Get fast, easy access to funding.

Perfect for short-term cash-flow needs. Unsecured small business loans up to $150,000 over 6-24 months, funded within 24 hours.

Non-Bank Asset Finance.

Borrow up to $250,000 to purchase vehicles, machinery, or equipment. Flexible terms with 7 years to pay and rates from 6.99% p.a.

Finance Calculators

Asset Finance

$10,000 Select Amount $250,0000
12 Months Select Term 7 years
Your weekly repayments are* $95.27 *View Disclaimer

Weekly payments are approximate and for demonstration purposes only. They have been calculated at 8.99%, exclusive of fees and any optional or required insurances. A comprehensive quote will be provided at time of approval.

Working Capital

$10,000 Select Amount $150,0000
6 months Select Term 12 months
Your weekly repayments are* $95.27 *View Disclaimer

Weekly payments are approximate and for demonstration purposes only. They have been calculated at 2% interest on advance each month (e.g: $50,000 loan over 12 months has $12,000 interest in total - 2% of advance each month is the interest cost), inclusive of fees but excluding any optional or required insurances. A comprehensive quote will be provided at time of approval.

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What type of loans do you provide?

Small business loans up to $150,000 over 6-24 months. The approved loan amount is determined by cash-flow.

Asset Finance up to $250,000 for vehicles, machinery, plant or equipment. Security taken over the asset being purchase. Rates from 6.99%. Terms to suit.

What is your credit criteria?

Minimum trading history of 12 months and sales of $10,000 per month. The small business loans are unsecured, however Director guarantees are required. To assess the loan we need 6 months bank statements to assess

Who do you lend to?

You need to be a registered NZ Business with a NZBN and registered with the IRD for GST. 18 years of Age and a Resident of Citizen of NZ

What are your fees?

Fees range from 2% to 4% of the loan amount - added to the loan.

What are your interest rates?

Small business loans range from 2% to 3% per month depending on the quality of the application. Asset Finance starts at 6.99% to 17.95%.

What is the loan term?

Up to 24 months for the unsecured Small business loans with option to redraw after 6 months and up to 7 years for assest purchases. This is dependant on the type of asset being purchased.

What is the application process?

Simply complete the short form and we will phone you to finalise the application. This process takes a couple of minutes. We will then email you with what supporting documents are needed, such as Bank Statements and details of any IRD debt (arrangement). Once received, approval takes approximately 60 minutes with funding paid overnight once digital contracts are signed.

What if I have bad credit?

Small Business loans are unsecured so a reasonable credit rating is required, however we are more flexible for asset lending given the loans are secured.

What insurance do I need?

Any asset being purchased will need to be insured.

What is a GSA?

A GSA (General Security Agreement) may be required for a working capital loan. This is dependant on the strength of the business and amount of the loan. This document gives us security over your business so in the event of default we can appoint a Receiver.

Do I need additional security?

No further security is required for a Working Capital loan and where Asset Finance we simply take security over the asset being purchase.

Do all Directors need to be on the loan?


Do I need to be a home owner?


Small business lending specialist

We think outside the box and focus on the positives to customise and deliver the funding that you need.

Working Capital

• From $10,000 to $100,000
• Terms from 6 to 12 months
• Redraw options
• GSA or Unsecured Any business purpose, including Creditors, IRD debt, Stock, Cashflow, Tech Upgrade, Consultants, Marketing, Renovations, Legal bills, or Expansion. The choice is yours.

Asset Finance

• From $10,000 to $250,000
• Terms up to 7 years
• Top-up Options
• Security over Asset Any business asset purchase Including plant and equipment, vehicles, heavy machinery, buying a franchise


Apply online in less than 60 seconds.


Send us 6 months Bank statements.


Once approved, loan contracts can be signed digitally on any device, including mobile


Loan funded overnight.

Flexible Criteria.
Fast Approvals.

  • No security needed for loans under $100,000.
  • All situations and credit types are considered as long as your business can afford the repayments.
  • Funding is possible within 24 hours.

No Financials
for Working Capital.

  • Apply Online with our 60 Second Application.
  • No Financials Required. We only require bank statements for the business, and ID of each Director.
  • Deal with Kiwi’s who understand your business

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