How It Works

Simple by design

Just Business Credit exists for one reason: to make business funding in New Zealand feel easy. Instead of booking a bank appointment and filling in pages of forms, you answer a handful of quick questions online. A real person then reviews your situation and matches you with the funding pathway most likely to get you a fast yes.

Step 1 — the 60-second form

Tell us what the money is for, roughly how much you need, whether you own property and how your credit looks. There is nothing to upload at this stage and checking your options does not affect your credit score.

Step 2 — a quick conversation

Someone who knows business lending gets in touch, usually by phone or text, to fill in the gaps. This is where we work out the best route: a property-backed no doc loan, or a low doc unsecured loan based on your bank statements.

Step 3 — your options, then funding

You get clear options from our network of private and specialist lenders. Choose the one that suits, supply the short list of documents needed, and funds can move fast — property-backed loans can settle within 24 hours of approval.

The two pathways

	Property-backed (no doc)	Unsecured (low doc)
Amount	NZ$20k – NZ$1M	Based on turnover
Paperwork	ID, property and loan details, exit plan	Business bank statements
Credit history	Bad credit and IRD arrears considered	Weaker credit considered
Trading history	New businesses can apply	Usually 6+ months
Speed	As little as 24 hours after approval	Often a day or two, sometimes same day

Who we help

Small and medium businesses right across Aotearoa — from Auckland cafés and Waikato contractors to Christchurch retailers, Queenstown tourism operators and Southland farmers. Sole traders, partnerships, companies and trusts are all welcome.

What we don't do

We don't do personal loans, consumer finance or home loans for owner-occupiers. Every loan we help arrange is for a genuine business purpose.

Ready when you are — see your options in about 60 seconds.