Business Lending Options in NZ: The 2026 Guide to Business Loans
For Kiwi businesses, access to capital is critical to grow and run their business. This guide covers the most common business loans in New Zealand, including unsecured business loans, working capital facilities, invoice finance, asset finance, secured business loans, and acquisition finance. It also outlines typical lending structures, security requirements, and eligibility criteria so businesses can better understand which funding option may suit their situation.
Whether you're looking to smooth cashflow, purchase equipment, unlock capital tied up in invoices, or fund a larger business investment.
This guide breaks down:
Start with your Funding Purpose - What Are You Funding?
Most business lending products are designed to solve a specific need. Some rely on unpaid invoices, others use assets as security, and some are structured around the cashflow performance of the business. Because of this, the lending landscape can sometimes feel like a catalogue of unfamiliar products.
Starting with the purpose of the funding - what the capital is actually needed for - often makes it much easier to identify the right option and secure more suitable terms.
Businesses typically seek funding for situations such as:
Managing cashflow gaps: Short-term working capital or unsecured loans can help smooth temporary dips in revenue or cover operational costs.
Purchasing vehicles or equipment: Asset finance allows businesses to spread the cost of large purchases like machinery, vehicles, or technology.
Unlocking cash tied up in invoices: Invoice finance allows businesses to access a percentage of unpaid invoices immediately instead of waiting 30–60 days for payment.
Funding a larger expansion or investment: Secured loans or property-backed lending can provide larger amounts of capital over longer terms.
Buying an existing business: Acquisition finance can help fund the purchase of an established business, often supported by a deposit, business performance history, or property security depending on the structure of the deal.
Bank vs Non-Bank Business Lending in New Zealand
Traditionally, most businesses in New Zealand relied on banks for lending. While banks still provide large volumes of SME funding, access to non-bank funding has expanded rapidly in recent years. A growing number of specialist and alternative lenders now offer products like unsecured loans, invoice finance, asset finance, and working capital facilities to help Kiwi Businesses with their finance needs.
Non-bank lenders typically offer:
Faster approval processes: Where a bank loan may take weeks or even months, non-bank lenders can often provide funding within hours or a few days.
More flexible lending criteria: Non-bank lenders typically are more open and flexible with how they lend rather than a one-size fits all approach by the banks.
Products tailored to specific needs like invoice finance or short-term working capital
However, banks can still provide great terms and rates, if a business fits the bank’s criteria and has access to bank funding.
Unsecured Business Loan
Usually none, occassionally personal guarantee requred
Prospa, Line Capital, Bizcap, Scotpac & others
Trading for 6+ months; ~$5k+ monthly turnover.
$5k - $500k
Yes
Secured Business Loan
Property of high value asset
Prospa, Scotpac, HomeSec, Line Capital,
Bizcap, Capital Connect & others
Trading for 6+ months; asset ownership (typically a property)
$20k - $2M
Yes
Invoice Finance
Unpaid invoices
FundTap, Lock Finance, Ignite Finance, ScotPac & others
1 or more valid invoices
Generally up to 90% of the invoice value
Yes
Asset Finance
The asset being purchased (e.g., vehicle, equipment, computer)
New or used equipment, vehicle or asset which you plan to purchase,
Depends on asset, generally up to 100% of the asset
Yes
Trade / Purchase Order Finance
Purchase Orders / Goods invoices
Ignite Finance, Lock Finance & others
1 or more valid purchase orders
Generally Up to 90% of the purchase order
Yes
Line of Credit / Working Capital Facility
N/A
Need for day-to-day liquidity; stable revenue.
$5k - $500k
Yes
Business Acquisition Loan
Buying and existing, or starting a new Business
CFI Finance, Line Capital, Capital Connect & others
Business financials, if buying existing or business plan if starting new.
Depending on purchase price of the business and lender, Unsecured can get up to 250K, and secured with property up to 500K
Yes
Unsecured Business Loans in NZ
Fast Access to Working Capital Without Property Security
An unsecured business loan allows businesses to access capital without using property or high-value assets as collateral. Instead of focusing on what you own, lenders typically assess the performance of your business - including cashflow, revenue trends, and credit history.
Because no specific asset security is required, unsecured lending is often one of the faster and more accessible forms of business finance available to Kiwi SMEs.
How Do Unsecured Business Loans Work?
Approval is usually based on recent bank statements (often the last 6-12 months), alongside business health and credit checks.
