About us
About Instant Business Funder
When a New Zealand business needs money quickly, two questions matter most: how much, and by when. We answer both before anything else.
Nobody goes looking for business funding on a quiet Tuesday with nothing going on. People come to us when IRD has sent a final notice, when a digger has to be on site by Monday, when a business purchase settles in ten days, or when a contract starts before the first claim can be paid. In those moments, a long list of options isn't much help. What helps is a straight answer about what can realistically settle in time, and exactly what it will take.
That's the job Instant Business Funder does for businesses across New Zealand. We take the amount and the deadline, look at what you can offer as security and what paperwork is ready, and work out the route most likely to get there: unsecured funding sized on your bank statements for smaller sums, or a loan secured over residential or commercial property when the amount or the timing is bigger.
How we use the word "fast"
Speed claims are easy to make and easy to get wrong, so we keep ours precise. Same-day funding is possible for smaller unsecured amounts. With property security, $20k to $250k is possible same day, and up to $5m is possible within 24–48 hours. Those timelines are possible once a file is complete. If yours isn't yet, we'll tell you which steps are left, from a trustee signature to a payout figure from your bank, and roughly how long each will take.
What we can help arrange
- Unsecured, cash flow and revolving credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
- Property-backed business loans from $20,000 to $5,000,000 (first and second mortgages, and caveat-style security over residential or commercial property).
- Past credit issues and IRD arrears considered case by case.
- Business purposes only.
Our promises
No credit check to ask
Finding out what's possible doesn't touch your credit file. A credit check only comes up once you choose to go ahead.
No spray-and-pray
Your enquiry isn't fired off to a stack of lenders. One person works out the fastest route that fits and talks you through it.
A real person, quickly
Someone who knows business lending reads your enquiry and calls you. Accurate answers on the form mean the first option is one that can actually happen.
How this site is written
Each page explains one route or situation in plain New Zealand English: who it suits, what lenders check, how quickly it can realistically settle and what can slow it down. We don't publish interest rates, because business loans are priced on each business's circumstances and a headline figure would mislead most readers. The examples are illustrative, using made-up businesses and round numbers. Where a page depends on official rules, we link to sources such as Inland Revenue, Land Information New Zealand, the Companies Office and business.govt.nz.
Nothing here is financial, tax or legal advice. It's general information to help you understand your options before you speak to a lender, your accountant or a lawyer.
Who we are
Instant Business Funder is operated by the operators of Instant Business Funder. The quickest way to reach us is the enquiry form.
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, quickly