Unsecured Business Loans Wiri NZ

Today, You'll Be On The Right Track To Success By ObtainingThe Help Of a Wiri Business Loan

Unsecured Business Loans Wiri

A Wiri unsecured business loan is simple and quick in applying for. Apply for a loan quickly and begin using the money in your business.

  • Would extra funds help your company with working capital or to take advantage of the opportunity for growth?
  • What is the financing strategy you are using to fund your company needs?

You can expect:

  • Easy to apply and receive approval and cash as quickly as tomorrow
  • Optionally no reayments in the first four weeks
  • The range of borrowing is from $5k to $500K.
  • Terms from 3 to 36 months
  • Competitive rates of interest prices
  • Minimal docs needed

The eligibility requirements for an unsecured business loan in Wiri are fairly minimal.

Business credit rates and repayment terms and flexible repayment options to meet what your business requirements.
Business Lending Options
I'm able to get my taxes back in order.
Small Business Owner
I'm now able employ a marketing professional to boost my company to the next step.
Growing Wiri Business
I'm now able to go on an extended vacation knowing that it is safe knowing that Wiri company will run well.
Local Business Owner
Business loans, specifically an unsecured unsecured business loan or line of credit to business financing require not be a tense process. Business finance is in the form of small business loans at an interest rate and repayment schedule which is compatible with your company cash flow.
Business Lenders for Business Goals
I can now fund the construction of our newly constructed Wiri resturant without having to pull cash from the other restaurants.
Wiri Resturant Owner
I'm now able make espresso for customers with the very best equipment.
Cafe Owner
A simple loan application process with a large loan limit, with minimal requirements for credit, and no requirement to present a business plan. Don't use your personal credit card and company credit cards as a way to fund your business.
Unsecured Loans Made Simple
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for an business loans in Wiri with us is easy and takes only a few minutes, no long lines of paperwork or waiting in line.

Be approved and receive your funds within one to two company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

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

  • It starts with an easy online application or a phone call
  • Flexible terms for repayment to fit your business
  • Fast funding within a day or two
  • A team of people who want you and your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Wiri of between $5K and $100K is fairly low.

  • At least 6 months in business
  • A minimum of $6,000 in revenue per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification proof
  • Make sure you have a New Zealand bank as your primary account for trading
  • Bank statements for the last 6 months

Need more funds? Take a look at the conditions of eligibility for our $100K-$500K company loan.

Here's How Other People Have Benefited

Examples of Business Loans

When they purchased a pizza place as well as two liquor stores 6-12 months earlier, the new owners needed additional funds. The total revenue of the two stores was more than $500k per month. They were able to obtain $300K. The loan was split into $100K for each store using the option of 24- and 36 month terms. There was no security on the owners' homes was required.
Owner of a Pizza Store & 2 Liquor Stores
A plumber who has been in business for 3 years with monthly sales of $80K was in search of additional funds. They took out a loan of $153K for a 36 month term. All that was needed was 12 months of bank statements as well as confirmation from the IRD. The process was completed within one day, and the plumber got their extra working capital in ther account in a matter of hours.
A business coach was looking to invest in the well-being and beauty business. With just over twelve thousand dollars in monthly income the company borrowed $24K over 24 months. This required 12 months of bank statements and was done in 8 hours.
Business Coach
A gym that was in operation for more than 3 years was looking to expand and required additional 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 within just 24 hours.
An interior designer had noticed an opportunity to increase the size of their company and required working capital to finance the expansion. With an annual revenue of $300K they took out a loan of $250K for 24 months. The time to turn around for them was just 2 days and all they had to provide is 12 months' worth of Bank statement IRD confirmation, as well as their trust deed.
Interior Designer
Simple eligibility checklist

Larger Wiri Business Loan Eligibility Criteria

The criteria for eligibility of larger Wiri business loans of between $100K and $500K include:

  • Minimum of 3 years in business
  • A minimum of $700K annually in revenue
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for proof of identity
  • You should have an account at a New Zealand bank as your main trading account
  • Bank statements from the past six months
  • Certain financial statements include Profit & Loss, and aged accounts Payable and Receivable

You are looking for a lesser amount of funding? Find out the eligibility requirements for our $5K to $100K Wiri unsecured company loans.

Business Lending for a Cash Injection

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

A Wiri unsecured loan is great to use for every business use. Get in touch with us today.

  • Add or remodel commercial properties
  • Staff expansion for busy times
  • Boost stock quantities to keep up with demand
  • Create a new site or increase your marketing
  • Consider investing 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 as soon as tomorrow? Contact us or apply online now to get the fastest and most effective process.

