Comparisons
Fast funding compared, head to head
Two options, one decision. Side-by-side breakdowns of the fast funding choices New Zealand owners weigh up most, with the trade-offs laid out plainly.
How to use a head-to-head comparison
Most owners don't choose between ten products. They choose between two. A line of credit or a short-term loan. A second mortgage or a caveat. An Inland Revenue instalment arrangement or a loan to clear the debt. These pages put the two front-runners next to each other and score them on the five things that actually decide it.
Read the verdict box first, then check the table against your own numbers. If one option wins on speed but loses badly on total cost, that's a decision only you can make — but you should make it with the trade-off in plain sight.
Skip the reading and see what you qualify for — or use the fast funding comparer to get a ranked shortlist.
| What we score | Why it matters |
|---|---|
| Speed to funds | How quickly the money can realistically land, assuming you have documents ready |
| Total cost in dollars | Fees plus interest over the term you'll actually hold it — not a headline number |
| Security asked for | Property, assets, invoices or a personal guarantee, and what's at risk if things go wrong |
| Paperwork | What you'll need to produce, and how long that usually takes a small business |
| Flexibility and exit | Early repayment, redraws, and how you get out the other side |
Head-to-head: all pages
12 plain-English pages, each answering one question properly.
Secured vs unsecured
Secured vs unsecured business loans in NZ compared on speed, size, cost, paperwork and risk — with a simple way to decide which suits your situation.
Read more →Line of credit vs short-term loan
Line of credit vs short-term business loan in NZ: how each works, when each is cheaper, how fast they are and a simple test to pick the right one.
Read more →Invoice finance vs line of credit
Invoice finance vs business line of credit in NZ: how each is sized, which grows with sales, setup speed, costs and which suits slow-paying customers.
Read more →Cash advance vs unsecured loan
Merchant cash advance vs unsecured business loan in NZ: how repayments work, how to compare the true dollar cost, speed, flexibility and who each one suits.
Read more →Bank vs private lender
Bank vs private business lender in NZ compared: speed, cost, paperwork, credit flexibility and exits — and how to use both without overpaying.
Read more →First vs second mortgage
First vs second mortgage for a NZ business loan: cost, speed, how much you can borrow, bank consent and when refinancing the whole property makes more sense.
Read more →Caveat vs second mortgage
Caveat loan vs second mortgage in NZ: how each protects the lender, which is faster, which costs less, and how to tell if your deadline justifies a caveat.
Read more →Equipment finance vs unsecured
Equipment finance vs unsecured business loan in NZ: cost, speed, security, PPSR, Investment Boost and when splitting the purchase between both is smartest.
Read more →IRD arrangement vs loan
Inland Revenue instalment arrangement vs a business loan to clear tax debt in NZ: cost, speed, penalties, enforcement risk and when each one makes more sense.
Read more →Overdraft vs line of credit
Business overdraft vs line of credit in NZ: how each works, which is quicker to get, costs, security, review risk and which suits your cash cycle best.
Read more →Low-doc vs full-doc
Low-doc vs full-doc business loans in NZ compared: speed, cost, how much you can borrow and when finishing your accounts first saves you real money.
Read more →Speed vs cost
Fast vs cheap business funding in NZ: a simple way to put a dollar value on waiting, compare it with the extra cost of speed and choose with your eyes open.
Read more →See what your business could qualify for
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