Unsecured Business Loans Whitford NZ

If You Do This Today, You'll Have Everything You Need to Be Successful By Obtaining a Whitford Business Loan

Unsecured Business Loans Whitford

A Whitford unsecured business loan is quick and easy to get. Request a quick approval and use the money for your business.

  • Are additional funds able to help your business by allowing you to work capital or in achieving an opportunity to grow?
  • How are you financing your business needs?

What you can expect:

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

The conditions for eligibility for an unsecured business loan within Whitford are fairly minimal.

I'm now able employ a marketing professional to help me take my business to the next level.
Growing Whitford Business
I'm able to get my taxes back to keep me on track.
Small Business Owner
I'm now able fund the remodel of our brand fresh Whitford resturant without having to borrow cash from other ones.
Whitford Resturant Owner
I can now make espresso for clients with the very best equipment.
Cafe Owner
Business loans with interest rates and repayment terms, as well as flexible repayment options to suit the requirements of your company requirements.
Business Lending Options
An easy loan application process with a large borrowing limit, minimal credit criteria and there is no requirement to provide a business plan. Don't use your personal credit card and company credit card to fund your business.
Unsecured Loans Made Simple
Business loans, specifically those that are unsecured business loan or line of credit to business funding need never be an tense procedure. Business finance is in the form in the form of small business loans that have an interest rates and repayment schedule that fits the requirements of your company cash flow.
Business Lenders for Business Goals
I'm now able take vacation knowing that the Whitford company will run effortlessly.
Local Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

The process of applying for the company loans in Whitford with us is simple and only takes some minutes, without piles of paperwork or long waits.

Be approved and receive your cash within 1-2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Whitford companies of all kinds, including medium, small and even soloprenuers to get access to quick funding so that they can utilise the loan to grow and build.

  • It starts with an easy online application or a phone call
  • Flexible terms for repayment to fit your company
  • Fast cash in just a day or two days
  • A team of people who want to see you succeed as well as you business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The eligibility requirements for an unsecured business loan in Whitford 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
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for evidence of identity
  • Make sure you have a New Zealand bank as your principal trading account
  • Bank statements from the last 6 months

Need more funds? Check out the guidelines for eligibility for our $100K-$500K company loans.

Here's How Others Have Benefited

Examples of Business Loans

A gym that had been in operation for more than 3 years decided to increase its size and required additional equipment. With monthly revenue of $37K they borrowed $72K over a 24 month period. There was no security requirement for the loan and it was settled in only 24 hours.
The owner of a small grocery store making $70K a month borrowed $76K over a 24 month period, with no payments during the initial 4 weeks. This 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
An interior designer had noticed an opportunity to grow their company and required working capital to finance the growth. With monthly revenue of $300K they took out a loan of $250K for 24 months. Turnaround time for them was just 2 days and all they had to provide was 12 months of bank statement IRD confirmation, IRD confirmation and their trust deed.
Interior Designer
The busy Christmas season was coming up, a store selling clothing required additional working capital to fund extra stock and also benefit from discounts offered by suppliers. They were able to borrow $20K for 12 months, with no security of assets required. They received the funds within 24 hours.
Clothing Store
A restaurant owner wanted to open another restaurant and needed money to fund the fit out. Their bank was not interested in helping. Their typical monthly earnings was $50K. They were able to borrow $66K over the course of 24 months. Turnaround was only 8 hours.
Restaurant Owner
Simple eligibility checklist

Larger Whitford Business Loan Eligibility Criteria

The requirements for eligibility to be eligible for larger Whitford company loans of between $100K and $500K consist of:

  • Minimum of 3 years in business
  • At least $700K of annual revenue
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification proof
  • Have an account at a New Zealand bank as your primary account for trading
  • Bank statements from the past six months
  • Some financial statements like Profit & Loss and the Aged Accounts Payable and Receivable

Are you looking for a lower amount of funds? Find out the conditions for eligibility for our $5K-$100K Whitford unsecured company loans.

Business Lending for a Cash Injection

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

A Whitford unsecured loan is great for nearly every company use. Contact us now.

