Ways to get business cash
Business cash loans and working capital, straight up
Cash loans, working capital, unsecured and low doc loans, lines of credit and property-backed cash — what each one is, how fast it can land and who it really suits.
Business cash loan
A business cash loan gives a New Zealand company fast money for stock, wages, GST or a gap in takings. See typical amounts, how fast it lands and what is asked.
Read more →Quick business cash
How fast can a NZ business get cash? What makes same-day funding possible, what slows it down and how to prepare so the money lands when you need it.
Read more →Short-term business loan
A short-term business loan covers a gap measured in weeks or months. See when it fits, how repayment is matched to your cash cycle and what to compare first.
Read more →Unsecured business loan
Unsecured business loans in NZ: typical amounts from $5k to $500k, what lenders read in your account, the guarantee question and how fast cash can land.
Read more →Working capital loan
A working capital loan funds the everyday running of a NZ business while cash is tied up in stock and unpaid invoices. Sizing, speed and when it fits.
Read more →Cash flow loan
A cash flow loan is sized on the money moving through your business account, not property. How lenders size it and how to keep repayments comfortable.
Read more →Cash advance alternative
Daily debits draining your account? How merchant cash advances work, what to compare and the alternatives that spread repayment more gently for NZ businesses.
Read more →Emergency business cash
A breakdown, a lost customer or a sudden bill can threaten a trading week. What to do in the first 24 hours and how emergency business cash really works in NZ.
Read more →Property-backed cash
Borrow $20k to $5m against residential or commercial property in NZ. How equity-based business funding works, how fast it can be and what to weigh up first.
Read more →Business cash line
A business cash line gives NZ firms a limit to draw on, repay and reuse. See how it works, what it suits, how it differs from a loan and what to check.
Read more →Bad credit business loan
Turned down by the bank because of credit? How NZ business lenders weigh past defaults and IRD debt, what helps your case and the options still open to you.
Read more →Low doc business loan
No up-to-date financials? How low doc business loans work in NZ, what you still need to provide, the trade-offs and who they suit.
Read more →New business loan
Trading under two years? How lenders view a young NZ business, what evidence helps, and which funding paths still open up without a long history.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
No spray-and-pray
A real person on the phone