How it works
From first enquiry to funds, in five steps
You make a free 60-second enquiry, a lending specialist calls to understand the business and the need, we match you with suitable lending partners from our panel, you review the offer with your lawyer, and the loan settles. Nothing affects your credit score until you choose to proceed.
- 1
A 60-second enquiry
Tell us what you need, what it's for, and whether there's property involved. No documents yet. Enquiring doesn't affect your credit score.
- 2
A call from a lending specialist
A real conversation about the business, the purpose, the timing and your exit. If an alternative lender isn't the right answer, you'll hear that here.
- 3
Matching to lending partners
We match your situation to the right product and lending partner: a property-secured loan, an unsecured loan or a line of credit. For property loans, no financials or tax returns are needed for the initial assessment. For unsecured, recent bank statements do most of the work.
- 4
The offer, and your lawyer
You receive a written offer setting out the full cost, security and conditions. Review it with your lawyer; for property-secured loans, independent legal advice is part of the process. Our guide to reading a loan offer helps.
- 5
Settlement
Once conditions are met and documents signed, funds are paid. Unsecured decisions are sometimes same-day; property-secured loans can be funded within 24 hours of approval in some cases.
What we arrange
- Property-secured business loans: $20,000 to $1m, first or second mortgage, on property you or a supporting party already own in New Zealand.
- Unsecured business loans: usually for businesses trading 6+ months, sized on turnover.
- Business lines of credit: a limit to draw and repay as needed.
Business purposes only. Sole traders, companies, partnerships and trusts can apply.
How pricing works
Why we never quote a rate before we know you
Alternative lending isn't a commodity. The same loan amount can be priced very differently depending on the security, the purpose, the business's track record and how the loan will be repaid. A rate quoted before those are known is either a guess or a hook.
Every loan we arrange is priced on the client's individual circumstances. Our job is to find the sharpest option available for that situation, and to make the full cost clear in writing before you commit.
What we check
What lenders will want to know
- The amount and the purpose
- Your business structure and NZBN
- For property loans: the property, its value and existing mortgage
- For unsecured loans: recent business bank statements
- How the loan will be repaid or refinanced
- Anything on your credit file, disclosed upfront
Full details in our pre-application checklist.
Process questions
How long does the whole process take?
It depends on the product. Unsecured decisions are sometimes made the same day. Property-secured loans involve a valuation where needed, legal documents and registration, and funding within 24 hours of approval is possible in some cases. Your lending specialist will give you a realistic timeline for your situation on the first call.
Do I have to accept an offer?
No. Enquiring is free and there's no obligation at any stage until you sign loan documents.
Who will call me?
A lending specialist. They'll ask about the business, the purpose and any property involved, and talk through the options honestly, including whether a bank or another type of funding would suit you better.
Prefer to talk first? Call 03 667 4222.