SME Finance Solutions

    Unsecured Business Loans for NZ SMEs

    Access working capital without property security. Fast approvals from specialist lenders who understand Kiwi business cash flows.

    ANZ, ASB, BNZ, Co-operative Bank & a Wide Panel of Non-Bank and Specialist Lenders

    We are accredited with ANZ, ASB, BNZ and Co-operative Bank, and a wide range of non-bank and specialist lenders. Where your needs would be better served by a lender we are not accredited with, we will tell you.

    ANZ
    ASB
    BNZ
    Co-operative Bank
    Avanti Finance
    Basecorp Finance
    CCB
    Cressida Capital
    DBR Property Finance
    Fico Finance
    Finbase
    First Mortgage Trust
    Funding Partners
    General Finance
    Gold Band Finance
    Go Lend
    Heartland Bank
    ICBC
    Liberty
    Metro Finance
    Oxford Finance
    Pallas Capital
    Peppermoney
    Pioneer Finance
    Property Funding
    SBS
    Simplify
    Southern Cross Partners
    Strata Funding
    Unity
    XCEDA
    Zagga
    ASAP
    Bizcap
    Get Capital
    Prospa
    ANZ
    ASB
    BNZ
    Co-operative Bank
    Avanti Finance
    Basecorp Finance
    CCB
    Cressida Capital
    DBR Property Finance
    Fico Finance
    Finbase
    First Mortgage Trust
    Funding Partners
    General Finance
    Gold Band Finance
    Go Lend
    Heartland Bank
    ICBC
    Liberty
    Metro Finance
    Oxford Finance
    Pallas Capital
    Peppermoney
    Pioneer Finance
    Property Funding
    SBS
    Simplify
    Southern Cross Partners
    Strata Funding
    Unity
    XCEDA
    Zagga
    ASAP
    Bizcap
    Get Capital
    Prospa

    Our full lender panel is disclosed in our Public Disclosure document.

    Why Choose Unsecured Business Finance?

    Traditional banks often reject good businesses due to rigid criteria. Specialist lenders assess your business on its merits.

    Fast Decisions

    24-48 hour approval turnaround

    No Property Required

    Secured on business cash flow

    $5k - $500k

    Flexible funding amounts

    Growth Focused

    For stock, equipment, expansion

    Banks vs Specialist Lenders

    Traditional Banks

    Rigid criteria

    • Usually require property security
    • 2-4 week approval timeframes
    • Don't understand seasonal cash flows
    • Require years of trading history

    Specialist Lenders

    Business-first approach

    • No property security needed
    • 24-48 hour decisions
    • Understand business cash flows
    • 6+ months trading may qualify

    Our Specialist Lender Panel

    We compare options across multiple lenders to find your best fit.

    Prospa

    Small business loans up to $300k

    Same-day funding

    Bizcap

    Flexible business finance

    24-48 hour approvals

    Get Capital

    Working capital solutions

    Fast online process

    Common Uses for Unsecured Business Finance

    Stock & Inventory
    Equipment Purchase
    Marketing Campaigns
    Cash Flow Gaps
    Hiring Staff
    Fit-out Costs
    Seasonal Peaks
    Business Expansion

    Ready to Fuel Your Business Growth?

    Book a free strategy session to discuss your funding needs and explore which lender is the best fit.