Unsecured Business Loans Westmere NZ

If You Do This Today, You'll Be All Set For Success With a Westmere Business Loan

Unsecured Business Loans Westmere

A Westmere unsecured business loan is simple and quick to get. Approve your loan in a matter of minutes and use the money for your company.

  • Would extra funds help your business with working capital or to take advantage of an opportunity to grow?
  • How are you financing your company requirements?

You can expect:

  • It’s easy to apply and be approved for the funds will be around as early as tomorrow
  • Optionally no reayments in the first 4 weeks
  • Borrow from $5k to $500K
  • Terms ranging from three to thirty-six months
  • Competitive rates of interest rates
  • Minimal docs

The eligibility requirements for an unsecured business loan within Westmere are fairly minimal.

I can get my tax back on track.
Small Business Owner
I am now able to make beverages for clients using the very best equipment.
Cafe Owner
Business loans, specifically an unsecured unsecured business loan or line of credit to business funding require never be an difficult process. Business finance in the form in the form of small business loans with an interest rates and repayment term that will suit your business liquidity.
Business Lenders for Business Goals
I can now take time off knowing that it is safe knowing that Westmere company will run well.
Local Business Owner
I can now fund the remodel of our brand fresh Westmere resturant without having to take cash from other locations.
Westmere Resturant Owner
A simple loan application process with a huge loan limit, with minimal 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 finance your business.
Unsecured Loans Made Simple
I'm now able hire a marketer to help me take my business to the next level.
Growing Westmere Business
Business business loans, interest rates and repayment terms and flexible repayment options that can be tailored to you company needs.
Business Lending Options
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting business loans in Westmere business loan in Westmere with us is simple and only takes less than a minute, with no mountains of paperwork or queues.

Receive approval and cash within 1-2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We aim to help Westmere businesses of all sorts small, medium even solopreneurs access funding fast so they can utilise the loan to expand and grow.

  • It begins with an easy online application, or phone call
  • Flexible repayment terms that can be tailored to your company
  • Fast cash in just a day or two
  • A team wanting for you as well as your business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • Minimum of 6 months in business
  • A minimum of $6,000 in revenue per month
  • You must be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for proof of identity
  • Use a New Zealand bank as your primary account for trading
  • Bank statements from the previous six months

Are you looking for additional funding? Take a look at the conditions of eligibility for our $100K-$500K business financing.

Here's How Others Have Benefited

Examples of Business Loans

A plumber who's operated their business for three years with $80K in monthly sales was looking for additional funding. They borrowed $153K over 36 months. The only thing needed was 12 months of bank statements as well as confirmation of the loan's status with IRD. The process was completed within a day and the plumber had their extra working capital in ther account in a matter of hours.
With the busy holiday season coming up, a store selling clothing needed working capital to fund extra stock and take advantage of discounts from suppliers. They borrowed $20K over 12 months with no collateral for their assets, and they had the funds in less than 24 hours.
Clothing Store
A restaurant owner was wanting to open a second location and needed funds for the remodel. Their bank was not willing to help. Typical monthly revenue for them was $50K. They were able to get a loan of $66K over the course of 24 months. The turnaround time was just 8 hours.
Restaurant Owner
An interior designer had spotted an opportunity to expand their business and needed working capital to fund this growth. With monthly revenue of $300K they borrowed $250K over 24 months. The time to turn around for them was only 2 days, and all they had to provide were 12 months worth of banking statements IRD confirmation, IRD confirmation and trust deed.
Interior Designer
Acquiring a pizza shop and 2 liquor stores 6-12 months earlier, the new owners were seeking additional funds. The overall revenue was $500k per month. They could have borrowed $300K and split it into $100K for each store, with a mix of 24 and 36 month terms. No security over the owner's homes was required.
Owner of a Pizza Store & 2 Liquor Stores
Simple eligibility checklist

Larger Westmere Business Loan Eligibility Criteria

The criteria to be eligible in the larger Westmere business loans of between $100K and $500K are:

  • Minimum of 3 years in business
  • A minimum of $700K annually in income
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification proof
  • Use an account with a New Zealand bank as your principal trading account
  • Bank statements from the last six months
  • Some financial statements like Profit & Loss and the Aged Accounts Payable and Receivable

Are you looking for a lower amount of money? Take a look at the guidelines for eligibility for our $5K to $100K Westmere unsecured business loans.

Business Lending for a Cash Injection

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

A Westmere unsecured loan is great for nearly every company purpose. Call us now.

