16 ways to fund it
Business loans, sorted by what you're actually doing.
Business Loanz arranges two kinds of funding for New Zealand businesses: unsecured loans and lines of credit for businesses usually trading six months or more, and property-secured loans from $20,000 to $1m for newer businesses or bigger plans. Pick your situation below.
Selling online
For Shopify brands, marketplace sellers, creators and agencies whose revenue lands via payouts and invoices.
E-commerce loans
Yes — NZ online stores can borrow for stock, ad spend, packaging, software and fulfilment.
Lane: both lanes shopify & coShopify store funding
Shopify store owners in NZ can get business funding based on the payouts landing in their business bank account, usually once they've traded for about six months.
Lane: both lanes black friday readyPeak season stock
Peak-season stock funding lets NZ retailers and online stores buy inventory for Black Friday and Christmas before the sales arrive.
Lane: both lanes draw · repay · repeatLine of credit for sellers
A business line of credit gives an NZ online seller a limit they can draw from when cash is short and repay when payouts land, so you only use funding when you actually need it.
Lane: unsecured creative economyAgencies & creators
NZ agencies, studios and creators can borrow for gear, new hires, studio space and gaps caused by slow-paying clients.
Lane: both lanesJust getting started
For day-one founders, sole traders, first-time borrowers and businesses in their first 12 months.
Startup loans
Most NZ lenders won't offer unsecured loans to a business with no trading history, so the realistic startup loan is property-secured: $20,000 to $1m against NZ property you or a supporting party own.
Lane: property-secured under 12 monthsNew business loans
Businesses trading under 12 months in NZ can still borrow.
Lane: both lanes first timerFirst business loan
Your first business loan in NZ will usually be either unsecured (based on about six months or more of bank statements) or property-secured ($20,000 to $1m against NZ property you or a supporter own).
Lane: both lanes solo & self-employedSole trader loans
Yes, NZ sole traders can get business loans.
Lane: both lanes flat whites & fit-outsCafé & food truck loans
New NZ cafés, food trucks and coffee carts can fund fit-outs, espresso machines, trailers and opening stock with a loan of $20,000 to $1m secured on NZ property you or a supporting party own.
Lane: both lanesGrowth moves
For specific plays: an ad push, an import, new gear, a SaaS hire or a second site.
Marketing & ad spend
You can use a business loan or line of credit to fund a marketing or ad-spend push, and it makes most sense when you already know your return on ad spend and margins are healthy.
Lane: both lanes container comingImport order funding
Import order funding helps NZ businesses pay overseas suppliers, freight, duty and GST before the goods arrive and sell.
Lane: both lanes non-dilutiveSaaS & tech funding
NZ SaaS and tech businesses can use business loans or lines of credit as non-dilutive funding for hires, product development, marketing and runway.
Lane: both lanes kit upEquipment & tech
New NZ businesses can fund equipment and tech — from laptops and machines to vans and espresso gear — with an unsecured loan once they've traded about six months, or a property-secured loan of $20,000 to $1m from day one.
Lane: both lanes store no. 2Second location & pop-ups
NZ businesses opening a second location or pop-up can fund fit-out, stock, staff and launch costs with unsecured funding (usually 6+ months trading, based on turnover) or a property-secured loan of $20,000 to $1m.
Lane: both lanesTax & IRD
For when growth makes the GST return or provisional tax bill bigger than the bank balance.
Not sure which page is you?
Start with the lane, not the product.
If you've been trading for about six months or more and your sales land in a business bank account, unsecured options are usually on the table — the amount is based on turnover, weaker credit is considered and some decisions are same-day. If you're newer, need more than your turnover supports, or have IRD debt to clear, a property-secured loan against NZ property you or a supporting party own is usually the realistic route. Our guide to how lenders assess new businesses explains the thinking, or use the purpose picker on the homepage.
Skip the reading. Ask a human.
Send a 60-second enquiry and a lending specialist will point you to the option that fits — no credit score impact.