By situation
Which fast option fits your situation?
Start with the problem, not the product. Ten common New Zealand cash crunches and the fast options that tend to suit each one — and the ones that usually don't.
Start with the problem
Products are easier to sell than situations, which is why most finance sites start with the product. We think it works better the other way round. Tell us what has actually happened — a tax bill, a broken machine, a contract you can't afford to turn down — and the right shortlist usually picks itself.
Each page below walks through one common New Zealand cash crunch: the options that tend to fit, the ones that usually don't, a worked illustrative example and what to have ready before you apply.
Skip the reading and see what you qualify for — or use the fast funding comparer to get a ranked shortlist.
| Situation | Look at first | Often a poor fit |
|---|---|---|
| Inland Revenue debt | Instalment arrangement, or a secured loan to clear it | Stacking short unsecured loans |
| Payroll due this week | Line of credit, small unsecured loan | Long-term debt for a one-off gap |
| Stock or materials up front | Short-term or unsecured loan, trade terms | Equipment finance |
| Settlement deadline on property | Property-secured bridging-style loan | Unsecured lending |
| Customers paying late | Invoice finance, line of credit | Merchant cash advance |
| Bank has declined you | Private or non-bank lender, secured if possible | Reapplying at several banks at once |
Situations: all pages
10 plain-English pages, each answering one question properly.
Paying IRD debt fast
Behind on GST, PAYE or provisional tax? Fast options to deal with IRD debt in NZ ranked — instalment arrangements, secured loans and what to avoid.
Read more →Covering payroll
Payroll due and cash is short? Fast funding options to cover wages in NZ compared — lines of credit, short unsecured loans, invoice finance and what to avoid.
Read more →Buying stock fast
Need cash to buy stock or materials quickly in NZ? Short-term loans, lines of credit, trade terms and secured options compared for bulk buys and peak season.
Read more →Equipment breakdowns
A key machine, vehicle or oven has failed. Fast NZ options to fund a repair or replacement compared — equipment finance, unsecured loans, cash advances, hire.
Read more →Settlement deadlines
Business property settlement looming and bank finance delayed? Fast NZ bridging options compared — private first mortgages, second mortgages and caveats.
Read more →Funding a big contract
Won a contract bigger than your cash flow? Fast NZ options to fund materials, staff and equipment before the first payment, while protecting your margin.
Read more →Bank declined you
Business loan declined by your bank? Find out why, which fast non-bank options still fit, what to fix, and how to avoid making your credit file worse in NZ.
Read more →Late-paying customers
Customers paying late and cash is tight? Fast NZ options compared — invoice finance, lines of credit, short loans — plus habits that shrink the gap.
Read more →Seasonal dips
Seasonal NZ business facing the quiet months? Fast funding compared — lines of credit, seasonal loans and secured options, with repayments set for the peak.
Read more →Buying out a partner
Need to buy out a business partner or shareholder in NZ by a set date? Fast funding options compared — property-secured loans, vendor terms and refinancing.
Read more →See what your business could qualify for
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