Would You Be Ready If The Perfect Business Opportunity Knocked On Your Door Today?
What if your biggest competitor closed down tomorrow? Or a major contract became available?
Smart New Zealand business owners with $20k+ monthly revenue are securing flexible lines of credit to ensure they never miss out on growth opportunities again.
Picture This Scenario...
It's Tuesday morning. Your phone rings. A major client wants to triple their order, but they need it delivered in 30 days. Your competitor just went out of business and referred all their customers to you. A prime commercial property just came on the market at 20% below market value.
The question is: Do you have the cash flow to seize these opportunities, or do you have to watch them slip away while you wait weeks for traditional bank approval?
Why Smart NZ Business Owners Choose a Line of Credit Over Traditional Loans
Unlike a traditional business loan that gives you a lump sum upfront (whether you need it all or not), a line of credit works like a business credit card with a much higher limit and better rates.
Do You Qualify? (Most NZ Businesses Do)
- At least 9 months of trading history
- Minimum $20,000 monthly revenue
- Active NZBN registration
- Credit score above 300 (defaults accepted)
- IRD debt considered case-by-case
Check If Your Business Qualifies for Up to $300,000
Select Your Business Type To Get Started
Real-World Examples: How NZ Businesses Use Their Line of Credit
Manufacturing Company in Auckland: Used their $150k line of credit to purchase raw materials when their supplier offered a 25% bulk discount. Saved $37,500 and repaid the drawdown in 6 weeks with early repayment discounts.
Construction Business in Wellington: Drew down $80k to cover payroll when a major client delayed payment by 8 weeks. Kept their team employed and maintained their reputation, then repaid when the client finally paid.
Retail Chain in Christchurch: Accessed $200k to secure prime retail space when their competitor's lease expired. The location increased their revenue by 40% within 3 months.
How It Works: Simple as 1-2-3
- Get Approved: Complete our simple application and get approved for your credit limit in as little as 3 hours.
- Access Your Bizcap Portal: Manage your account online, request drawdowns instantly, and track your repayments through Bizcap's secure platform.
- Draw What You Need: Access funds from $100 to your full limit whenever opportunities or challenges arise through your Bizcap account.
Businesses Across New Zealand Are Already Approved
Select Your Region to Get Started
Why Thousands of NZ Businesses Choose Bizcap Line of Credit Through SMELoans
- New Zealand's Most Open-Minded Lender: Bizcap approves businesses that banks often reject, including those with defaults and IRD debt.
- Lightning-Fast Access: Set up in 3 hours through our partner Bizcap, then instant access to funds whenever you need them through your online portal.
- Flexible Repayment Terms: Choose daily or weekly repayments that match your cash flow, with massive early repayment discounts.
- No Hidden Surprises: Transparent pricing with a simple $35 weekly service fee and clear establishment fees.
- Expert SMELoans Support: Get our local NZ expertise combined with Bizcap's flexible lending solutions for the best of both worlds.
