Funding
Funding that follows your cash flow
Capital On Call arranges three core types of business funding for New Zealand businesses — revolving lines of credit, unsecured working capital, and property-secured loans from $20,000 to $1m — and helps you choose the structure that matches how your cash actually moves.
Business line of credit
A set limit you draw on when cash is tight and repay when it's flush.
Revolving business credit
One reusable limit instead of a string of one-off loans.
Standby working capital
Funding arranged while things are calm, ready for when they aren't.
Seasonal business funding
Carry wages, rent and pre-season stock through the off-season.
Opportunity funding
Say yes to bulk-buy discounts, auctions and acquisitions.
Property-secured top-up
$20,000 to $1m against NZ property you already own.
Paying IRD on time
Meet GST, PAYE and provisional tax dates when cash is out of sync.
Line of credit vs overdraft vs loan
Side-by-side: how each works and when to use which.
Unsecured working capital
Funding based on turnover and bank statements, no property needed.
How do I choose between them?
Start with the shape of the need. If the same gap comes back every season or every month, a revolving facility saves you reapplying and means you only carry debt while the gap is open. If the need is a single, defined cost — a tax balance, a piece of equipment, a deposit — a lump sum is usually tidier. If the amount is larger than your turnover would support, or your trading history is short or bumpy, property security opens more doors.
Whatever you choose, every facility is priced on your individual circumstances. We don't publish rates; we look for the sharpest option available for your situation and explain the full cost before you commit.
FAQ
Choosing a funding option
Which funding option is most popular with seasonal businesses?
A business line of credit, because it can be drawn in the off-season and repaid in the peak, then reused the next year without reapplying. It's usually for businesses trading six months or more.
What if I need more than a line of credit would cover?
A property-secured loan of $20,000 to $1m, secured on New Zealand property you or a supporting party own, can provide a larger lump sum. It can sit alongside a smaller line of credit.
Do you offer a property-secured line of credit?
No. Property-secured loans are lump sums for a short to medium term. Revolving lines of credit are generally unsecured and based on your turnover.
Put some capital on call
Tell us what your cash flow looks like. The enquiry takes about 60 seconds, won't touch your credit score, and a lending specialist calls you back.