Quick application checklist

What do you need to apply

All that is needed for starting is your contact details (company name, your name, email and telephone), how much you’d like to borrow and your monthly earnings.

In the course of the process and before settlement we’ll need confirmation of your identity, but not for starting:

  • Idenfication details (valid Driver’s License)
  • Information about the company, including details on trading hours, ownership details and NZBN (New Zealand Business Number)

In addition, once we have started, for loans greater than $150,000 you’ll require 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

    The owner of a modest grocery store that earned $70K per month borrowed $76K over a 24-month period, with no payments for the first four weeks. This had a requirement of 12 months' bank statements. The turn around time was 6 hours from the moment you applied to receiving the funds.
    Grocery Store Small Business Loan
    After purchasing a pizza shop as well as two liquor stores six to 12 months earlier, the new owners were seeking more funds. The overall revenue was $500K per month . The owners were able to obtain $300K. The loan was split into $100K per store on a mix of 24 and 36 month terms. There was no security on the owners' houses was required.
    Owner of a Pizza Store & 2 Liquor Stores
    A designer for interiors had seen an opportunity to expand their business and required working capital to fund this expansion. With a monthly income of $300K, they borrowed $250K over 24 months. The time to turn around for them was only two days and all they needed for them to present was 12 months of bank statements, IRD confirmation, and their trust deed.
    Interior Designer
    A restaurant owner wanted to open a second location and needed funds for the fit out. Their bank was not interested in helping. Their typical monthly earnings was $50K, and they were able to get a loan of $66K over the course of 24 months. The turnaround time was 8 hours.
    Restaurant Owner
    A company coach was seeking to invest in the well-being and beauty company. With just under $12K in monthly revenue, they borrowed $24K over 24 months. The loan required 12 months of bank statements and was done in 8 hours.
    Business Coach

    The lending landscape has changed

    With traditional and bank lenders tightening credit conditions and the constant stream of non-bank and alternative loan providers entering the market offers a great resource for you to access.

    Wiri SME’s are now capable of accessing finance through other lenders in Wiri who are focused on enabling company growth or smoothing out cash flow challenges. In the past, individual credit providers (drawing equity from the house loan, or using credit cards, personal loans and the overdraft) were the only alternative funding services available in Wiri that were around.

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



    High level summary

    Separate personal and business debt

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

    • Your home, or other investmentsaren’t tied in order to access funds
    • The company is in a much better position to establish its own, clear credit history
    • It is much more seamless when it comes to tax time
    • Businesses are able to easily review their cash flow, monitor and plan based on the ability to clearly assess their cash flow position

    Limit your exposure, and make tax times much easier. Get started with an unsecure busines loan. Make an application today.

    For those who like the detail

    Separate personal and business debt


    The main benefit of keeping your business and personal business assets apart is that your home does not have to be tied to allow access to the funds. For a modest business loan in Wiri up to $100K, asset security will not be required as long as the borrower fulfills the loan requirements.

    Credit history

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


    It is important to separate personal from business finances makes it significantly more seamless with regards to tax time, especially when it comes to determining the tax-deductible amount. The IRD has laid out guidelines on the proof required for claiming deductions on an individual’s tax return. This is an area that the IRD has specifically advised on.

    Cash flow

    Effective management of cash flows is vital to the long-term success in any company. By keeping your personal finances and company finances distinct, businesses can easily view how they are performing, monitor and plan on the ability to effectively evaluate their cash flow situation.

    I'm now able make espresso for customers with the very best equipment.
    Cafe Owner
    I'm now able employ a marketer to boost my business to the next stage of business growth.
    Growing Business
    Business loan interest rates and repayment terms, as well as flexible repayment options to suit the needs of your company needs.
    Business Lending Options
    I'm able get my tax back on time.
    Small Business Owner
    Simple loan application procedure with a generous limit on borrowing, no requirements for credit, and there is no requirement to present a business plan. Don't use your personal credit card or company credit cards to finance your company.
    Unsecured Loans Made Simple
    I'm now able take a holiday knowing it is safe knowing that Wiri business will run effortlessly.
    Local Business Owner
    I am now able to fund the construction of our fresh Wiri resturant without having to pull cash from the other restaurants.
    Wiri Resturant Owner
    Business loans, specifically an unsecured unsecured business loan or line of credit for business funding need never be an stressful procedure. Business finance in the form in the form of small business loans at a fixed interest rates and repayment term which is compatible with your company liquidity.
    Business Lenders for Business Goals
    FAQ: business lending & business loans for business owners

    Business Loans Frequently Ask Questions

    Details of The Wiri Small Business Loans

    Tell me more about Wiri Small Business Loans

    Wiri unsecured loans provides the range of $5,000 to $100,000. The terms range between 3 and 24 months and cash flow-friendly repayments which can be made daily or weekly.