  • Renovate or expand commercial properties
  • Staff expansion for busy times
  • Boost stock quantities to meet demand
  • Make a brand new website or increase your marketing
  • Put money into new tools, equipment or technological advancements
  • Purchase extra stock to cover seasonal demand
  • Manage cash flow fluctuations
  • Plus many more …

Want to get started on one of these idea as quickly as tomorrow? Then get in touch with us or apply online now to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All that’s required to get started is your contact information (company name and your name, as well as email, 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, but not to get started:

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

Additionally after we get started when it comes to loans over $150,000 you’ll require the following financial statements:

  • P&L 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

    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. The turnaround time was only 6 hours from application to getting the money.
    Grocery Store Small Business Loan
    Following the purchase of a pizza store and 2 liquor stores six to 12 months earlier, the new owners needed additional cash. The total revenue of the two stores was more than $500k per month. They were able to borrow $300K. The loan was split into $100K per store on two different 24 and 36 month terms. No security over the owners homes was required.
    Owner of a Pizza Store & 2 Liquor Stores
    A company coach wanted to invest in a well-being and cosmetics company. With just over $12K in monthly revenue the company borrowed $24K over 24 months. This only required the submission of 12 months' bank statements and was completed in just 8 hours.
    Business Coach
    A gym that was in operation for more than 3 years was looking to expand and was in require of additional equipment. With a monthly income of $37K, they borrowed $72K over a month period. The loan was not secured and the loan was settled in just 24 hours.
    A restaurant owner was wanting to open a second restaurant and needed funds for the installation. Their bank wasn't interested in helping. The typical monthly income for them was $50K, and they were able borrow $66K over the course of 24 months. The turnaround time was 8 hours.
    Restaurant Owner

    The lending landscape has changed

    With banks and traditional lenders tightening their credit terms as well as the continuous stream of alternative and non-bank loan providers that are entering the market provides an excellent source to tap into.

    Westmere SME’s are now being able to get finance from other lenders in Westmere who are focused on enabling company expansion or smoothing out the cash flow problems. In the past, the personal sources of credit (drawing equity from the home loan, or by using credit cards and personal loans as well as the overdraft) provided the most viable alternative financing solutions in Westmere that were available.

    There’s there is no requirement of having to depend on real estate to secure business loan. With an unsecured loan business financing is easy. Instead of a traditional term loan from a bank, 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 numerous benefits in separating personal from company debt.

    • Your home or other investmentsaren’t tied in order to access funds
    • This business is in a much better position to build its own, solid credit history
    • It’s much more seamless when it comes to tax time
    • Businesses can easily view, monitor and plan based on the ability to clearly determine their cash flow position

    Reduce your risk, make your tax time easier, get started with an unsecure company loan, apply today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your individual and business assets separate is that your house isn’t required to be tied to allow access to the funds. For a modest business loan within Westmere up to $100K, asset security will not be required so long as the borrower fulfills their loan obligations.

    Credit history

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


    Separating personal and company finances makes it more seamless when it comes to tax time - particularly when determining the tax-deductible amount. Particularly when determining what is the tax deductible allocation. IRD has set out the rules on the evidence required in order to deduct deductions from an individual’s tax return. This is an area where the IRD have specifically advised on.

    Cash flow

    Effective cash flow management is key for the long-term success for any business. By keeping the personal financial and business finance separate, businesses can easily view their cash flow, plan and monitor it based on the ability to clearly examine their cash flow.

    I'm now able make espresso for clients with the very best equipment.
    Cafe Owner
    Business loans with interest rates and repayment terms and flexible repayment options to fit what your company requirements.
    Business Lending Options
    Simple loan application procedure with a large limit on borrowing, no credit criteria and there is no requirement to provide a business plan. Stop using your personal credit card or business credit cards as a way to fund your company.
    Unsecured Loans Made Simple
    I'm now able to hire an specialist marketer to take my company to the next stage of business growth.
    Growing Business
    I'm now able to finance the fitout of our modern Westmere resturant without having to pull cash from the other locations.
    Westmere Resturant Owner
    Business loans, particularly those that are unsecured business loan or line of credit to business funding require to not become a difficult process. Finance for a company in the shape of small business loans at an interest rate and repayment term that is suitable for the requirements of your business liquidity.
    Business Lenders for Business Goals
    I'm now able to go on an extended vacation knowing that the Westmere business will run effortlessly.
    Local Business Owner
    I'm able to get my tax back on time.
    Small Business Owner
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    About The Westmere Small Business Loans

    Let me know how you can avail the Westmere Small Business Loans

    Westmere unsecured loans provides amounts 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.

