Apply today for a business loan from $5,000 to $150,000

As a business owner having access to finance is vital for you and your business. Take charge of your cash flow and your business aspirations today.

We have partnered with Prospa, the small business lending specialist, to provide our customers with a finance solution that’s fast and easy. All it takes is ten minutes to apply, you get approval the same day and the money you need could be in your account in 24 hours – so you can get on with business, sooner.


All you need to have ready is your driver’s licence number and your NZBN.

You can choose to allow us to use an advanced bank verification system link to instantly verify your bank information online and your application will be processed faster, in which case – have your main trading bank account details handy. Alternatively, you can choose to upload copies of your bank statements.

Please make sure you have 6 months of statements as PDF documents ready to upload. Depending on how much you borrow, you may need financial statements too.

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Tell me about the business loan.

It is a loan of between $5,000 and $150,000 with terms between 3 and 24 months and the cash flow friendly repayments are either daily or weekly.

How is your business loan different from a traditional business loan?

You can apply for our business loan in under 10 minutes online or over the phone, receive a same day response and the funds could be in your account in 24 hours. Traditional business loans reference an interest rate per annum plus other fees and charges. Our business loan is an upfront priced loan so you will know in advance the total amount payable including any interest, fees or charges. This is then broken down into either a daily or weekly repayment figure.

What can the business loan be used for?

Our fast and flexible funding can be used for any worthwhile purpose including business renovations, marketing, to purchase inventory or new equipment, as general working capital and many other purposes. Loans cannot be used for personal purposes.

How do I apply?

The application process is easy and fast. Simply complete the online form or contact us now. You’ll need the following information handy.

  • Identification details (valid Driver’s Licence)
  • Details about your business (including trading time, ownership details & an active Business number)
How fast will I get a decision?

We can often provide a response in one hour – as long as you apply during standard business hours and allow us to use the advanced bank verification system link to instantly verify your bank information online. If you choose to upload copies of your bank statements we can provide a decision in as little as one business day.

How fast will I get the money?

If you apply before 4pm on a business day and your application is approved, it is possible to have money in your account the next business day.

How much can I borrow?

We provide loan amounts between $5,000 and $150,000. When you make an application for a specific amount we consider a variety of factors to determine the health of your business and the level of repayments your business can support. The total amount of your loan will depend on the specific circumstances of your business.

How do you charge for a business loan?

We provides a range of interest rates based on the risk profile of the business. If you wish to receive your individual rate from us, you should call us or complete our online application.

When you take out a loan with us, the only fee you will incur is an origination fee. There are no hidden fees for our business loans, and you’ll know exactly how much you need to pay and when from day one. There’s no compounding interest, no penalties for early repayment and no additional fees (as long as you make your payments on time).”

What are the fees?

The amount due from day one includes the origination fee. There are no additional fees (excluding any late payment or default fees) and no penalties for early repayment.

Is there any penalty for early repayment?

There are no additional fees for early repayment and no balloon payment at the end of your loan. Right from the start you will know the total amount due and the date of your final payment. Once you make the final payment your balance will be $0.

How do repayments work?

To help you avoid missing repayments and to fit in with your cash flow cycle we offer repayments that are either daily or weekly. These are automatically deducted from your nominated business account.

Is it safe to link my bank account with an advanced bank verification system?

Yes. An advanced bank verification system link is used to instantly verify your bank account information online so you can get a fast response. Industry recognised encryption standards are followed to protect your personal, sensitive and financial data and commitment to customer security and privacy is ensured through ISO27001 certification.