Frequently Asked Questions (FAQs)
What is Bizzy and how does it help New Zealand businesses?
Bizzy is New Zealand’s leading online marketplace that connects businesses with a network of over 15 trusted lenders through a single application. We simplify the search for business finance by providing a marketplace platform where business owners can compare quotes for a range of business lending options including working capital, business loans, invoice finance, and asset lending in one place.
What is Bizzy and how does it help New Zealand businesses?
Bizzy is New Zealand’s leading online marketplace that connects businesses with a network of over 15 trusted lenders through a single application. We simplify the search for business finance by providing a marketplace platform where business owners can compare quotes for a range of business lending options including working capital, business loans, invoice finance, and asset lending in one place.
What is Bizzy and how does it help New Zealand businesses?
Bizzy is New Zealand’s leading online marketplace that connects businesses with a network of over 15 trusted lenders through a single application. We simplify the search for business finance by providing a marketplace platform where business owners can compare quotes for a range of business lending options including working capital, business loans, invoice finance, and asset lending in one place.
How much does it cost to use the Bizzy platform?
Using Bizzy is free to use for business owners. We do not charge any application fees or hidden costs to use our marketplace. Bizzy is paid commissions by our lending partners if you successfully secure funding, ensuring our interests are aligned with your business growth.
How much does it cost to use the Bizzy platform?
Using Bizzy is free to use for business owners. We do not charge any application fees or hidden costs to use our marketplace. Bizzy is paid commissions by our lending partners if you successfully secure funding, ensuring our interests are aligned with your business growth.
How much does it cost to use the Bizzy platform?
Using Bizzy is free to use for business owners. We do not charge any application fees or hidden costs to use our marketplace. Bizzy is paid commissions by our lending partners if you successfully secure funding, ensuring our interests are aligned with your business growth.
Will applying on Bizzy impact my credit score?
No, requesting funding and receiving quotes through Bizzy does not impact your credit score. Our lending partners provide indicative quotes on the Bizzy platform based on your business profile and the information you provide. Traditionally, applying to multiple lenders means multiple credit enquiries, which can damage your credit score. Bizzy eliminates this risk by allowing you to compare options in one place without the initial credit checks. Bizzy helps businesses compare quotes safely, ensuring your credit score stays protected while you browse options. Only when you decide to move forward with a specific lender to finalise terms will that chosen partner perform one credit check, instead of having multiple records.
Will applying on Bizzy impact my credit score?
No, requesting funding and receiving quotes through Bizzy does not impact your credit score. Our lending partners provide indicative quotes on the Bizzy platform based on your business profile and the information you provide. Traditionally, applying to multiple lenders means multiple credit enquiries, which can damage your credit score. Bizzy eliminates this risk by allowing you to compare options in one place without the initial credit checks. Bizzy helps businesses compare quotes safely, ensuring your credit score stays protected while you browse options. Only when you decide to move forward with a specific lender to finalise terms will that chosen partner perform one credit check, instead of having multiple records.
Will applying on Bizzy impact my credit score?
No, requesting funding and receiving quotes through Bizzy does not impact your credit score. Our lending partners provide indicative quotes on the Bizzy platform based on your business profile and the information you provide. Traditionally, applying to multiple lenders means multiple credit enquiries, which can damage your credit score. Bizzy eliminates this risk by allowing you to compare options in one place without the initial credit checks. Bizzy helps businesses compare quotes safely, ensuring your credit score stays protected while you browse options. Only when you decide to move forward with a specific lender to finalise terms will that chosen partner perform one credit check, instead of having multiple records.
How much can I borrow with Bizzy?
Approval amounts vary based on our lending partners and on your business' financial health. Most of the lending partners on Bizzy generally provide lending from 5k to 2M NZD. As a general rule of thumb, for unsecured loans, most lenders will fund up to 70% of your average monthly turnover (e.g., a business doing $50k/month could qualify for $35k). For secured or asset based lending, businesses may be able to access larger amounts through specialised lending partners. Lenders on Bizzy also provide other options like lines of credit or revolving facilities, which may depend on future income based on customer commitments and upcoming receivables.