Loan terms: Typically 3-36 months
Funding speed: Often within 24-72 hours of approval
Repayments: Fixed daily or weekly repayments (varies by lender)
Security: No specific asset required, although a director guarantee may apply
Because there’s no property security involved, lending decisions are typically faster than secured business loans in NZ.
When Do Kiwi Businesses Use Unsecured Loans?
Unsecured business loans are commonly used for short-term growth opportunities or urgent expenses.
Some typical examples include:
Retail: A boutique retailer secures $20k in funding within 24 hours to purchase summer inventory early and avoid supply chain delays.
Hospitality: A café needs urgent kitchen repairs during peak season and accesses funds immediately to minimise downtime.
Professional Services: A marketing agency hires a specialist contractor for a 6-month project before the first client invoice is paid.
Pros and Considerations for Unsecured Business Loans
If you’re comparing options, unsecured loans prioritise speed and accessibility
Advantages
Fast approval and funding
No property or assets required
Simple application process
Predictable repayment schedule
Considerations
Interest rates are typically higher than secured business loans
Loan amounts are typically capped at $150K without security
Repayment terms are typically shorter (6-36 months)
Director guarantees are often required
Which Businesses Are Eligible for Unsecured Loans?
While criteria varies between lenders, most unsecured business loan providers in New Zealand look for:
Minimum 4-12 months of trading history with a registered NZBN
NZ-registered business and valid NZ passport/drivers license
Minimum annual revenue ($72K - $120K+)
Good credit history
Consistent cashflow through 12 months of business bank statements
If your business revenue is steady but you don’t own property, unsecured finance can be a practical working capital solution.
Unsecured Business Loan Providers in NZ (Available via Bizzy)
Through Bizzy’s marketplace, you can compare unsecured business loan offers from trusted NZ lenders. Instead of approaching each lender individually (and potentially impacting your credit profile multiple times), Bizzy enables you to compare tailored offers side-by-side with one simple application.
Our unsecured business loan providers include: Prospa, Line Capital, Bizcap, ScotPac & others
Secured Business Loans in NZ
Larger Funding Supported by Property or Assets
A secured business loan allows businesses to borrow larger amounts of capital by providing property or high-value assets as security on the finance. Because the loan is secured, interest rates are typically lower and borrowing limits higher than unsecured options.
For many Kiwi SMEs, secured lending is used when funding major investments such as business expansion, acquisitions, property-backed growth, or refinancing existing debt.
How Do Secured Business Loans Work?
Approval is usually based on recent bank statements (often the last 6-12 months), alongside business health and credit checks.
Loan terms: Typically 6-60 months
Funding speed: Often within 24-72 hours of approval
Repayments: Fixed weekly, fortnightly or monthly repayments (varies by lender)
Security: Property or high value asset is required
When Do Kiwi Businesses Use Secured Business Loans?
Secured loans are typically used when businesses need access to larger funding amounts or longer-term financing for growth.
Examples include:
Supplier Payments: A business owner secures funding against equity in their personal property to keep supplier payments flowing during a busy growth period.
Business Acquisition: An entrepreneur purchases an existing business using a secured loan supported by property equity.
Growth Investment: A business owner leverages personal property as security to access larger funding, allowing the business to scale operations, increase stock levels, and support expansion.
Pros and Considerations for Secured Business Loans
Secured loans prioritise lower borrowing costs, higher loan limits and longer repayment terms, but they require collateral to support the lending.
Advantages
Larger loan amounts compared with unsecured lending (From $150K to $2M+)
Typically lower interest rates than unsecured lending
Longer repayment terms available (typically up to 5 years)
Suitable for major investments or expansion
Considerations
Property or valuable assets are required as security
Approval processes may take longer than unsecured lending
Property valuations or legal processes may be required
Risk of asset repossession if repayments cannot be met
Which Businesses Are Eligible for Secured Loans?
Eligibility varies between lenders, but most secured business loan providers in New Zealand typically look for:
• Property or high-value assets that can be used as security
• Established trading history
• Strong repayment capacity based on cashflow
• Acceptable credit history
For businesses with property equity or valuable assets, secured lending can unlock larger funding amounts with more favourable terms.
Secured Business Loan Providers in NZ (Available via Bizzy)
Through Bizzy, businesses can explore secured lending options from a range of lenders through one application.
