $100,000, you’ll need proof of identity (valid Driver’s Licence) and an NZBN/IRD that is valid and at least six months worth of bank statements.

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

    $100K – $250K: Details of application, including credit approval, 6-12 months of IRD statements, bank statements (if the loan is greater than $150K).
    $250K-$500K: Application details including credit consent, 12 months bank statement, an IRD statement as well as the two most recent years’ financial statements, plus interim current financial year financials such as age-related payables and aged Receivables summary.

    How soon will I hear a decision?

    For an unsecured loan ($5K to $100K) we usually provide a response in one hour – as long as you submit your request in quality business timings and permit us to utilise the bank verification system to immediately verify your bank account information online. If you decide to submit copies of your bank statement, we’ll offer an answer within the span of one company day.

    For the Larger Business Loan ($100K up to $500,000) we may be in a position to offer the conditional pre-approval in about six hours. Once you’ve signed the pre-approval document, you will require to wait between 2 and 3 days for the final approval, however it could be faster based on the specifics of each application. Some transactions have received approval within 24 hours.

    The quickest way to apply is to ensure you apply during standard company hours. Also, let us use the modern bank verification to check your bank’s information online. If you send us the copies of bank statements it will take a little longer.

    How fast will I get the cash?

    For the Small Business Loan ($5K and up) we typically offer a response in one hour – as long as you submit your request at standard business times and you allow us to make use of the advanced bank verification system link to immediately verify your bank account information online. If you opt to send us copies of your bank statements, we are able to provide a decision within 1 business day.

    For Larger Business Loans ($100K up to $500,000) we might be able to provide you with pre-approval conditional to your application in about six hours. Once you have signed the pre-approval form, it will take between 2 and 3 days for the final approval, however this may be quicker depending on the particular circumstances of each application. Some offers have been approved within less than 24 hours.

    The most efficient method for you to apply is make sure you apply during standard business hours, and let us use the modern bank verification link to instantly verify your bank account information online. If you opt to send us documents from your account statement, it may take a bit longer.

    What’s the minimum amount I can borrow?

    We offer loan amounts between $5,000 to $500,000. If you apply for a certain amount we consider a variety of factors that determine your health that is your company and the amount of payments your business will be able to support. The total amount of the loan will be determined by the specifics that are unique to your business.

    When you submit an application for a set amount, we take into consideration a variety of factors to assess how much we can lend you such as health of your company and the extent of repayments that your business can afford. The total amount of the loan will be determined by the specifics the business.

    Fees & repayments

    How much should you charge for the cost of a business loan?

    When you request our business credit, we will assess the risk profile that you have for your company and offer you with a tailored offer that includes the amount of loan, the term and the interest rates. The company loan is an upfront-priced loan so you will be aware of the total amount you will have to pay, including interest rates, fees or charges.

    What determines the rate that I am charged?

    Business loan interest rates depend on several factors including the amount of money borrowed, the business assets the funds are used to purchase and the sector the company is in, how long the business has been in operation, whether the business has sufficient cash flow to cover the loan, and the overall health as well as creditworthiness company.

    What are the cost?

    There are no hidden fees for our company loans, and you’ll know precisely how much it is that you be required to pay, and when, starting from day one. There’s no compounding and no additional fees (as as long as you pay your payments on time).

    We don’t charge an Application Fee. You are able to get a cash loan no cost upfront or the obligation to take action.

    The Origination Fee covers the expenses involved in establishing and managing the loan. You are only charged this cost if you take out the loan. The Origination Fee for us is 2.5 percentage of the amount of the loan.

    Can I pay off the loan earlier?

    You may choose to pay back all of your loan in full at any time.

    If you are deciding to take this route, please speak to our friendly business loan specialists. They will provide you with details on repayment along with an early payout estimate. This will be calculated as the sum of the principal amount remaining and the accrued interest up to the time of early payout and 1.5 percent of the remaining principal and any outstanding fees.

    What is the process for repayments?

    To ensure you do not miss payment dates and to align with your cash flow standard, we provide repayments either daily or weekly. They will be automatically deducted from the nominated company account.

    Security & privacy

    Will my information be protected?

    Protecting your information, and knowing the ways we gather data, process, exchange and secure your information, is crucial and is a crucial part of our relationship with you.

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

    Yes. We use industry recognised encryption techniques to protect your sensitive, personal and financial data and our funders are ISO 27001 qualified for our dedication to security for our clients and privacy. We employ an exceptionally sophisticated bank verification system that allows you to instantly verify your bank account details online to provide quick responses.

    About business loans

    What’s an asset-based borrow (a secured loan)?

    Asset-based borrowing is when a company owner utilises an asset they own to secure the loan. The asset can be an asset belonging to the personal, like the family home or a business property like a truck or other piece of machinery.

    The majority of the lenders including the major banks, prefer to make loans secured by an asset. If you have trouble paying back the loan, your asset may be taken over by the lender. In essence it is a way of securing new financing taking advantage of the value of what you already own.

    Are I need security to secure an company loan?

    For loans of up to $150K, no asset security is required upfront to access the money however, we require a personal guarantee. need an individual guarantee. So long as you comply with your loan commitments (as specified in your loan contract) the security of assets is not needed. If you take out loans in excess of $150,000 generally, there is an individual guarantee and security that is in the form an asset charge.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites or auction houses
    • Debt collection companies & debt purchasers
    • Direct marketing such as fundraising, telemarketing, mail order, direct-mail etc.
    • Financial institutions or lenders
    • {Firearm businesses
    • Foreign currency exchange solutions
    • Freight forwarding and customs clearing houses
    • Business involved with gambling
    • Not-for-profit organisations, charities, churches etc.
    • Panel beaters & smash repairers
    • Pawn shops and pawnbrokers
    • Property developers
    • Investment business, shares or stockbrokers
    • Tattoo palours
    • Taxi or ridesharing services
    • Entertainment sales & ticket resellers
    • Vehicle towing services
    • Used car dealers
    • Vehicle glass tintingservices
    • Car wrecking yards

    Although we cannot assist 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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