Unsecured Business Loans Waiwhetu NZ

Today, You'll Be All Set For Success By ObtainingThe Help Of a Waiwhetu Business Loan

Unsecured Business Loans Waiwhetu

A Waiwhetu unsecured business loan is easy and quick in applying for. Request a quick approval and start using the funds in your company.

  • Do you think that additional funds could help your business with working capital or to take advantage of the potential for growth?
  • What are the best ways to finance your business needs?

You can expect:

  • Easy to apply to be approved and receive the funds will be available as early as tomorrow
  • Optionally no reayments in the initial four weeks
  • Borrow from $5k to $500K
  • Terms ranging from 3 to 36 months
  • Competitive rates of interest prices
  • Minimal docs needed

The conditions for eligibility for an unsecured business loan for a company loan Waiwhetu are fairly minimal.

Business loans, especially one that is an unsecured business loan or line of credit to business financing require never be an difficult procedure. Finance for a business in the shape of small business loans that have an interest rate cost, and with a repayment period that fits your company financial needs.
Business Lenders for Business Goals
I'm now able fund the fitout of our newly constructed Waiwhetu resturant without having to take cash from other resturants.
Waiwhetu Resturant Owner
A seamless loan application process with a generous amount of borrowing capacity, a low requirements for credit, and no need to provide a business plan. You no longer need to use your personal credit card or business credit cards to finance your company.
Unsecured Loans Made Simple
Business loan interest rates and repayment terms as well as flexible repayment options to suit what your business requirements.
Business Lending Options
I can now hire an professional marketer to boost my business to the next step.
Growing Waiwhetu Business
I'm now able make espresso for customers with the best equipment.
Cafe Owner
I am now able to take an extended vacation knowing that the Waiwhetu business will run effortlessly.
Local Business Owner
I can get my tax back on time.
Small Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for a company credit within Waiwhetu with us is simple and only takes a few minutes, no long lines of paperwork or waiting in line.

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 aim to help Waiwhetu businesses of all kinds, including medium, small and even soloprenuers to get access to funds quickly so that they can take advantage of loans to build and expand their business.

  • It all starts with a simple online application or a phone call
  • Flexible repayment terms to suit your business
  • Quick funding in a day or two
  • A team wanting for you as well as your business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • At least 6 months in business
  • At least $6,000 in income per month
  • You must be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Have a New Zealand bank as your principal trading account
  • Bank statements from the past six months

Do you need more money? Find out the eligibility requirements for our $100K to $500K business financing.

Here's How Others Have Benefited

Examples of Business Loans

A plumber who has had business for 3 years with $80K in monthly sales was in require of more funds. They took out $153K on the course of 36 months. All they needed to be provided was 12 month bank statement and confirmation of their status with IRD. The process was completed in less than an hour and the plumber was able to access their working capital in ther account in a matter of hours.
A gym that was in operation for more than 3 years wanted to grow and was in need of additional equipment. With monthly revenue of $37K they borrowed $72K over a 24 month period. No security was required to secure the loan. It was ready in just 24 hours.
A restaurant owner wanted to open another restaurant and needed funding to remodel. The bank they approached wasn't interested in helping. The average monthly income for them was $50K. They borrowed $66K for 24 months. Turnaround was only 8 hours.
Restaurant Owner
The owner of a tiny grocery store making $70K a month borrowed $76K over a 24-month period, with no payments during the initial 4 weeks. The loan required 12 months of bank statements. The turnaround time was only 6 hours from submitting the application to receiving the funds.
Grocery Store Small Business Loan
With the busy holiday season approaching, a clothing store needed additional working capital to fund extra inventory and benefit from discounts from suppliers. They took out a loan of $20K over a period of 12 months without asset security required and had the funds within 24 hours.
Clothing Store
Simple eligibility checklist

Larger Waiwhetu Business Loan Eligibility Criteria

The requirements for eligibility for loans from larger Waiwhetu business loans of between $100K to $500K comprise:

  • Minimum of 3 years in business
  • A minimum of $700K annually in income
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for proof of identity
  • Have a New Zealand bank as your principal account for trading
  • Bank statements for the last 6 months
  • Certain financial statements include Profit & Loss as well as Aged Accounts Payable and Receivable

Are you looking for a lower amount of money? Find out the guidelines for eligibility for our $5K to $100K Waiwhetu unsecured company loans.

Business Lending for a Cash Injection

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

A Waiwhetu unsecured loan is great to use for any business purpose. Get in touch with us today.