Current secured business loan providers available via Bizzy include: Prospa, Line Capital, Bizcap, ScotPac, Capital Connect, HomeSec & others
Line of Capital Loans in NZ
Flexible Funding to Support Day to Day Cashflow
A line of credit or also called working capital facility gives businesses access to funding to manage everyday operating expenses like payroll, supplier bills, or seasonal dips in revenue.
Many Kiwi businesses use working capital facilities as a cashflow buffer when the timing of incoming payments doesn’t quite line up with outgoing costs. For SMEs managing seasonal fluctuations, tax periods, or periods of growth, working capital can provide some breathing room without needing to secure the loan against major assets.
How Does a Line of Credit Facility Work?
A line of credit typically acts as an active cashflow buffer, a facility you can draw down from when needed, rather than taking a fixed lump sum upfront. You typically only pay fees or interest on the amount you actually use.
Approval is generally based on your recent bank statements and overall cashflow performance. Because it’s designed to support short-term operational needs, funding decisions are often faster than traditional bank facilities.
Typical features include:
Facility terms: Typically 12-24 months with ongoing use and can be extended
Funding speed: Fast approval, often within 24-72 hours of approval
Repayments: Fixed daily, weekly or monthly repayments (varies by lender)
Security: Often unsecured, although director guarantees are common
When Do Kiwi Businesses Use a Line of Credit?
Line of Credit facilities are commonly used to manage cashflow throughout the year or fund short-term growth opportunities where timing matters.
Some examples include:
Construction: A building company secures working capital to cover upfront materials and subcontractor costs before the first progress payment is received.
Retail: A retailer draws down funds to purchase additional inventory ahead of a major sales period, ensuring shelves stay stocked during peak demand.
Professional Services: A consulting firm bridges a 60-day invoice cycle so they can continue paying staff and operating costs while waiting for a large corporate client to settle.
Pros and Considerations for Line of Credit Facilities
Secured loans prioritise lower borrowing costs, higher loan limits and longer repayment terms, but they require collateral to support the lending.
Advantages
Flexible access to funds and draw down only what you need
Interest charged only on the utilised amount (for many facilities)
Ideal for managing seasonal or short-term cashflow gaps
Can act as an ongoing financial buffer
Considerations
Interest rates are typically higher than secured lending
May include establishment or monthly fees
Requires disciplined cashflow management
Director guarantees are often required
Which Businesses are Eligible for Line of Credit Facilities?
While criteria varies between lenders, most working capital or line of credit providers in NZ look for:
Varies by provider but typically 6-12 months trading history
NZ-registered business and valid NZ passport/drivers license
Minimum annual revenue ($72K - $120K+)
Good credit history
Consistent cashflow through bank statements
If your revenue is relatively stable but the timing of cashflow fluctuates, working capital can help smooth the gaps without tying up major assets.
Invoice & Trade Finance in NZ
Unlock Cashflow from Unpaid Invoices and Purchase Orders
Invoice and trade finance allow businesses to access funding tied directly to sales they have already made or confirmed orders they need to fulfil.
With invoice finance, lenders advance a percentage of unpaid invoices so businesses can access cash immediately instead of waiting 30-90 days for customers to pay. Trade or purchase order finance works slightly differently, helping businesses fund the upfront cost of goods needed to fulfil confirmed orders.
For many Kiwi SMEs, these funding options are useful when revenue is strong but cashflow is delayed due to payment terms or supplier costs. Rather than relying on traditional loan structures, the funding is typically secured against invoices or purchase orders, meaning access to capital can scale as the business grows.
When Do Kiwi Businesses Use Invoice or Trade Finance?
Invoice and trade finance are commonly used by businesses that invoice customers with extended payment terms or need capital to fulfil large orders.
Examples include:
Wholesale: A distributor releases 80–90% of the value of invoices issued to retailers so it can continue purchasing stock while waiting for payment.
Construction : A subcontractor unlocks funds from progress invoices to cover payroll and materials before the main contractor settles the invoice.
Importing: A business secures trade finance to pay overseas suppliers for goods tied to a confirmed purchase order from a local retailer.
How does Invoice & Trade Finance work?
Invoice finance and trade finance are designed to solve one of the most common challenges for growing businesses: cash being tied up between paying suppliers and getting paid by customers.