  • Remodel or expand commercial spaces
  • Hire more staff during busy periods
  • Increase stock levels to keep up with demand
  • Develop a new website, or increase your marketing
  • Make sure you invest in new equipment, tools or technological advancements
  • Buy extra stock to meet seasonal demand
  • Manage cash flow fluctuations
  • And many more …

Do you want to start working on one of these idea as quickly as tomorrow? Contact us or send your application online to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

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

In the course of the process and before settlement we’ll need confirmation of who you are, but not before we can begin:

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

Once we’ve started, for loans over $150,000 you will also need the following financial statements:

  • P&L 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 increase the size of their business and needed working capital to finance the growth. With a monthly revenue of $300K they borrowed $250K in 24 months. The time to turn around for them was just 2 days and all they had for them to present is 12 months' worth of Bank statement along with IRD confirmation and trust deed.
    Interior Designer
    The owner of a small grocery store doing $70K a month borrowed $76K over a 24 month period with no repayments for the first 4 weeks. This required 12 months of bank statements. The turnaround time was only 6 hours from the time of application until receiving the funds.
    Grocery Store Small Business Loan
    A plumber who's operated their business for three years with 80K in monthly sales was in search of additional funds. They took out $153K on 36 months. All they needed was 12 months of bank statement and confirmation of the loan's status with IRD. The process was completed within one day, and the plumber got their extra working capital in ther account soon afterward.
    A business coach was looking to invest in an well-being and cosmetics company. With just a little more than 12K in revenue per month, they borrowed $24K over 24 months. This only required twelve months worth of statements and was completed in just 8 hours.
    Business Coach
    A gym that had been going for nearly 3 years was looking to expand and needed more equipment. With a monthly turnover of $37K they borrowed $72K over a month period. No security was required for the loan and it was ready to go within only 24 hours.

    The lending landscape has changed

    With traditional lenders and banks tightening their credit terms The steady flow of non-bank and alternative loan providers entering the market offers a great resource for you to access.

    Whitford SME’s are now being able to get finance from alternate lenders servicing Whitford who are focused on enabling business growth or smoothing out cash flow issues. In the past, private credit options (drawing equity from a home loan, or by using credit cards in addition to personal loans and overdrafts) was the sole alternative financing services within Whitford that were around.

    There is now there is no requirement in the present to rely on the real estate market to secure company lending. With an unsecured loan, business financing is easy. Instead of a loan for a term with the bank, business finance for a small business with interest rates and loan terms that can help in cash flow are available as business loan options.



    High level summary

    Separate personal and business debt

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

    • Your home, or other investments, aren’t tied up in order to access funds
    • This business has a much better position to create its own credit history
    • It is much more straightforward when it comes to tax time
    • Companies can quickly view their cash flow, monitor and plan based on their ability to clearly examine their cash flow status

    Lower your risks, make the tax process much easier. Get started with an unsecure company loan. Get it today.

    For those who like the detail

    Separate personal and business debt


    One of the main benefits of keeping your personal and business assets apart will be the fact that your home isn’t necessarily tied up to allow access to the funds. In the case of a business loan within Whitford up to $100K, asset security will not be required as long as the borrower is able to meet the loan requirements.

    Credit history

    Companies are in a favourable long-term position if they have a good credit or debt ability to service.


    Separating personal and business finances makes it significantly more straightforward with regards to tax time - particularly when determining the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has outlined the guidelines on the proof required to claim deductions on an organisation’s tax return. This is an area that the IRD have specifically advised on.

    Cash flow

    Effective cash flow management is crucial to the long-term survival 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 effectively determine their cash flow status.

    I am now able to take an extended vacation knowing that my Whitford business will run without a hitch.
    Local Business Owner
    I'm now able to finance the renovation of our newly constructed Whitford resturant without having draw cash from other restaurants.
    Whitford Resturant Owner
    Business credit rates and repayment terms and flexible repayment options to meet your business needs.
    Business Lending Options
    I'm now able make the coffee I serve my customers with the best equipment.
    Cafe Owner
    Business loans, particularly one that is an unsecured business loan or line of credit to business financing require to not become a difficult process. Business finance in the form in the form of small business loans that have an interest rate and repayment term which is compatible with the needs of your business budget.
    Business Lenders for Business Goals
    I'm able to get my tax back to keep me on track.
    Small Business Owner
    I'm now able to hire a marketing specialist to take my company to the next step of business growth.
    Growing Business
    A straightforward loan application process with a large borrowing limit, minimal credit criteria and no need to create a business plan. Do not use your personal credit card or company credit cards in order to fund your company.
    Unsecured Loans Made Simple
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    More about the Whitford Small Business Loans

    Tell me what you think of the Whitford Small Business Loans

    Whitford unsecured loans provides amounts between $5,000 and $100,000 with terms between 3 and 24 months, cash flow friendly repayments that are either daily or weekly.

