Built for businesses that don't fit the old boxes.

Why we exist

Most business lending in New Zealand was designed around a certain kind of business: a few years of annual accounts, a steady industry, a founder in their forties with a commercial property. That model works for plenty of people. It doesn't work so well for a 26-year-old running a skincare brand from a Hamilton garage, or two developers in Dunedin with 40 paying customers and no accounts yet.

Those businesses still need stock, gear, ad budgets, fit-outs and cash to get through a GST return. They just need someone who understands how they make money — payouts instead of invoices, launches instead of steady months, creators and platforms instead of shopfronts.

What we actually do

We connect New Zealand businesses with funding options from our lending partners. In practice, that means two lanes:

• Unsecured business funding and lines of credit for businesses usually trading six months or more, sized off turnover and bank statements. Weaker credit is considered, and some decisions come back the same day.
• Property-secured business loans from $20,000 to $1m, secured on NZ property you or a supporting party own, as a first or second mortgage. No financials or tax returns are needed for the initial assessment, bad credit and IRD debt are considered case by case, and funding can be possible within 24 hours of approval in some cases.

Every loan is priced on the individual business. We don't publish rate tables because they wouldn't apply to you — our job is to find the sharpest option available for your situation.

What we believe

Straight answers beat false hope

If your business is three months old and there's no property in the picture, an unsecured lender probably can't help yet. We'd rather tell you that on the first call — and tell you what would change the answer — than let you fill out five applications that go nowhere.

Debt is a tool, not a personality

Borrowing makes sense for timing gaps and investments with a clear payback. It doesn't fix a pricing problem or a product nobody wants. That's why so much of this site is guides rather than sales pages.

Your time matters

The enquiry takes about 60 seconds and doesn't touch your credit score. A real person calls back. No endless forms before you know whether it's worth it.

Who we help

Sole traders, companies, partnerships and trusts, for business purposes only — mostly younger founders and modern businesses: e-commerce and marketplace sellers, creators and agencies, SaaS and tech startups, new cafés and food trucks, trades going out on their own, first-time business owners and side hustles turning into real jobs. We work nationwide, from Auckland to Invercargill, by phone and online.

What we're not

We're not a bank, and we don't do personal or consumer lending. We don't give tax or legal advice either — for that, your accountant and lawyer are the right people, and several of our guides tell you exactly which questions to ask them.