With invoice finance, businesses can access cash that’s locked in unpaid invoices. Instead of waiting 30, 60, or even 90 days for customers to pay, a lender advances a large portion of the invoice value (often 70–90%) upfront. Once the customer pays the invoice, the remaining balance is released to the business, minus a small fee. This allows companies to maintain steady cashflow while continuing to grow sales.
Trade finance works slightly earlier in the supply chain. It helps businesses pay suppliers or fulfil large orders before receiving payment from their customers. The lender pays the supplier on your behalf, allowing goods to be produced or shipped. Once the goods are delivered and the customer pays, the business repays the finance provider.
Together, these funding options help Kiwi businesses bridge the gap between paying for goods and getting paid, making it easier to take on larger orders, manage supplier payments, and maintain healthy cashflow as the business grows.
Pros and Considerations for Invoice & Trade Finance
Invoice and trade finance focus on unlocking capital tied up in business activity, rather than lending against property or fixed assets.
Advantages
Access funding tied directly to unpaid invoices or confirmed orders
Improves cashflow while waiting for customer payments
Funding limits can grow as invoice volume increases
Often available without property security
Considerations
Funding depends on the quality of your customers and invoices
Fees may apply for invoice processing or facility management
Typically suited to businesses invoicing other businesses (B2B)
Some invoice finance facilities require customer notification (disclosed facilities), meaning your customers may be aware the invoices are being financed
Which Businesses are Eligible for Invoice & Trade Finance Loans?
Eligibility varies between lenders, but most invoice and trade finance providers in New Zealand typically look for:
• Businesses that sell to other businesses (B2B) rather than consumers
• Valid invoices or confirmed purchase orders from creditworthy customers
• Consistent trading history (often 6–12 months+)
• Reliable supplier relationships and clear transaction records
• Acceptable business and director credit profile
Because funding is secured against invoices, goods, or purchase orders, lenders focus less on property or assets and more on the strength of your customers and sales pipeline.
For businesses with growing order volumes or long payment terms, invoice and trade finance can provide a scalable way to improve cashflow and fulfil larger opportunities without waiting to get paid.
Invoice and Trade Finance Providers in NZ (Available via Bizzy)
Through Bizzy, businesses can compare invoice and trade finance options from multiple lenders through a single application. Current providers available via Bizzy include: FundTap, Lock Finance, Ignite Finance, ScotPac & others
Asset & Vehicle Finance in NZ
Unlock Cashflow from Unpaid Invoices and Purchase Orders
Asset and vehicle finance allows businesses to purchase income-generating assets such as vehicles, machinery, or specialist equipment while spreading the cost over time. Instead of paying the full purchase price upfront, the lender funds the purchase and the asset itself acts as security for the loan.
For many Kiwi SMEs, this makes asset finance a practical way to grow capacity without using working capital of the business. Whether it’s expanding a fleet, upgrading construction equipment, or investing in business-critical tools, repayments are structured over a fixed term so the asset can help generate revenue while you pay it off.
In short, it’s funding tied directly to growth, not just cashflow support.
When Do Kiwi Businesses Use Asset / Vehicle Finance?
Asset and vehicle finance is commonly used to fund income-generating equipment without draining cash reserves.
Some examples are:
Transport: A logistics company finances two additional vans to take on a new delivery contract without paying the full cost upfront.
Construction: A building company finances a new ute and trailer to take on additional projects, with repayments aligned to incoming project revenue, spreading the cost over time.
Hospitality: A restaurant upgrades its commercial kitchen equipment, spreading the cost over three years rather than using working capital.
How does Asset & Vehicle Finance work?
Asset and vehicle finance allows businesses to purchase equipment, machinery, or vehicles without paying the full cost upfront. Instead, the lender funds the purchase and the asset itself acts as security for the loan.
Once approved, the lender typically pays the supplier directly for the asset. The business then repays the loan over an agreed term through fixed monthly repayments. Because the asset secures the loan, interest rates are often lower than unsecured lending.
Loan terms: Typically 1–5 years
Funding speed: Often within a few days once the asset is approved
Repayments: Fixed weekly, fortnightly or monthly repayments
Security: The vehicle or equipment being purchased
This type of finance is commonly used for vehicles, construction equipment, manufacturing machinery, IT systems, or specialist tools — allowing businesses to invest in assets that help generate revenue while spreading the cost over time.
Pros and Considerations for Asset & Vehicle Loans
Asset finance is typically structured around the value of the equipment being purchased. Since the asset itself acts as security, lenders place strong emphasis on the value and suitability of the equipment or vehicle, alongside your ability to service the loan.