    What is this Unsecured Loan different from an ordinary company loan?

    Apply for this Small Business Loan in under 10 minutes via the internet or on the phone. You’ll receive a same day response and the funds could be on your account within 24 hours. Traditional business loans are based on an annual rate of interest as well as other fees and charges. Our company loan is a pre-paid loan and you’ll be aware in advance of the amount you will have to pay, including any fees, interest or charges. Then, it is divided into a daily or weekly payment amount.

    What could the Small Business Loan be used for?

    A Small Business Loan can be used for almost any business purpose including cash flow management, company renovations, marketing, to purchase inventory or new equipment, as general working capital and so much more. The loan cannot be used to fund personal expenses.

    About Larger Whitford Business Loans

    What is the Larger Whitford Business Loan?

    The Larger Business Loan is a larger size loan to aid in business expansion opportunities. Loans are between $100,000 and $500,000 over a fixed term for up to 36 months. The repayments are made weekly or fortnightly to work with you cashflow.

    How is the Origination Fee determined?

    The Larger Business Loan has an Origination Fee, which is calculated at 2.5% of the amount of the loan.

    Can I get the Larger Business Loan?

    In order to be eligible for a loan in this amount, your business needs to have been in operation for at least 3 years and generate an annual revenue of $700K. You must be a New Zealand Citizen (or Permanent Resident) over 18 years, own a New Zealand company (with a valid NZBN/IRD) and be able demonstrate at least 12 months of trading.

    What can I use the funding for?

    A Larger Business Loan is a great option for almost all company use, including business improvements, purchasing inventory or new equipment or as general working capital, and much more. The loan is not available for personal purposes.

    Is the Larger Business Loan a secured loan?

    Asset security is required to obtain funding above $150,000. It’s by taking a charge over assets, which could also include registering this with the PPSR or registering as a caveat.

    A personal or director’s ensure is a promise to repay credit that is generally in nature rather than stating security over an asset. The person signing the ensure is personally accountable if the company borrower is unable to re-pay the debt.

    The Personal Property Securities Register (PPSR) is an online, central register that is operated by the New Zealand Government. It contains security interests which are registered with respect to personal property (including items or assets). The PPSR gives priority over personal property to be assigned according to the date the security interest has been registered.

    An affidavit is an official document that is filed to provide an official notice of a claim to a property.

    What is a pre-approval minus Credit Check?

    If you’re requesting an enterprise loan of $250K or more it is possible to offer an initial pre-approval in order to make the process. We might be able to apply for this without credit checks and within six hours of your initial application. The pre-approval process is based on an initial evaluation that involves you answering some financial well-being checks. This is not an offer of credit or guarantee of credit. Acceptance without condition is subject to an extensive credit evaluation and any offer you receive could be subject to different terms.

    The application process

    Are I eligible for funding?

    You may apply for a company loan if you:

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

    How do I apply?

    The application process is quick and simple. Just complete the online application in few minutes and an experienced business expert in lending will contact you to guide you through the process.

    To apply for up $100,000 you’ll need ID details (valid Driver’s License) and a valid NZBN/IRD and at least six months of bank statements.

    Otherwise, 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 loan above $150K).
    $250K to $500K: Details of the application, including credit consent, 12 months of bank records, IRD statement, last 2 years finalised financial statements, and interim financials from the current financial year, Aged Payables and Aged Receivables reports.

    How quickly will I receive a decision?

    For an unsecured loan ($5K and up) we typically provide an answer in just one hour, provided you make your application at standard company hours and allow us to utilise the advanced bank verification system to instantly verify your bank’s information online. If you opt to send us copies of your bank statements , we’ll be able to offer the decision in just an company day.

    If you are applying for a Larger Business Loan ($100K up to $500,000) we could be likely to offer you with conditional pre-approval within about six hours. After you’ve signed your pre-approval form, it will take about 2-3 days for final approval. However, this may be quicker depending on the particular circumstances of each application. Some transactions have received approval in 24 hours.

    The quickest method would be to make sure you apply during standard company hours. Also, allow us to use the modern bank verification to verify your bank account information online. If you opt to send us copies of your bank statement, it can take a bit longer.

    How fast will I get the money?

    For the Small Business Loan ($5K or more) we can often offer a response in one hour if you make your application in standard business hours and permit us to make use of the advanced bank verification system to instantly verify your bank details online. If you opt to submit copies of your bank statements, we’ll be able to provide the decision in as little as 1 business day.

