Business Loans.

 

Flexible business loans to help your company grow in Aotearoa New Zealand.

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Whether you are scaling an established company, expanding a long running operation, or pushing into your next growth phase, Finance Corp. can help you access business lending and commercial finance that matches your cash flow and plans.

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Business loans can be used for working capital, staffing and payroll gaps, stock and inventory funding, equipment and vehicle purchases, marketing and growth spend, refurbishments, IRD debts and refinancing higher cost debt. The right structure depends on how your business earns revenue and how predictable your income is across the year.

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Typical eligibility for this type of business loan

Eligibility varies by lender, but for the loan range you outlined, many lenders look for:

• Registered and operating in New Zealand

• At least 2 years trading history

• Minimum turnover of $200,000 in the last financial year

• Up to date financials, often including recent statements and bank transaction history

• A clear purpose for the funds and evidence the repayments are affordable

If your business does not meet one of the above, there may still be other options, including different products, smaller limits, or alternative structures.

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Loan amounts and terms

For this product category, loan amounts are commonly $100,000 to $500,000 with terms up to 5 years, subject to your business’s financial position, the purpose of the loan, and the lender’s policy.

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Unsecured lending, and what that often means in practice

Some business loans can be unsecured, meaning no property is used as security. Even when a loan is unsecured, lenders may still require protections such as a personal guarantee, a general security agreement over business assets, or specific conditions around how funds are used. The exact structure depends on the lender and the risk profile of the application.

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Consolidating Inland Revenue debt

In some situations, business lending can be used to consolidate existing IRD debt into a single repayment. It is also worth comparing that approach with an IRD instalment arrangement, which lets you repay tax debt over time and may reduce penalties when it is formally agreed.

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We can help you weigh up the real-world trade-offs, including interest costs, fees, and the impact on cash flow.

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An Important New Zealand note on business purpose lending

Business and investment lending is often not covered by the usual consumer protections under the Credit Contracts and Consumer Finance Act, except protections against oppressive behaviour, and lenders may ask you to sign a business purpose declaration.

That is why it is critical to understand the full cost, fees, default terms, and any guarantees before you sign. We will walk you through it clearly.

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Talk to us

To discuss business loan options, including unsecured lending and debt consolidation strategies, contact Finance Corp. on 022 125 9110 or click here to read more about Business Loans.

 

This article is accurate as of 23 February 2026. Please note that financial advice changes regularly, so this information in this article, should be used as a guide only. Please call us for up-to-date information.

 

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