Line of credit
A flexible limit you draw on as you need it and pay interest on what you use.
Fast Business Loans NZ
Business loans made fast and simple
- No credit check to enquire
- $5k – $500k unsecured, up to $5m secured
- A real person calls you
60-second enquiry. Takes under a minute.
Do you own property?
It helps us show you the right options.
No credit check to enquire
No spray-and-pray
A real person on your file
What it's for
Whatever the cash is needed for
Tell us what's happening in the business and we'll point you at the option that fits.
Wages this weekCover payroll when the money in is behind the money out. Cash flowBridge the gap between bills going out and customers paying. An Inland Revenue billGST, PAYE or provisional tax due before the cash is. Stock or materialsBuy now while the supplier deal or the job is on the table. Equipment or a vehicleGet the ute, machine or gear that earns its keep. A property settlementSettle on time when funds are tied up elsewhere. Overdue bills and debtsClear what's overdue and stop the pressure building. Consolidate loans and debtsRoll overdue debts or other loans into one repayment.
Your options
Four fast ways to fund the business
Which ones are open to you depends mostly on whether you own property. The form asks, then shows the right choices.
Unsecured loan
No property needed. Typically $5,000 to $500,000, sized on your turnover and bank statements. Same-day funding possible for smaller unsecured amounts.
Fast second mortgage
Own property? Use the equity for bigger amounts, faster. $20k to $250k possible same day (property-secured).
Cash flow loan
Short-term working capital sized to the business you actually run, repaid from trading.
How it works
Three steps. No runaround.
- 1
Answer a few quick questions
It takes about a minute. What you need, how much, and whether you own property.
- 2
A real person reads it and calls you
Not a call centre, and not a broadcast to a dozen lenders.
- 3
You choose, then we move fast
You see the options and the trade-offs. Documents only once you decide.
Quick answers
Before you apply
Will this affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up if you choose an option and decide to go ahead.
How fast can I get the money?
Same-day funding possible for smaller unsecured amounts. $20k to $250k possible same day (property-secured). Possible, not promised. Having recent bank statements and ID ready is the biggest factor.
How much can I borrow?
Unsecured and cash-flow options typically range from $5,000 to $500,000. Property-secured options range from $20,000 to $5,000,000.
Can I apply with bad credit or IRD debt?
Both are considered case by case. Tell us the real picture in the form and the right person will call with the options that fit.
Is this for personal loans?
No. Business purposes only.