How much can I borrow with Bizzy?
Approval amounts vary based on our lending partners and on your business' financial health. Most of the lending partners on Bizzy generally provide lending from 5k to 2M NZD. As a general rule of thumb, for unsecured loans, most lenders will fund up to 70% of your average monthly turnover (e.g., a business doing $50k/month could qualify for $35k). For secured or asset based lending, businesses may be able to access larger amounts through specialised lending partners. Lenders on Bizzy also provide other options like lines of credit or revolving facilities, which may depend on future income based on customer commitments and upcoming receivables.
How much can I borrow with Bizzy?
Approval amounts vary based on our lending partners and on your business' financial health. Most of the lending partners on Bizzy generally provide lending from 5k to 2M NZD. As a general rule of thumb, for unsecured loans, most lenders will fund up to 70% of your average monthly turnover (e.g., a business doing $50k/month could qualify for $35k). For secured or asset based lending, businesses may be able to access larger amounts through specialised lending partners. Lenders on Bizzy also provide other options like lines of credit or revolving facilities, which may depend on future income based on customer commitments and upcoming receivables.
What Lenders are on Bizzy?
Bizzy connects you with over 15 of New Zealand’s leading non-bank and specialist business lenders. Our panel includes industry recognised partners such as Prospa, ScotPac, Lock Finance, FundTap, Taxi, Ignite Finance, Line Capital, Quadrent, Bizcap, Apositive and Capital Connect. This wide range of providers allows us to connect businesses with everything from unsecured business loans and lines of credit to asset finance and trade finance in one single application.
What Lenders are on Bizzy?
Bizzy connects you with over 15 of New Zealand’s leading non-bank and specialist business lenders. Our panel includes industry recognised partners such as Prospa, ScotPac, Lock Finance, FundTap, Taxi, Ignite Finance, Line Capital, Quadrent, Bizcap, Apositive and Capital Connect. This wide range of providers allows us to connect businesses with everything from unsecured business loans and lines of credit to asset finance and trade finance in one single application.
What Lenders are on Bizzy?
Bizzy connects you with over 15 of New Zealand’s leading non-bank and specialist business lenders. Our panel includes industry recognised partners such as Prospa, ScotPac, Lock Finance, FundTap, Taxi, Ignite Finance, Line Capital, Quadrent, Bizcap, Apositive and Capital Connect. This wide range of providers allows us to connect businesses with everything from unsecured business loans and lines of credit to asset finance and trade finance in one single application.
I have unpaid invoices, how do I get cash now?
Bizzy has several specialist partners on the platform who offer Invoice Finance or Invoice Factoring to unlock up to 90% of your unpaid invoice value immediately. Instead of waiting 30 or 60 days for a customer to pay, Bizzy connects you with finance partners who can advance the cash today. How the process typically works: 1. Create a Bizzy account, request funding and upload the unpaid invoice you're waiting on. 2. Receive quotes from our lending partners, usually within 24h on work days. 3. Compare quotes, connect with the preferred lender and finalise your application. This typically involves connecting Xero or MYOB account and upoading financial statements. 4. Get your cash advance from your lender once the application is confirmed, this will vary by lenders but you can typically 80-90% of the invocie value upfront. 5. Customer Pays: Your customer pays the invoice as per their usual terms. Depending on the finance provider, the customer either pays you back as usual without the customer knowing it, or it goes to the finance provider who may release any remaining balances at this point. Additional benefit: once setup, most providers allow you to use the same mechanism for additional or future invoices, essentially equipping your business with an ongoing facility based on future customer payments to manage cashflow.
I have unpaid invoices, how do I get cash now?
