Take your business further with a fast small business loan
Borrow $5,000 – $500,000 with fast approval and flexible repayments. Designed for NZ small business owners.
How do SME loans work?
Fast Decision
Get a fast decision based on your business performance.
Flexible Use
Use funds for cash flow, expansion, or emergencies.
Simple Repayments
Repay on flexible terms with daily or weekly options.
No Hidden Fees
No hidden fees – repay early to save interest.
Calculate your loan
See how much you could borrow and what your repayments might be
Estimated weekly repayment
$2,307
Sample calculation using an illustrative monthly factor rate. Your actual rate is set by the lender at quote stage.
Are you eligible?
We lend to:
- NZ-registered businesses (Ltd, sole trader, partnerships)
- Trading for at least 6 months (some exceptions)
- Demonstrable monthly revenue
- Directors aged 18+
Why choose a business loan?
Improve cash flow
Fund growth & expansion
Build your credit profile
Invest in equipment, marketing or inventory
Things to consider before applying
Missed payments affect your credit
Loans involve interest
Repayments are regular – plan your cash flow
Have a clear plan for how to use the funds
Alternatives to SME Loans
A flexible line of credit attached to your business bank account. Draw funds as needed and only pay interest on what you use.
Specific funding for business equipment purchases. The equipment serves as security, often resulting in better rates.
Convert unpaid invoices into immediate cash. Receive up to 90% of invoice value upfront, with the remainder (minus fees) paid when your customer settles.
Funding based on your future card sales. Repayments are taken as a percentage of daily card transactions, making them proportional to your revenue.
Ongoing access to funds up to a set limit. Similar to an overdraft but not tied to your bank account. Draw funds as needed and repay on flexible terms.
Common questions about SME loans
Our business loans range from $5,000 to $500,000, depending on your business circumstances and requirements.
Most of our loans are unsecured, meaning you don't need to provide assets as security. However, secured options are available and may offer better rates.
Yes, you can repay your loan early at any time with no early repayment fees. This can help you save on interest costs.
We perform a soft credit check during the initial application, which doesn't affect your credit score. A hard credit check is only performed if you proceed with a formal application.
Typically, we need 6 months of bank statements, basic business information, and ID. Additional documents may be required based on loan type and amount.
Ready to grow your business?
Apply now and get a decision within 24 hours. Funds can be in your account as soon as tomorrow.