Advantages
Preserves cash reserves by spreading payments over time
Typically lower interest rates than unsecured lending
Predictable fixed repayments
Asset can generate revenue while being paid off
Suitable for vehicles, machinery, and specialist equipment
Considerations
The asset is used as security
Funding is limited to specific purchases such as vehicles, equipment and other business assets
Deposit may be required in some cases
Early repayment fees may apply
Which Businesses are Eligible for Asset and Vehicle Finance Loans?
While criteria varies between lenders, most asset and vehicle finance providers in NZ look for:
Varies by provider but typically 6-12 months trading history
NZ-registered business and valid NZ passport/drivers license
A formal quote or invoice for the asset being purchased
Consistent cashflow through bank statements to support repayments
If your business is investing in equipment that will generate revenue, asset finance can provide a structured way to fund the purchase while preserving working capital.
Asset and Vehicle Finance Providers in NZ (Available via Bizzy)
Through Bizzy’s marketplace, you can compare asset and vehicle finance options from trusted NZ lenders, including: Quadrent, MTF FInance, CFI Finance, Capital Connect & others
Business Acquisition & Startup Loans in NZ
Funding to Buy an Existing Business or Launch a New Business
Business acquisition and startup loans provide funding for entrepreneurs who want to purchase an existing business or launch a new venture. Instead of needing the full capital upfront, financing allows owners to spread the cost of the investment over time.
When assessing these loan requests, lenders typically look at both the strength of the business opportunity and the experience and financial position of the owner.
For established businesses, this usually includes reviewing historical financial performance.
For new ventures, lenders tend to place greater emphasis on the business plan, industry experience, and projected revenue.
For both of these scenarios, if a users already owns an existing business this it typically taken into consideration for borrowing power.
For many Kiwi entrepreneurs, this type of finance makes business ownership possible sooner, whether stepping into an established operation or launching a new venture.
When Do Kiwi Businesses Use Acquisition Finance?
Business Acquisition Finance or New Business Loans are commonly used when:
An existing business owner purchasing an adjacent or complementary business
An operator buying into a franchise or established brand
An entrepreneur acquiring an existing business
An individual launching a new business with startup costs
Some examples include:
Trades: A qualified plumber purchases an established plumbing business from a retiring owner.
Hospitality: An operator secures funding to launch a new café, covering fit-out, equipment, and initial working capital.
Professional Services: A senior consultant buys into a professional practice, acquiring a share of the business and its existing client base.
In each case, financing helps bridge the gap between opportunity and available capital.
How does Business Acquisition or New Business Finance work?
Business acquisition finance provides funding to purchase an existing business or buy into a company. Instead of needing the full purchase price upfront, a lender funds part of the transaction while the buyer contributes a deposit.
Lenders typically assess both the financial performance of the business being acquired and the experience of the buyer. This often includes reviewing historical financial statements, projected cashflow, and the overall viability of the business.
Once approved, the lender releases funds to complete the purchase, and the new owner repays the loan over an agreed term.
Loan terms: Typically 3–7 years
Funding speed: Depending on speed of financial due diligence, can be as fast as 72 hours or may take 1-2 weeks.
Repayments: Typically fixed monthly repayments
Security: Often supported by business assets, personal guarantees, or property
Because the funding is tied to acquiring an operating business, lenders focus heavily on sustainable cashflow and the ability of the business to service the loan once ownership transfers.
Pros and Considerations for Business Acquisition or Startup Lending
Acquisition and startup loans are typically structured around longer-term investment and business ownership, rather than short-term working capital.
If you’re comparing options, purchase and startup loans prioritise long-term investment in business ownership rather than short-term working capital.
Advantages
Enables business ownership without full upfront capital
Spread the cost of acquisition or setup over time
Funding aligned with specific business growth
Opportunity to acquire an established business with customers and revenue
Considerations
Deposit contribution often required
Detailed financial documentation needed
Approval process can take longer than unsecured lending
Personal guarantees are commonly required
Which Businesses are Eligible for Business Acquisition Loans?
Criteria varies between lenders and whether you are buying an existing business, expanding with a new franchise or starting a new business.
We find that lenders in NZ will typically look for and take into consideration:
A clear business plan and growth strategy for the business
Relevant industry or management experience
Deposit contribution from the buyer (sometimes 20–40%)
Financial forecasts or historical financial statements
Acceptable credit profile
If the business has strong potential and the owner has relevant experience, lenders may be willing to support both acquisitions and new ventures.