Bizzy has several specialist partners on the platform who offer Invoice Finance or Invoice Factoring to unlock up to 90% of your unpaid invoice value immediately. Instead of waiting 30 or 60 days for a customer to pay, Bizzy connects you with finance partners who can advance the cash today. How the process typically works: 1. Create a Bizzy account, request funding and upload the unpaid invoice you're waiting on. 2. Receive quotes from our lending partners, usually within 24h on work days. 3. Compare quotes, connect with the preferred lender and finalise your application. This typically involves connecting Xero or MYOB account and upoading financial statements. 4. Get your cash advance from your lender once the application is confirmed, this will vary by lenders but you can typically 80-90% of the invocie value upfront. 5. Customer Pays: Your customer pays the invoice as per their usual terms. Depending on the finance provider, the customer either pays you back as usual without the customer knowing it, or it goes to the finance provider who may release any remaining balances at this point. Additional benefit: once setup, most providers allow you to use the same mechanism for additional or future invoices, essentially equipping your business with an ongoing facility based on future customer payments to manage cashflow.
I have unpaid invoices, how do I get cash now?
Bizzy has several specialist partners on the platform who offer Invoice Finance or Invoice Factoring to unlock up to 90% of your unpaid invoice value immediately. Instead of waiting 30 or 60 days for a customer to pay, Bizzy connects you with finance partners who can advance the cash today. How the process typically works: 1. Create a Bizzy account, request funding and upload the unpaid invoice you're waiting on. 2. Receive quotes from our lending partners, usually within 24h on work days. 3. Compare quotes, connect with the preferred lender and finalise your application. This typically involves connecting Xero or MYOB account and upoading financial statements. 4. Get your cash advance from your lender once the application is confirmed, this will vary by lenders but you can typically 80-90% of the invocie value upfront. 5. Customer Pays: Your customer pays the invoice as per their usual terms. Depending on the finance provider, the customer either pays you back as usual without the customer knowing it, or it goes to the finance provider who may release any remaining balances at this point. Additional benefit: once setup, most providers allow you to use the same mechanism for additional or future invoices, essentially equipping your business with an ongoing facility based on future customer payments to manage cashflow.
Can I use Bizzy to fund assets for the NZ Investment Boost in 2026?
Yes. Bizzy provides access to specialised lenders offering Asset Finance for equipment, machinery, and vehicle purchases eligible for the New Zealand 20% Investment Boost tax deduction introduced in 2025. This incentive allows you to deduct 20% of a new asset's value in the year of purchase on top of normal depreciation. Our lenders offer flexible hire purchase and chattel mortgage options that allow you to maximise this cashflow benefit. We recommend to also check with your accountant when receiving asset finance quotes to ensure you'll be able to utilise this tax benefit for your asset purchase.
Can I use Bizzy to fund assets for the NZ Investment Boost in 2026?
Yes. Bizzy provides access to specialised lenders offering Asset Finance for equipment, machinery, and vehicle purchases eligible for the New Zealand 20% Investment Boost tax deduction introduced in 2025. This incentive allows you to deduct 20% of a new asset's value in the year of purchase on top of normal depreciation. Our lenders offer flexible hire purchase and chattel mortgage options that allow you to maximise this cashflow benefit. We recommend to also check with your accountant when receiving asset finance quotes to ensure you'll be able to utilise this tax benefit for your asset purchase.
Can I use Bizzy to fund assets for the NZ Investment Boost in 2026?
Yes. Bizzy provides access to specialised lenders offering Asset Finance for equipment, machinery, and vehicle purchases eligible for the New Zealand 20% Investment Boost tax deduction introduced in 2025. This incentive allows you to deduct 20% of a new asset's value in the year of purchase on top of normal depreciation. Our lenders offer flexible hire purchase and chattel mortgage options that allow you to maximise this cashflow benefit. We recommend to also check with your accountant when receiving asset finance quotes to ensure you'll be able to utilise this tax benefit for your asset purchase.
What is the fastest way to get working capital for my NZ business?