    If you are applying for Larger Business Loans ($100K up to $500,000) we may be able to provide you with a conditional pre-approval within 6 hours. Once you have signed the pre-approval form, it will take about 2-3 days for final approval. However, this can be faster depending on the circumstances of each application. Certain agreements have been approved within the space of 24 hours.

    The most effective method for you to apply is ensure you apply during standard business hours. You can also allow us to use the advance bank verification link to confirm your bank details online. If you upload documents from your account statement, it takes a bit longer.

    What is the maximum amount I can borrow?

    We offer loans ranging from $5,000 to $500,000. If you apply for a certain amount we consider a variety of aspects that determine your health for your company as well as the amount of the repayments your business can afford. The amount you receive from the loan will be determined by the specifics the company.

    When you apply for a specific amount we will consider a number of factors to determine the well-being of the business as well as the amount of repayments that your business is able to afford. The amount you receive from your loan will depend on the particular circumstances of your company.

    Fees & repayments

    How do you charge for an business loan?

    If you decide to make an application for the business loan, we will assess the risk assessment the company and offer you with a tailored proposal that includes the loan amount, the terms and the interest rates. It is a 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 is the basis for the rate I am charged?

    Business loan interest rates vary due to factors including the amount borrowed, the company assets the money will be used for as well as the field the company is in, how long the company is in operation and whether the company has sufficient cash flow to pay for the loan, and the general health or creditworthiness of the business.

    What are the fees?

    There are no hidden fees with our company loans. You’ll be aware of the amount you’ll need to pay and when, starting from the very first day. There’s not any compounding interest and the loan comes with no additional fees (as long as you make your payments punctually).

    We do not charge an application fee. You are able to request a credit loan with no upfront cost or obligation to proceed.

    The Origination Fee covers the costs associated with setting up and managing the loan. You are only charged this cost if you take out the loan. Our Origination Fee is 2.5 percent of the amount of loan.

    Can I repay the loan in advance?

    You can choose to repay all of your loan early at any time.

    If you are deciding to do this please talk to one of our helpful company loan professionals. The experts will provide you with repayment details and an early payment figure. The figure will be calculated as the total of the principal remaining and any accrued interest at the time of early payout plus 1.5 percent of the principal balance as well as any outstanding fees.

    What are the repayment methods?

    To ensure you do not miss payments and to work your cash flow schedule, we offer repayments that are either daily or weekly. These are automatically deducted from your 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 data, process, exchange and safeguard your data, is vital and a vital part of our relationship you.

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

    Yes. We employ industry-recognised encryption standards to secure your personal, sensitive and financial data and our funders are ISO 27001 qualified for our dedication to protecting the security of clients and privacy. We utilise a sophisticated bank verification system link to instantly verify your bank account details online so we can provide an immediate response.

    About business loans

    What is asset-based borrowing (a secured loan)?

    The term “asset-based” refers to borrowing where an company owner uses an asset that they own to obtain the funds for a loan. The asset can be either a personal asset like the family home, or a business asset like a truck as well as a piece of machine.

    The vast majority of lending institutions, not just the big banks, tend to make loans secured by assets. If you are having difficulty paying back the loan, then the asset could be sold by the lender. In essence it is the process of securing additional financing making use of the value of what you already have.

    Should I require security for an business loan?

    Up to $150,000 in loans no asset security is required before you are able to access the money However, we do require an individual guarantee. If you adhere to the terms of your loan (as specified in the loan contract) and you are able to meet your obligations, asset security is not required. For loans that exceed $150,000, generally, you can get personal 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 & auction houses
    • Debt purchasers & debt collection companies
    • Direct marketing such as telemarketing, fundraising, mail order, direct-mail etc.
    • Financial institutions & lenders
    • {Firearm businesses
    • Foreign currency exchange offerings
    • Customs clearing houses and freight forwarding
    • Anything gambling related
    • Not-for-profit organisationsincluding charities, churches etc
    • Panel beaters & smash repairers
    • Pawnbrokers and pawn shops
    • Property developers
    • Stockbrokers, shares andinvesment businesses
    • Tattoo studios
    • Taxi and ride sharing services
    • Ticket resellers and entertainment sales
    • Vehicle towing services
    • Used car dealerships
    • Vehicle glass tintingservices
    • Vehicle wrecking yards

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