Business Loans Made Simple
Get the funding your business needs with fast approval and competitive rates. Compare NZ's top lenders in one place.
Why Choose SMELoans?
We make business financing simple, fast, and transparent
Fast Approval
Get approved within 24 hours with minimal paperwork
Flexible Terms
Choose from 3 months to 5 years with competitive rates
Any Purpose
Use funds for growth, equipment, or working capital
Expert Support
24/7 local NZ-based customer service team
Find Your Perfect Loan
Compare different loan types and choose what works best for you
Quick Business Loans
Get funded in as little as 24 hours
Up to $500,000
- Simple online application
- Fast approval process
- Minimal documentation
- Flexible repayment terms
Equipment Finance
Fund your business equipment needs
Up to $1,000,000
- New & used equipment
- Competitive rates
- Tax benefits available
- Tailored payment plans
Working Capital
Keep your business running smoothly
Up to $250,000
- Cover operational costs
- Manage cash flow gaps
- Seasonal funding
- Flexible credit facility
Calculate Your Repayments
Use our loan calculator to estimate your monthly payments
Business Loan Calculator
Estimate your loan repayments and find the right financing option
What Our Customers Say
Don't just take our word for it
"The loan process was incredibly smooth. We got the funding we needed to expand our business within days."
"SMELoans helped us find the perfect equipment finance solution. Their comparison tool saved us thousands."
Frequently Asked Questions
Everything you need to know about our business loans
- How much can I borrow?
- Our business loans range from $5,000 to $500,000, depending on your business circumstances and requirements.
- How long does approval take?
- Most applications are approved within 24 hours, with funds available in your account within 1-2 business days.
- What documents do I need?
- Generally, you'll need 6 months of bank statements, basic business information, and ID. Additional documents may be required based on loan type and amount.
- Do I need security?
- We offer both secured and unsecured business loans. Secured loans typically offer better rates, while unsecured loans provide more flexibility.