The fastest working capital solutions are typically Unsecured Business Loans and modern Line of Credit offerings, which can often be funded within 24 to 48 hours, depending on the lender. Once you submit your funding request on Bizzy, our lender panel will review your request and share their quotes all online, typically within 24h on work days. Once you connect with the preferred lender, they will typically perform final checks or if needed request further financial statements via PDF, Xero or MYOB. Many of our lenders are able to provide a decision in hours with funding within 24 hours.
What is the fastest way to get working capital for my NZ business?
The fastest working capital solutions are typically Unsecured Business Loans and modern Line of Credit offerings, which can often be funded within 24 to 48 hours, depending on the lender. Once you submit your funding request on Bizzy, our lender panel will review your request and share their quotes all online, typically within 24h on work days. Once you connect with the preferred lender, they will typically perform final checks or if needed request further financial statements via PDF, Xero or MYOB. Many of our lenders are able to provide a decision in hours with funding within 24 hours.
What is the fastest way to get working capital for my NZ business?
The fastest working capital solutions are typically Unsecured Business Loans and modern Line of Credit offerings, which can often be funded within 24 to 48 hours, depending on the lender. Once you submit your funding request on Bizzy, our lender panel will review your request and share their quotes all online, typically within 24h on work days. Once you connect with the preferred lender, they will typically perform final checks or if needed request further financial statements via PDF, Xero or MYOB. Many of our lenders are able to provide a decision in hours with funding within 24 hours.
How does a revolving Business Line of Credit work?
A business line of credit provides ongoing access to funds (up to a pre-approved limit) that you can draw from at any time via an app or portal. Unlike a fixed loan, you only pay interest on the amount you actually use. As you repay the balance, the funds become available to use again, providing a permanent safety net for seasonal cash flow.
How does a revolving Business Line of Credit work?
A business line of credit provides ongoing access to funds (up to a pre-approved limit) that you can draw from at any time via an app or portal. Unlike a fixed loan, you only pay interest on the amount you actually use. As you repay the balance, the funds become available to use again, providing a permanent safety net for seasonal cash flow.
How does a revolving Business Line of Credit work?
A business line of credit provides ongoing access to funds (up to a pre-approved limit) that you can draw from at any time via an app or portal. Unlike a fixed loan, you only pay interest on the amount you actually use. As you repay the balance, the funds become available to use again, providing a permanent safety net for seasonal cash flow.
How can I get a business loan without using my home as security in New Zealand?
Yes, you can get an unsecured business loan without using your home or property as security. Depending on the lender you might be able to get between $5,000 to $500,000. Unsecured loans are approved based on your business’s cash flow and financial performance rather than physical collateral like property. Depending on the lender, some may require personal guarantees for unsecured loans.
How can I get a business loan without using my home as security in New Zealand?
Yes, you can get an unsecured business loan without using your home or property as security. Depending on the lender you might be able to get between $5,000 to $500,000. Unsecured loans are approved based on your business’s cash flow and financial performance rather than physical collateral like property. Depending on the lender, some may require personal guarantees for unsecured loans.
How can I get a business loan without using my home as security in New Zealand?
Yes, you can get an unsecured business loan without using your home or property as security. Depending on the lender you might be able to get between $5,000 to $500,000. Unsecured loans are approved based on your business’s cash flow and financial performance rather than physical collateral like property. Depending on the lender, some may require personal guarantees for unsecured loans.
What documents do I need to provide for an application?
To get started with Bizzy and get personalised lending quotes for your business, simply create a Bizzy account and submit a funding request. Requesting funding quotes on Bizzy can be done fully online, and only takes a few minutes. To get the most accurate assessments and quotes from our lending partners, it is recommended you upload the following documents: - Your Balance Sheet - Profit & Loss - Bank Transactions last 12 months If you don't have them handy yet, you can still sign up to Bizzy and add them to your application as soon as they become available. To do this you generally need to be a registered NZ Business (NZBN) trading for at least 3–6 months, although this will vary across lenders eligibility.
What documents do I need to provide for an application?