  • Add or remodel a commercial premises
  • Hire more staff during busy periods
  • Grow stock levels to meet demand
  • Make a brand new website or enhance your marketing
  • Make sure you invest in new equipment, tools , or technology
  • Make sure you have extra stock on hand to meet seasonal demand
  • Control cash flow fluctuations
  • And many more …

Want to get started on one of these options as early as tomorrow? So, contact us or send your application online to get the fastest and most effective process.

Quick application checklist

What do you need to apply

All you need to get started is your contact information (company name, your name, email or phone number) and the amount you’d like to lend, as well as your monthly income.

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

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

After we start with loans greater than $150,000 you will also need basic financial statements.

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started.


Apply Now

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    Here's How Others Have Benefited

    Examples of Business Loans

    An interior designer had noticed an opportunity to grow their company and required working capital to finance this expansion. With monthly revenue of $300K they took out a loan of $250K for 24 months. The turnaround time was just two days, and all they had to provide was 12 months of bank statements, IRD confirmation, and trust deed.
    Interior Designer
    A business coach wanted to invest in a health and cosmetics company. With just under $12K in monthly revenues the company borrowed $24K over 24 months. This required the submission of 12 months' bank statements and was completed in less than 8 hours.
    Business Coach
    After purchasing a pizza restaurant and 2 liquor stores six to 12 months earlier the new owners needed additional funds. The combined revenue was over $500k per month. They could have borrowed $300K and split it into $100K per store on the option of 24- and 36 months. There was no security on the owners' homes was required.
    Owner of a Pizza Store & 2 Liquor Stores
    A gym that had been in operation for more than 3 years was looking to expand and needed more equipment. With monthly revenue of $37K they borrowed $72K over a 24- month period. The loan was not secured to secure the loan. It was compelted in just 24 hours.
    A restaurant owner was wanting to open a second establishment and required funds to remodel. The bank was not interested in helping. Their typical monthly earnings was $50K, and they were able to borrow $66K over 24 months. The turnaround time was just 8 hours.
    Restaurant Owner

    The lending landscape has changed

    With traditional lenders and banks increasing their credit requirements, the steady stream of alternative and non-bank loan providers that are entering the market offers the perfect source for you to tap into.

    Waiwhetu SME’s are now being able to get finance from alternative lenders that service Waiwhetu who are focused on facilitating business growth or smoothing out cash flow issues. In the past, when private credit options (drawing equity from a house loan, or using credit cards in addition to personal loans and overdrafts) provided the most viable alternative financing solutions in Waiwhetu that were around.

    There is now no need for you to rely on using real estate to secure business lending. With an unsecured loan, business funding is simple. Instead of a term loan through banks, business finance for a small company with interest rates and loan terms that aid with cash flow is available as business credit options.



    High level summary

    Separate personal and business debt

    There are many benefits with the separation of personal and company debt.

    • Your home or other investmentsaren’t tied in order to access funds
    • This company has a much better position to establish its own, solid credit history
    • It’s much more seamless during tax time
    • Businesses are able to easily review, monitor and plan based on their ability to clearly assess their cash flow position

    Reduce your risk, make tax time easier, get started with an unsecured busines loan. Get it today.

    For those who like the detail

    Separate personal and business debt


    One big drawcard for keeping your business and personal business assets apart is that your home isn’t tied for access to the money. For a small business loan in Waiwhetu up to $100K asset security won’t be needed as long as the borrower is able to meet their loan obligations.

    Credit history

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


    A separation between personal and company financial accounts makes it more straightforward with regards to tax time, particularly when identifying what is the tax deductible allocation. The IRD has set out the requirements for evidence in order to deduct deductions from an organisation’s tax return. This is an area where the IRD have specifically advised on.

    Cash flow

    Effective cash flow management is key for the longevity in any company. By keeping the personal financial and business finances separate, businesses can easily view the situation, track and plan based on the ability to effectively assess their cash flow position.

