The alternatives
Every alternative, explained without the sales pitch
If a bank loan isn't working for your business, there are sixteen or so realistic alternatives in New Zealand. Each page below explains one: what it is, who it suits, the trade-offs, how fast it is and what you'll need, and where our property-secured loans, unsecured loans and lines of credit fit.
Instead of…
Already using, or being pushed towards, a particular kind of funding? Here's what else is out there, and when to stick with what you've got.
- 01Alternatives to a bank loanThe big picture: anyone the bank has declined, delayed or offered poor terms.
- 02Alternatives to an overdraftDay-to-day cash flow: businesses whose overdraft was reduced, declined or is always maxed.
- 03Alternatives to business credit cardsPlastic isn't a plan: owners carrying card balances month to month.
- 04Alternatives to business BNPLPay later, pay how?: businesses juggling several pay-later plans.
- 05Alternatives to invoice factoringCash tied up in invoices: b2b businesses waiting on customers who want a simpler or more private option.
- 06Alternatives to asset financeBuying the kit: purchases that don't fit neatly into standard asset finance.
- 07Alternatives to giving away sharesKeep the cap table: profitable or steady businesses that want growth without dilution.
- 08Alternatives to selling assetsKeep what earns: owners tempted to sell productive assets under time pressure.
- 09Alternatives to borrowing from familyKeeping Christmas dinner civil: owners who'd rather not mix family and business money.
Non-bank lending, explained
The lending we arrange, and the wider non-bank market it sits in.
- 10Non-bank business loansOutside the big banks: businesses that need a faster or more flexible decision than a bank offers.
- 11Private lender business loansProperty-backed, judgement-led: owners with property equity who need a fast, flexible decision.
- 12Second-mortgage business fundingReleasing equity without refinancing: owners with equity who don't want to disturb their existing home loan.
- 13Unsecured alternative lendingNo property required: businesses trading 6+ months with steady deposits.
- 14Business line of creditDraw, repay, draw again: recurring, uneven cash flow needs.
Situations
When the problem is the bank's timing or a debt that won't wait.
Prefer a table?
The alternatives matrix puts all sixteen options side by side: speed, security, paperwork, ownership, who each suits and what to watch for.
Not sure where to start?
Answer four questions in the alternative finder for a short, honest reading list, including when an alternative lender isn't the right answer.