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

    The application to your Small Business Loan in under 10 minutes over the phone, receive an instant response and have the funds in your account within 24 hours. Traditional company loans reference an annual rate of interest together with additional fees and charges. We offer a business loan is a loan that is priced upfront therefore you’ll be aware in advance of the total amount payable including any fees, interest or charges. Then, it is divided into weekly or daily amount to be paid back.

    What can be the Small Business Loan be used for?

    The Small Business Loan can be used for nearly every business use, including control of cash flow business remodeling, marketing for purchasing inventory or new equipment, for general working capital, and much more. The loan is not available for personal reasons.

    About the Larger Wiri Business Loans

    What is the Larger Wiri Business Loan?

    The Larger Business Loan is a larger size loan to aid in business expansion opportunities. Loans range from $100,000 to $500,000 for a fixed period of up to 36 months. Repayments are scheduled weekly or fortnightly in order to accommodate your situation.

    How is the Origination Fee calculated?

    It is important to note that the Larger Business Loan has an Origination Fee, calculated at 2.5% of the amount of the loan.

    Do I qualify for the Larger Business Loan?

    To qualify for a loan of this size, your business needs to have been in operation for at least 3 years and generate an annual revenue of $700,000. You must be a New Zealand Citizen (or Permanent Resident) over 18 years and have a New Zealand business (with a valid NZBN/IRD) and be able of proving at least 12 months of trading.

    How can the funding be utilised?

    A Business Loan of a larger size can be used for almost all business use, including company improvements, purchasing inventory or new equipment, as general working capital and much more. The loan is not available for personal purposes.

    Is the Larger Business Loan one that requires security?

    Asset security is required for funding of more than $150,000. It is usually by way of charge on assets, and could include registering this on the PPSR or the registration of a caveat.

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

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

    The caveat can be described as a formal document lodged to provide the public notice of a legal claim to property.

    What is a pre-approval without Credit Check?

    If you’re requesting larger company loans of more than $250,000, we may offer an initial pre-approval to ease the process. It is possible to do this without a credit check and within six hours of your initial application. The pre-approval process is based on an initial assessment that includes you answering some financial well-being questions. This is neither an offer nor a guarantee of finance. Unconditional approval is subject to an assessment of your creditworthiness and any offer that you may receive may be on different terms.

    Application process

    Can I be eligible for funding?

    You can apply for a company loan if you;

    • are a New Zealand Citizen (or Permanent Resident)
    • are over 18 years, have a New Zealand company (with a valid NZBN/IRD)
    • you must demonstrate at minimum 6 months of business (for the unsecured loan $5K – $100K) or 3 years of trading (for the Larger Business Loan $100K up to $500K)

    How do I apply?

    The application process is simple and easy. Complete the online form in few minutes and an experienced company expert in lending will be in touch to guide you.

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

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

    $100K – $250K: Application requirements, including credit consent, 6-12 months of bank statements, IRD statement (if credit is over $150K).
    $250K – $500K: Details of the application, including credit consent, 12 months of bank statements, IRD statement, last 2 years finalised financial statements, plus interim financial statements for the current year, Aged Payables and Aged Receivables reports.

    What speed will I be able to get a decision?

    For an unsecured loan ($5K or more) we can often offer an answer within one hour if you apply in standard company timings and allow us to utilise the bank verification system to instantly verify your bank information online. If you choose to upload copies of your bank statement, we’ll provide the decision within just the span of one company day.

    For the Larger Business Loan ($100K or more) we may be able to offer you with conditional pre-approval in around six hours. Once you’ve signed the pre-approval, the turnaround time is between 2 and 3 days for the final approval. However, this can be quicker based on the particular circumstances of each application. Certain transactions have received approval within the space of 24 hours.

    The quickest method is to ensure you apply during normal business hours and let us use the modern bank verification link to instantly check your bank’s information online. If you choose to send us copies of your bank statements it may take a bit longer.

    How soon will I receive the cash?

    For the Small Business Loan ($5K up to $100,000) we usually offer an answer within an hour – provided you apply at standard business times and permit us to make use of the advanced bank verification system to instantly verify your bank’s information online. If you decide to upload copies of your bank statements we can offer the decision in just an business day.

