Business credit, just sorted.
Tell us what you need in about 60 seconds. We find the simplest way to fund it — low doc, no doc and bad credit all welcome.
- Won't affect your credit score
- No cost to enquire
- Bad credit considered
Just three steps. No bank hoops.
Banks make you jump. We make it quick. Here's the whole process — no appointments, no 30-page forms.
Tap through the form
About 60 seconds. What you need, roughly how much, and whether you own property. No uploads to start.
Chat with a real person
Someone who knows business lending calls or texts you back quickly to understand your situation.
Get sorted
You get clear options and the fastest path to funding. Property-backed loans can fund within 24 hours of approval.
Own property? No property? Both work.
The no doc route
Use equity in a home, rental, commercial building or land — even with a mortgage already on it.
- NZ$20k to NZ$1M
- No financials or tax returns needed
- Credit hiccups and IRD arrears considered
- Funding possible within 24 hours of approval
The low doc route
Unsecured cash-flow funding based mostly on your business bank statements.
- Usually 6+ months trading
- Bank statements, not a mountain of paperwork
- Weaker credit considered
- Fast decisions — sometimes same day
Find your funding in about 60 seconds
A few quick taps, then a real person gets back to you with your options. Simple as.
- Checking won't touch your credit score
- No cost, no obligation
- Sole traders, companies and trusts welcome
- Anywhere from Kaitaia to Bluff
Whatever you need, we've got a guide for it
Plain-English guides to every kind of business funding in New Zealand.
Cafés, tradies, growers, makers — all welcome
Quick answers
Will checking my options affect my credit score?
No. Filling in the form is an enquiry, not a credit application, so it does not leave a mark on your credit file. A credit check only happens later, with your say-so, if you decide to go ahead with a lender.
Can I get a business loan in NZ with bad credit?
Often, yes. With a property-backed loan, the equity in your property matters far more than your credit history, so defaults, arrears and IRD debt are considered case by case. Unsecured options can also consider weaker credit if your cash flow is healthy.
What does no doc actually mean?
No doc means you do not need to supply financial statements, tax returns or cash-flow records. It applies to our property-backed loans, where the security does the heavy lifting. You still need ID, property details and a clear plan for repaying the loan.
How much can I borrow?
Property-backed business loans range from NZ$20,000 to NZ$1 million, depending on your equity, the purpose and your exit plan. Unsecured loan sizes are based on your turnover and cash flow, so the amount varies from business to business.
How fast can I get the money?
Property-backed loans can fund in as little as 24 hours after approval, depending on documents and legal work. Unsecured low doc loans are often decided within a day or two, and sometimes on the same day.
Do I need to own property?
No. If you own property you can use the no doc route, which suits larger amounts and bumpy credit. If you do not, the low doc unsecured route works off your business bank statements, usually once you have been trading for at least six months.
Your business deserves an easy yes-or-no.
Sixty seconds, a few taps, zero paperwork to start. Let's see what's possible.
Check my options