Business Acquisition and New Business Finance Providers in NZ (Available via Bizzy)
Through Bizzy’s marketplace, you can explore funding options for Business Acquisition or New Business Finance with trusted NZ lenders, including: CFI Finance, Line Capital, Capital Connect and others
Summary: Which Business Loan Is Right for Your Business?
Different funding products are designed to solve different business challenges. Choosing the right option usually depends on what the funding is being used for.
Here’s a quick guide to common situations and the types of funding businesses typically explore:
If you need cash quickly to secure stock or cover urgent expenses? An Unsecured Loan or Secured Business Loan might be a suitable option.
Are you waiting on large customers to pay their invoices? Invoice Finance could help unlock cash tied up in receivables.
If you are buying vehicles, machinery, or equipment? Asset or Vehicle Finance may be the right fit.
Paying overseas suppliers or fulfilling large orders? Trade Finance might support those transactions.
Managing payroll, suppliers, or short-term cashflow gaps? A Working Capital facility could provide the flexibility you need.
Looking to purchase or start a business? A Business Purchase or Startup Loan may help fund the opportunity.
Need ongoing, flexible access to funds rather than a one-off loan? A Working Capital or Line of Credit facility may be a good option.
How Bizzy Helps Businesses Compare Lending Options
One challenge many businesses face when exploring finance is understanding what options are actually available to them.
Bizzy connects New Zealand businesses with a panel of lenders through a single application. Instead of approaching lenders individually, businesses can submit one application and receive indicative offers from multiple providers. Bizzy allows business owners to compare terms, repayment structures, and eligibility before deciding which lending option best suits their situation.
Some key benefits include:
One application, multiple lenders, compare funding options across the market
No impact to your credit score while exploring options
Faster access to capital, with many lenders providing decisions within 24–48 hours
Transparent comparison of lending products such as unsecured loans, invoice finance, or asset finance
Frequently Asked Questions for Business Lending in NZ
Can I get a business loan in NZ without using my house as security?
Yes, many lenders offer unsecured business loans that are assessed based on your business cashflow and turnover rather than property security. There are also funding options like invoice or trade finance, which use unpaid invoices or purchase orders as security, and asset finance, where the vehicle or equipment being purchased secures the loan. This means many Kiwi businesses can access funding without putting their home on the line.
How do I qualify for a business loan in NZ?
Most lenders assess a business loan application based on trading history, revenue, cashflow stability, and credit profile. Many lenders in New Zealand require at least 6–12 months of trading history and minimum monthly turnover of $5,000, although the exact criteria varies depending on the type of funding.
What types of business loans are available in New Zealand?
New Zealand businesses have several funding options depending on their needs. Common business lending options include unsecured business loans, working capital facilities, asset and vehicle finance, invoice finance, trade finance, and secured business loans. Each product is designed to solve different cashflow or growth challenges, such as purchasing equipment, managing invoices, or funding expansion.
How quickly can you get a business loan in NZ?
Funding speed depends on the type of loan. Unsecured business loans and working capital facilities can often be approved within 24–72 hours, while more structured lending such as secured loans or business acquisition finance may longer due to additional due diligence.
What is the best business loan for small businesses in NZ?
The best business loan for a small business in New Zealand depends on what the funding is needed for. Unsecured business loans are often used for fast working capital, while invoice finance helps unlock cash tied up in unpaid invoices. Asset or vehicle finance is commonly used to purchase equipment or machinery, and trade finance can help businesses pay suppliers and fulfil large orders. The right option will depend on your cashflow, trading history, and the purpose of the funding.
Because each product solves a different challenge, it can be helpful to compare multiple lenders and loan types before making a decision. That’s where a lending marketplace like Bizzy can help — allowing businesses to submit one application and compare funding options from multiple lenders side-by-side.
Want to explore funding options for your business?
If you're exploring business loan options in New Zealand, Bizzy allows you to compare lenders in one place without submitting multiple applications.
This article provides general information about different types of business finance products available in New Zealand, and is not financial advice, or a recommendation to acquire any specific product. Bizzy does not offer loans, financial advice, or personalised recommendations. All finance options are subject to the individual lender's criteria and terms. You must assess any lender or offer yourself, and consult with a qualified financial adviser, accountant, or lawyer before making any financial decisions.
