Unsecured funding & lines of credit
For businesses usually trading 6+ months.
- Amount based on your turnover and bank statements
- Weaker credit considered
- Decisions sometimes same day
- Great for stock, ads, payout gaps and tax timing
Money for the thing you're building.
Business funding for Kiwi online stores, creators, startups and new cafés — with an honest answer about which lane you're in. Unsecured once you've traded around six months, or $20,000 to $1m secured on NZ property from day one.
- 60 sec enquiry
- 0 credit score impact
- 1 real human calls back
Loan-purpose picker
What's the money for?
Tap one. We'll show you what fits and which lane is realistic — no forms yet.
Sounds like
Peak season stock funding
Order deep for Black Friday and Christmas, then repay as payouts land. A line of credit suits staged supplier payments.
Unsecured from ~6 months trading · or property-secured
Sounds like
Marketing & ad-spend funding
Put more behind campaigns that already pay back. Check your break-even ROAS with our calculator first.
Unsecured from ~6 months trading · or property-secured
Sounds like
Import order funding
Cover the deposit, balance, freight, duty and GST on imports long before the container lands.
Line of credit or loan · property-secured for first-time importers
Sounds like
Startup loans
No trading history yet? Borrow $20,000 to $1m against NZ property you or a supporting party own.
Property-secured · no financials for the first assessment
Sounds like
Café & food truck loans
Fit-out, espresso machine, trailer and opening stock — funded before opening day.
Property-secured to open · unsecured once trading ~6 months
Sounds like
Equipment & tech funding
Laptops, cameras, vans, machines — bundled with the rest of your set-up costs.
Unsecured or property-secured
Sounds like
GST & provisional tax funding
Growth made the IRD bill bigger than the bank balance. Pay on time, or pay out existing IRD debt.
Line of credit · or property-secured to clear IRD debt
Sounds like
Second location & pop-ups
Test a new suburb with a pop-up, or fund the fit-out for a permanent second site.
Unsecured based on site one · or property-secured
Two lanes. No fairy tales.
Most young businesses fit one of these.
We'd rather tell you straight than waste your time. Here's how eligibility actually works.
Property-secured business loans
For new businesses — or bigger plans.
- $20,000 to $1m against NZ property you or a supporting party own
- First or second mortgage, even with an existing mortgage
- No financials or tax returns for the initial assessment
- Bad credit and IRD debt considered case by case
30-second reality check
Which lane are you in?
Three taps. No name, no email, no credit check. Just a straight read on what's realistic right now.
Pick your situation
Funding for how you actually do business.
Selling online
Shopify stores, marketplace sellers, creators and agencies.
Just getting started
Day-one founders, sole traders and first-year businesses.
Growth moves
Imports, ads, gear, SaaS hires and store no. 2.
Tax & IRD
When growth makes the bill bigger than the balance.
How it works
From "hmm" to funded, minus the runaround.
- 01
Tell us the plan
A 60-second enquiry: what you do, roughly what you turn over, what the money's for. No credit score impact.
- 02
Talk to a human
A lending specialist calls back, asks the right questions and tells you which lane fits — even if the answer is "not yet".
- 03
Pick your option
Compare what's on the table. Every loan is priced on your situation, and we go after the sharpest option for it.
- 04
Get building
Some unsecured decisions land same day; property-secured funding can be possible within 24 hours of approval.
The founder zine
Read this before you borrow.
#01 Startup funding
NZ startup funding options in 2026: grants, angels, VC and loans
#02 Founder decisionsBootstrap, borrow or raise? How to choose for your business
#03 E-commerce opsCash flow for online stores: payout delays, inventory and the gap between
#04 Tax basicsThe $60,000 GST threshold: when to register and what changes
#05 Tax basicsProvisional tax in your first years of business, explained
#06 Borrowing 101How lenders look at a new business (and how to look better)
Made in Ōtautahi, working nationwide
From Durham Street to wherever you're building.
We're based in Christchurch and work with businesses right across Aotearoa — Auckland online brands, Wellington studios, Tauranga cafés, Queenstown seasonal operators, Dunedin tech teams and everyone in between. It's all done by phone and online, so where you are doesn't matter.
AucklandHamiltonTaurangaNapier–HastingsPalmerston NorthWellingtonNelsonChristchurchQueenstownDunedin
Quick answers
The stuff everyone asks first.
Got a different question? The full FAQ has plenty more, or call us on 03 667 4222.
Who is Business Loanz for?
Younger founders and modern New Zealand businesses — online stores, creators and agencies, SaaS and tech startups, new cafés and food trucks, sole traders and side-hustles going full time. Business purposes only.
Can a brand-new business get funding?
Yes, usually through a loan of $20,000 to $1m secured on NZ property you or a supporting party own. Unsecured funding generally needs around six months of trading and bank statements.
Does enquiring affect my credit score?
No. The enquiry takes about 60 seconds and doesn't touch your credit score. A lending specialist calls you back to talk through options.
What will it cost?
Every loan is priced on your individual circumstances — trading history, security, amount and purpose. We look for the sharpest option available for your situation rather than quoting a generic number.
How fast is it?
Some unsecured decisions come back the same day. For property-secured loans, funding can be possible within 24 hours of approval in some cases.
Got a plan? Let's fund it.
Tell us what you're building. A lending specialist will call back with the options that actually fit your business — and an honest read if it's not the right time.
Check my options About 60 seconds · no credit score impact