Process
How it works: from enquiry to capital on call
You enquire online in about 60 seconds, a lending specialist calls to understand your business and your cash flow, we match you with the right lender and structure, and — once approved — your facility or loan is ready to use. Enquiring is free and doesn't affect your credit score.
- ~60 sec
1. Enquire
Tell us what you need, what it's for and roughly what your business turns over.
- Call
2. Talk it through
A lending specialist learns how your year works and what the funding needs to do.
- Match
3. Match and assess
We match you with a lender and structure, and help you provide what they need.
- Ready
4. Decide and draw
You see the full terms and cost, decide, and the funds are put on call.
Step 1: The 60-second enquiry
The online enquiry asks for the essentials: your name and contact details, your business, how much you're looking for, what it's for, and a rough idea of turnover. It doesn't run a credit check, so it doesn't affect your credit score.
Step 2: A conversation, not a form
A lending specialist calls you back. Expect questions like: When is your busy season? How long do customers take to pay? Is this a one-off need or does it come back every year? Do you or a supporting party own property in New Zealand? The answers decide which structure fits — a line of credit, unsecured working capital or a property-secured top-up.
Step 3: What you'll usually need
| Option | Typically needed |
|---|---|
| Line of credit or unsecured loan | Recent business bank statements (often shared through a secure bank link), NZBN or business details, ID. Usually trading 6+ months. |
| Property-secured loan | Property details, the purpose and how it will be repaid, ID. No financials or tax returns for the initial assessment. |
Step 4: Decision, terms and funds
Before anything is signed, you'll see the full terms and every cost. Every facility is priced on your individual circumstances — we don't publish rates — and we look for the sharpest option available for your situation. Unsecured decisions are sometimes made the same day; property-secured loans can be funded within 24 hours of approval in some cases.
After you're set up
With a line of credit, you draw when you need to and repay as cash comes in. With a lump-sum loan, you follow the repayment plan agreed at the start. Either way, if your circumstances change, talk to your lender early. Our guide to using business credit responsibly has practical habits that help.
FAQ
Process questions
How long does the whole process take?
It depends on the option. Unsecured decisions are sometimes made the same day once the lender has your bank statements. Property-secured loans can fund within 24 hours of approval in some cases, after the property and legal steps are complete.
What will the lending specialist ask me?
What the funding is for, how much you need, how your business earns across the year, how you'd repay, and whether you or a supporting party own New Zealand property.
Am I committed once I enquire?
No. The enquiry simply starts a conversation. Nothing proceeds unless you decide to go ahead after seeing the options and the full cost.
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.