    I am now able to fund the construction of our newly constructed Waiwhetu resturant without having draw cash from other restaurants.
    Waiwhetu Resturant Owner
    I'm now able hire a marketing specialist to increase the success of my business to the next level of business growth.
    Growing Business
    Business credit rates and repayment terms as well as flexible repayment options to meet what your company needs.
    Business Lending Options
    I'm now able take a holiday knowing it is safe knowing that Waiwhetu company will run effortlessly.
    Local Business Owner
    A seamless loan application process with a large limit on borrowing, no requirements for credit, and no need to create a business plan. Don't use your personal credit card and business credit cards as a way to fund your business.
    Unsecured Loans Made Simple
    I can now make the coffee I serve my customers with the best equipment.
    Cafe Owner
    Business loans, especially an unsecured business loan or line of credit to business funding need to not become a stressful procedure. Business finance is in the form of small business loans with an interest rates and repayment period that is suitable for the needs of your company liquidity.
    Business Lenders for Business Goals
    I can get my tax back to keep me on track.
    Small Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Waiwhetu Small Business Loans

    Tell me what you think of the Waiwhetu Small Business Loans

    Waiwhetu unsecured loans provides amounts of between $5,000 and $100,000. Terms range from 3 and 24 months and cash flow-friendly repayments which can be made daily or weekly.

    How is what makes the Unsecured Loan different from an traditional business loan?

    You can apply to this Small Business Loan in under 10 minutes over the phone. You’ll get an instant response and the money could be available in just 24 hours. Traditional business loans have an interest rate per annum as well as other fees and charges. This business loan is a cash-based loan which means you know in advance the total amount due, which includes any fees, charges or charges. Then, it is divided into weekly or daily amount to be paid back.

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

    It is a Small Business Loan can be used for virtually every company reason, such as control of cash flow company renovations, marketing to purchase inventory or new equipment, or as general working capital and so much more. The loan is not available for personal reasons.

    About the Larger Waiwhetu Business Loans

    What is the Larger Waiwhetu 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 over a fixed term up to 36 months. The repayments are made weekly or fortnightly, depending on the flow of cash.

    How is the Origination Fee calculated?

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

    Do I qualify for the Larger Business Loan?

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

    How can the funding be utilised?

    A large company loan can be used for almost any company need, including business renovations, to purchase inventory or new equipment or as general working capital and so much more. The loan is not available for personal purposes.

    Is the Larger Business Loan one that requires security?

    Asset security is needed for accessing funds over $150,000. This can be done in the form of a charge against assets, and could be registered on the PPSR or making a caveat.

    A personal or director’s ensure is a commitment to repay credit that is general in nature, rather than stipulating security over a particular asset. The person who signs the guarantee is personally accountable if the company creditor is unable to re-pay the debt.

    The Personal Property Securities Register (PPSR) is an online central registry run by the New Zealand Government. It reflects security interests granted to individuals who own personal property (including objects or assets). The PPSR grants preference over private property granted according to the date the security interest was registered.

    A caveat is a legal document that is filed to provide the public notice of a legal claim to property.

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

    If you’re requesting larger business loans of $250,000 or more it is possible to offer an initial pre-approval that will help ease the process. It is possible to apply for this without credit checks and within six hours of your initial application. This pre-approval is based on an initial assessment, which involves the answer to a series of financial well-being checks. It is not an offer or guarantee of finance. The approval of a conditional loan is subject to an exhaustive credit evaluation, and any offer that you receive could be based on different terms.

    The application process

    Do I qualify for funds?

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

    • are a New Zealand Citizen (or Permanent Resident)
    • are over 18 years, own a New Zealand business (with a valid NZBN/IRD)
    • you must prove at least 6 months of trading (for you to qualify for unsecured loan $5K – $100K) or three years of trade (for the Larger Business Loan $100K or $500K)

    How do I apply?

    The application process is fast and simple. Just fill out the online application within a few minutes and an experienced company lending specialist will be in touch to help you.

    For a loan of up to $100,000 you’ll need identification details (valid Driver’s Licence), a valid NZBN/IRD and at least 6 months of bank statements.

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

    $100K – $250K: Information about the application including credit consent, 6-12 months of bank statements, IRD statement (if you have a loan of more than $150K).
    $250K-$500K: Information on the application including credit consent twelve months bank statement, an IRD statement and the last two years’ finalised financial statements, as well as interim financial statements for the current year such as age-related payables and aged Receivables summaries.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K up to $100,000) we usually offer an answer in just one hour if you make your application at standard business times and let us utilise the advanced bank verification system to instantly verify your bank’s information online. If you want to send us copies of your bank statement, we’ll provide an answer within just the span of one business day.

    For the Larger Business Loan ($100K to $500K) we may be able to offer you with a conditional pre-approval within about 6 hours. Once you have signed the pre-approval, turnaround times are around 2-3 days for final approval. However, it could be faster based upon the circumstances for each application. Some transactions have received approval in just 24 hours.

    The quickest method would be to ensure you apply during standard business hours. Also, allow us to use our modern bank verification link to verify your bank account information online. If you decide to upload duplicates of your banking statement, it may take a bit longer.