    If you are applying for Larger Business Loans ($100K or more) we might be in a position to offer you with pre-approval conditional to your application in around 6 hours. After you’ve signed the pre-approval, turnaround times are approximately 2-3 days to receive final approval. However, it could be faster based on the specifics of each application. Some agreements have been approved in just 24 hours.

    The quickest method is to make sure you apply during normal business hours, and allow us to use the sophisticated bank verification to verify your bank information online. If you choose to upload documents from your account statement, it takes a bit longer.

    What’s the minimum amount I can borrow?

    We provide loans that range from $5,000 to $500,000. When you submit an application for a certain amount we look at a variety of variables for determining what is the well-being of your company as well as the amount of the repayments your company will be able to support. The total amount of the loan will be determined by the specific circumstances that are unique to your company.

    When you make an application for a certain amount, we take into consideration a variety of variables to determine your well-being of the company and the amount of repayments that your business can afford. The amount you receive from your loan will be determined by the specific circumstances of your business.

    Fees & repayments

    How much should you charge for an company loan?

    If you decide to apply for business loans with us business financing, we will assess the risk assessment the company and offer you with a tailored offer including the amount of loan, the term and interest rates. It is a business loan is an upfront cost loan which means you know in advance the total amount you will have to pay, including costs, fees, or interest rates.

    What determines the amount I am charged?

    Business loan interest rates depend on a variety of factors including the amount borrowed, what business assets the funds will be used for in addition to the industry that the company is operating in, how long the business has been in operation as well as in the event that the company has enough cash flow to support the loan, and general health as well as creditworthiness business.

    What are the cost?

    There are no hidden costs with our company loans. You’ll know exactly how much you’ll be required to pay and when, right from the first day. There’s no compounding and there are no additional charges (as long as you are able to make your payments on time).

    We do not charge an application fee. You can make an application for loans with no upfront cost or commitment to apply.

    The Origination Fee includes the expenses associated with setting up and managing the loan. This is only a fee if you choose to proceed with the loan. The Origination Fee for us is 2.5 percentage of the loan amount.

    Can I repay the loan earlier?

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

    If you are deciding to take this route, please speak to our friendly company loans experts. They’ll offer you with details on repayment as well as an early payout amount. This is calculated as the total of the principal remaining plus any accrued interest as of the date of early payout and 1.5% of the principal amount remaining and any outstanding fees.

    How do you make repayments work?

    In order to help you avoid missing payments and to work your cash flow cycle we provide payments that are either daily or weekly. These are automatically deducted from your company account.

    Security & privacy

    Will my information be secure?

    Making sure that your information is secure, and being transparent about the ways we gather, use, exchange and protect your information, is crucial and is an essential element of our relationship with you.

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

    Yes. We make use of industry-standard encryption standards to protect your sensitive, personal as well as financial data. Our funders are ISO 27001 qualified for our commitment to customer security and privacy. We use an advanced bank verification system link to immediately confirm your bank account information online, allowing us to provide rapid response.

    About business loans

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

    An asset-based loan is when a company owner borrows from an asset they own to make the loan. The asset may be an individual asset, such as 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 make loans secured by assets. If you are having difficulty paying back the loan, then the asset could be offered for sale by the lender. In essence, it’s the process of securing new funding making use of the value of what you already own.

    What do I need security for a business loan?

    For loans of up to $150,000, there is no requirement for asset security prior to the loan’s access however, we do need a personal guarantee. As long as you follow the loan terms (as stipulated in the loan contract), asset security will never be needed. For loans over $150K generally, you can get personal ensure and security in the form a charge over assets.

    Industries we currently aren't able to help with

    • Anything adult industry related
    • Auction websites & auction houses
    • Debt collection companies & debt purchasers
    • Direct marketers including telemarketing, fundraising, mail order, direct-mail etc
    • Finance lenders & institutions
    • {Firearm dealers
    • Foreign currency exchange services
    • Customs clearing houses & freight forwarding
    • Gambling related industries
    • Non-profit organisationsincluding charities and churches etc.
    • Smash repairers & panel beaters
    • Pawn shops or pawnbrokers
    • Property development
    • Stockbrokers, shares andinvesment businesses
    • Tattoo palours
    • Taxi and ride sharing services
    • Ticket resellers and entertainment sales
    • Vehicle towing services
    • Secondhand automotive dealers
    • Car glass tintingservices
    • Automotive dismantlers

    Although we can’t help with an unsecure business loan in those industries, we might be able to help you with the 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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