    What makes how is the Unsecured Loan different from a traditional business loan?

    You can apply for the Small Business Loan in under 10 minutes online or over the phone. You’ll get an immediate response, and funds may be on your account within 24 hours. Traditional company loans have an annual interest rate together with additional fees and charges. Our company loan is a pre-paid loan so you will be aware in advance of the total amount to be paid, including any interest, fees or charges. This is then broken down into either a daily or weekly payment amount.

    What could the Small Business Loan be used for?

    It is a Small Business Loan can be used for virtually any company need, such as cash flow management, company renovations, marketing to purchase inventory or new equipment, or as general working capital and so much more. The loan cannot be used for personal use.

    About Larger Westmere Business Loans

    What is the Larger Westmere Business Loan?

    The Larger Business Loan is a larger size of loan that can be used to fund business growth opportunities. Loans are between $100,000 and $500,000 with a fixed-term up to 36 months. Repayments are either weekly or fortnightly, depending on your situation.

    How’s the Origination Fee calculated?

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

    Do I qualify for the Larger Business Loan?

    To be eligible for a credit that is this large the business needs to have been operating for a minimum of 3 years and have an annual turnover of at least $700K. It is necessary to 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 demonstrate at minimum 12 months of continuous trading.

    What can I use the funding for?

    A Business Loan of a larger size can be used for nearly every company use, including business renovations, to purchase equipment or inventory for general working capital and much more. The loan cannot be used for personal use.

    Is the Larger Business Loan a secured loan?

    Asset security is needed for accessing funds over $150,000. This is as a result of an charge on assets, which could also be registered in the PPSR or filing as a caveat.

    A director’s or personal ensure is a commitment to pay back a loan that is generally in nature rather than stating the security for a particular asset. The person who signs the guarantee is personally liable in the event that the company creditor is unable to make the repayment.

    The Personal Property Securities Register (PPSR) is a central, national online register that is operated by the New Zealand Government. It lists security interests that are granted to individuals who own personal property (including items or assets). The PPSR gives the priority of personal property assigned depending on the date that a registration of a security interest.

    An affidavit is an official form of document to offer the public notice of a legal claim to a property.

    What is a pre-approval without Credit Check?

    If you’re requesting larger business loans that exceeds $250K we may be able to provide a preliminary pre-approval to help make the process. We may be able to get this done without a credit check and within six hours of your initial application. This pre-approval is made based on an initial assessment that includes you answering a few financial well-being questions. It’s in no way an offer, nor is it a guarantee of finance. Acceptance without condition is subject to an assessment of your creditworthiness and any offer that you are offered could be based on different terms.

    The application process

    Do I qualify for funds?

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

    • are a New Zealand Citizen (or Permanent Resident)
    • are over 18 years, own a New Zealand company (with a valid NZBN/IRD)
    • you must prove 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 fast and simple. Simply complete the online form in few minutes and an experienced business lending specialist will contact you to guide you through the process.

    To be eligible for up to $100,000, you’ll require ID details (valid Driver’s License), an NZBN/IRD that is valid and at least six months of bank statements.

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

    $100K to $250K: Application requirements, including credit consent, 6 – 12 months of IRD statements, bank statements (if the loan is greater than $150K).
    $250K to $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 as well as Aged Payables and Receivables Summary.

    How quickly will I receive a decision?

    For an unsecured loan ($5K up to $100,000) We can usually offer a response in one hour if you make your application within standard business time and permit us to make use of the advanced bank verification system to instantly verify your bank’s information online. If you want to submit copies of your bank statements we can offer an answer within the span of one business day.

    If you are applying for a Larger Business Loan ($100K up to $500,000) we could be in a position to provide you with a conditional pre-approval within six hours. Once you have signed the pre-approval, turnaround times are around 2-3 days for final approval, however it could be faster based on the circumstances of each application. Certain deals have been approved within less than 24 hours.

    The most efficient method can be ensure you apply during normal company hours. Also, let us use the advance bank verification link to verify your bank account information online. If you choose to send us documents from your account statements it can take a bit longer.

    How fast will I get the cash?

    For the Small Business Loan ($5K to $100K) we usually provide an answer in just one hour – provided you make your application at standard business hours and you allow us to utilise the advanced bank verification system to immediately verify your bank account information online. If you opt to upload copies of your banking statement, we’ll provide the decision within one business day.

    For Larger Business Loans ($100K and up) we may be in a position to offer you with pre-approval conditional to your application in around six hours. After you’ve signed the pre-approval form, it will take around 2-3 days for final approval. However, this can be faster depending on the circumstances of each application. Certain deals have been approved within the space of 24 hours.