    How fast will I get the money?

    For the Small Business Loan ($5K to $100K) we can often offer an answer within an hour if you make your application at standard business time and allow us to make use of the advanced bank verification system link to instantly verify your bank details online. If you decide to submit copies of your bank statements we can offer the decision in just one business day.

    If you are applying for Larger Business Loans ($100K to $500K) we might be in a position to provide you with a conditional pre-approval in about 6 hours. Once you have signed the pre-approval document, you will require to wait approximately 2-3 days to receive final approval. However, this may be quicker depending upon the circumstances for each application. Some deals have been approved in 24 hours.

    The fastest way would be to ensure you apply during normal business hours and permit us to use the modern bank verification to instantly verify your bank information online. If you choose to send us documents from your account statement, it may take a bit longer.

    How much can I borrow?

    We provide loans ranging from $5,000 and $500,000. When you submit an application for a specific amount we consider a variety of aspects in order to assess how much we can lend you health of your business and the extent of repayments your business can support. The total amount of your loan will depend on the particular circumstances the company.

    When you make an application for a specific amount we look at a range of variables to assess how much we can lend you such as health that is your business and the amount of the repayments your company will be able to support. The amount you receive from your loan will be determined by the particular circumstances that are unique to your company.

    Fees & repayments

    How much do you charge for an business loan?

    When you request one of our company financing, we’ll assess the risk assessment that you have for your company and offer you with a customised proposal that includes the amount of the loan, the duration and interest rates. This company loan is an upfront-priced loan therefore you will know the exact amount payable including any charges or interest.

    What determines the amount I pay?

    Interest rates for company loans rates depend on a variety of factors like the amount of money borrowed, what company assets the money are used to purchase in addition to the industry that the business is in, how long the company has been running as well as what percentage of the business has sufficient cash flow to pay for the loan, as well as the general well-being or creditworthiness of the company.

    What are the cost?

    There are no hidden costs for our business loans. You’ll be aware of the amount it is that you be required to pay, and when, right from the very first day. There’s not any compounding interest and no additional fees (as long as you are able to make your payments punctually).

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

    The Origination Fee is the cost associated with setting up 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 amount of the loan.

    Can I repay the loan in advance?

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

    If you are deciding to do this please call our helpful business credit specialists. They’ll provide you with details for repayment as well as an early payout amount. This will be calculated as the sum of the principal balance plus any accrued interest as of the time of the early payout, plus 1.5% of the principal balance and any outstanding fees.

    How do you make repayments work?

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

    Security & privacy

    Will my data be protected?

    Protecting your information, and being upfront about the ways we gather information, use it, and exchange it, as well as secure your information, is of huge importance and is a crucial 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 and financial data and our funders are ISO 27001 qualified for our commitment to protecting the security of customers and security. We use an advanced bank verification system to instantly verify your bank account information online so we can offer an immediate response.

    About business loans

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

    Asset-based borrowing is when a business owner uses assets they own to make the funding. The asset can be a personal asset like the family home or an business asset like a truck or piece or equipment.

    The majority of lenders, not just the big banks, tend to secure loans against assets. If you are having difficulty paying back the loan then your asset may be transferred to the lender. In essence, it is a way of securing new financing by using the value of what you already have.

    What do I require security to get an company loan?

    For loans that exceed $150K, the requirement for asset security is not required in advance to gain access to the funds However, we require a personal guarantee. need an individual guarantee. If you adhere to your loan commitments (as detailed in your loan contract document) and you are able to meet your obligations, asset security will never be required. For loans over $150K generally, there is the option of a personal guarantee and security that is in the form a charge over assets.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction houses & auction websites
    • Debt collection agencies & debt purchasers
    • Direct marketers including telemarketing, fundraising, mail order, direct-mail etc
    • Finance lenders or institutions
    • {Firearm related businesses
    • Foreign currency exchange offerings
    • Customs clearing houses & freight forwarding
    • Gambling related industries
    • Not-for-profit organisations such as charities, churches etc
    • Panel beaters & smash repairers
    • Pawnbrokers and pawn shops
    • Property developers
    • Stockbrokers, shares andinvesment businesses
    • Tattoo studios
    • Ride sharing or taxi services
    • Entertainment sales or ticket resellers
    • Towing services
    • Used car dealerships
    • Vehicle glass tintingservices
    • Car dismantlers

    Although we can’t help with an unsecure business loan in these types of industries, we may be able to help you 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

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    0800 102 591

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