No property needed
Fast business funding without property
Unsecured loans, revolving credit, invoice finance and short-term cash flow funding, sized on what goes through your business account. The quickest routes for smaller amounts, and nothing over your home.
Unsecured loans
Unsecured business loans for NZ businesses: how they're sized on bank statements, what lenders check, how fast they fund and when property wins.
Read more →Line of credit
How a business line of credit works in NZ: a revolving limit you draw, repay and reuse, and why setting it up early is the fastest funding there is.
Read more →Short-term loans
Short-term business loans in New Zealand: terms of a few weeks to 18 months, when they make sense, how they're repaid and how to make sure the exit is real.
Read more →Cash flow loans
Cash flow loans for NZ businesses: fast working capital for wages, GST, stock and slow payers, sized on bank statements, often without property.
Read more →Invoice finance
Invoice finance for NZ businesses: advance cash against unpaid B2B invoices, how debtor finance works, what it costs and how quickly the first advance can land.
Read more →Startup loans
Startup business loans in New Zealand: what lenders accept from businesses under 12 months old, where property and experience help, and how to move quickly.
Read more →Bad credit loans
Bad credit business loans in New Zealand: how lenders weigh defaults, judgments and IRD arrears, which routes still move fast, and why disclosing early matters.
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, quickly