    The fastest method for you to apply is make sure you apply during normal business hours. You can also let us use the advance bank verification to verify your bank account information online. If you decide to send us duplicates of your banking statements, it can take a bit longer.

    What’s the minimum amount I can borrow?

    We provide the loan amount between $5,000 to $500,000. When you submit an application for a specific amount we consider a variety of factors that determine the well-being for your company as well as the amount of the repayments your business is able to afford. The total amount of your loan will depend on the specifics for your company.

    When you submit an application for a set amount, we will consider a number of aspects to determine your health for your company and the amount of the repayments your business can support. The amount you receive from your loan will be contingent on the specific circumstances that are unique to your business.

    Fees & repayments

    How much should you charge for a company loan?

    When you make an application for business loans with us company financing, we’ll assess the risk profile of your company and offer you with a customised offer that includes the amount of the loan, the duration and interest rates. A business loan is an upfront cost loan and you’ll be aware in advance of the total amount payable including any charges, interest rates or fees.

    What determines the rate that I’m charged?

    Interest rates for business loans rates depend on several variables like the amount to be of money borrowed, the company assets the funds will be used for, the industry the company operates in, the long the company has been in operation for, what percentage of the company has enough cash flow to pay for the loan, and also the general well-being and creditworthiness of the company.

    What are the fees?

    There aren’t any hidden costs with our business loans. You’ll know exactly how much you’ll need to pay, and when, right from the very first day. There’s not any compounding interest and no additional fees (as long as you make your payments on time).

    We don’t charge an Application Fee. You can apply for a loan with absolutely no upfront cost and no the obligation to take action.

    The Origination Fee includes the expenses associated in establishing and managing the loan. The only way to pay this fee if you choose to proceed with the loan. Our Origination Fee is 2.5 percentage of the amount of the loan.

    Can I pay off the loan earlier?

    You can repay the total amount of your loan in full at any time.

    If you do decide to pursue this option, please call our helpful business lending specialists. They will offer you with repayment details as well as an early payout amount. The figure will be calculated as the sum of the principal balance and any accrued interest at the time of the early payout, plus 1.5 percent of the principal balance as well as any outstanding fees.

    How do repayments work?

    To make sure that you don’t miss payments and to work your cash flow schedule, we provide repayments either weekly or daily. They are automatically deducted from the nominated company account.

    Security & privacy

    Will my information be protected?

    The security of your personal information, as well as making it clear the ways we gather information, use it, and exchange it, as well as safeguard your data, is crucial and is an essential part of our relationship you.

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

    Yes. We utilise industry-recognised encryption protocols to safeguard your sensitive, personal and financial data and our funders are ISO 27001 qualified for our dedication to security for our customers and security. We make use of an advanced bank verification system that allows you to instantly verify your bank account information online so we can provide quick responses.

    About business loans

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

    Asset-based borrowing is when an business owner makes use of assets they own to make a loan. The asset could be an individual asset, such as the family home, or a company asset such as a vehicle or piece or equipment.

    The vast majority of lending institutions, even the banks with the biggest size, prefer to guarantee loans against assets. If you’re having trouble paying back the loan, your asset may be sold by the lender. In essence, it’s a way of securing new funding using the value of what you already own.

    Should I require security for an company loan?

    For loans of up to $150,000, it is not necessary to secure assets prior to the loan’s access however, we do need the personal guarantee. So long as you comply with the terms of your loan (as stated in the loan contract) Asset security is not needed. For loans over $150K generally there is the option of a personal guarantee and security in the form of an asset charge.

    Industries we currently aren't able to help with

    • Adult related industries
    • Auction websites & auction houses
    • Debt purchasers and debt collection companies
    • Direct marketers such as mail order, fundraising, telemarketing, direct-mail etc.
    • Financial institutions and lenders
    • {Firearm dealers
    • Foreign currency exchange solutions
    • Freight forwarding and customs clearing houses
    • Anything gambling related
    • Not-for-profit organisationsincluding charities and churches etc.
    • Panel beaters & smash repairers
    • Pawnbrokers or pawn shops
    • Property developers
    • Stockbrokers, shares &invesment businesses
    • Tattoo studios
    • Ride-sharing & taxi services
    • Entertainment sales or ticket resellers
    • Vehicle towing services
    • Secondhand car dealerships
    • Car glass tintingcompanies
    • Automotive wrecking yards

    Although we cannot assist with an unsecure business loan for the above industries, we might be able to assist with 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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