To get started with Bizzy and get personalised lending quotes for your business, simply create a Bizzy account and submit a funding request. Requesting funding quotes on Bizzy can be done fully online, and only takes a few minutes. To get the most accurate assessments and quotes from our lending partners, it is recommended you upload the following documents: - Your Balance Sheet - Profit & Loss - Bank Transactions last 12 months If you don't have them handy yet, you can still sign up to Bizzy and add them to your application as soon as they become available. To do this you generally need to be a registered NZ Business (NZBN) trading for at least 3–6 months, although this will vary across lenders eligibility.
What documents do I need to provide for an application?
To get started with Bizzy and get personalised lending quotes for your business, simply create a Bizzy account and submit a funding request. Requesting funding quotes on Bizzy can be done fully online, and only takes a few minutes. To get the most accurate assessments and quotes from our lending partners, it is recommended you upload the following documents: - Your Balance Sheet - Profit & Loss - Bank Transactions last 12 months If you don't have them handy yet, you can still sign up to Bizzy and add them to your application as soon as they become available. To do this you generally need to be a registered NZ Business (NZBN) trading for at least 3–6 months, although this will vary across lenders eligibility.
Do I have to proceed with the loan if I get a quote?
No. Bizzy offers a no-obligation quote comparison service. Even if you receive an indicative offer and connect with the lender to explore the quote, you are not required to move forward if it doesn't suit your business needs. You will not be charged anything from Bizzy. You will only be charged any fees from the selected lender, once you signed the final loan contracts with the lending partner and you start drawing down on the funds.
Do I have to proceed with the loan if I get a quote?
No. Bizzy offers a no-obligation quote comparison service. Even if you receive an indicative offer and connect with the lender to explore the quote, you are not required to move forward if it doesn't suit your business needs. You will not be charged anything from Bizzy. You will only be charged any fees from the selected lender, once you signed the final loan contracts with the lending partner and you start drawing down on the funds.
Do I have to proceed with the loan if I get a quote?
No. Bizzy offers a no-obligation quote comparison service. Even if you receive an indicative offer and connect with the lender to explore the quote, you are not required to move forward if it doesn't suit your business needs. You will not be charged anything from Bizzy. You will only be charged any fees from the selected lender, once you signed the final loan contracts with the lending partner and you start drawing down on the funds.
Does Bizzy provide any funding directly?
No, Bizzy is a digital lending marketplace to help businesses compare quotes, not a lender. We act as a "matchmaker platform" between your business and a network of over 15+ specialised New Zealand lenders, so you only have to request funding once instead of applying to multiple providers individually. Bizzy does not provide any loans, financial advice or lending decisions. Our platform helps business owners source and compare lending quotes all online, within a fraction of the time, and without hurtig your credit score. Once you proceed with an offer that's suitable for your business, the funding is provided directly by the lender you’ve chosen and any repayments are made to them.
Does Bizzy provide any funding directly?
No, Bizzy is a digital lending marketplace to help businesses compare quotes, not a lender. We act as a "matchmaker platform" between your business and a network of over 15+ specialised New Zealand lenders, so you only have to request funding once instead of applying to multiple providers individually. Bizzy does not provide any loans, financial advice or lending decisions. Our platform helps business owners source and compare lending quotes all online, within a fraction of the time, and without hurtig your credit score. Once you proceed with an offer that's suitable for your business, the funding is provided directly by the lender you’ve chosen and any repayments are made to them.
Does Bizzy provide any funding directly?
No, Bizzy is a digital lending marketplace to help businesses compare quotes, not a lender. We act as a "matchmaker platform" between your business and a network of over 15+ specialised New Zealand lenders, so you only have to request funding once instead of applying to multiple providers individually. Bizzy does not provide any loans, financial advice or lending decisions. Our platform helps business owners source and compare lending quotes all online, within a fraction of the time, and without hurtig your credit score. Once you proceed with an offer that's suitable for your business, the funding is provided directly by the lender you’ve chosen and any repayments are made to them.
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