Unsecured Business Loans Maupuia NZ

Today, You'll Be Getting Ready For Success By Obtaining a Maupuia Business Loan

Unsecured Business Loans Maupuia

A Maupuia unsecured business loan is easy and quick to obtain. Apply for a loan quickly and start using the funds for your company.

  • Would extra funds help your company with working capital or in achieving the opportunity for growth?
  • What is the financing strategy you are using to fund your company requirements?

You can expect:

  • It’s easy to apply and receive approval and cash as quickly as tomorrow
  • Optionally no reayments in the initial four weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3 to 36 months
  • Competitive interest rates
  • Minimal docs required

The eligibility requirements for an unsecured business loan to be made in Maupuia are fairly minimal.

Call Now 0800 510 025
Business loans, particularly an unsecured business loan or line of credit for business financing require not be a difficult process. Business finance in the form in the form of small business loans at a fixed interest rate cost, and with a repayment time that is suitable for the requirements of your company budget.
Business Lenders for Business Goals
I can now hire an experienced marketer to help me take my business to the next level.
Growing Maupuia Business
Simple loan application procedure that comes with a high limit on borrowing, no requirements for credit and there is no requirement to submit a business plan. Do not use your personal credit card and company credit cards to finance your business.
Unsecured Loans Made Simple
I'm now able make coffee for my customers using the very best equipment.
Cafe Owner
I'm able to get my taxes back to keep me on track.
Small Business Owner
Business credit rates and repayment terms and flexible repayment options to fit the requirements of your business requirements.
Business Lending Options
I am now able to fund the remodel of our brand newly constructed Maupuia resturant without having to take cash from other restaurants.
Maupuia Resturant Owner
I am now able to take a holiday knowing I am confident that my Maupuia business will run without a hitch.
Local Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for the business loan in Maupuia with us is easy and takes only a few minutes, no piles of paperwork or long waits.

Be approved and receive your funds within 1-2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Maupuia businesses of all types, whether small, medium or soloprenuers to get access to money quickly, so that they can make use of the loan to build and expand their business.

  • It all starts with a simple online application or phone call
  • Flexible repayment terms that can be tailored to your company
  • Fast and prompt funding within a single day or two days
  • A team wanting both you and your business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for obtaining an unsecured business loan in Maupuia of between $5K and $100K are pretty minimal.

  • A minimum of six months in business
  • At least $6,000 revenue per month
  • You must be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for evidence of identity
  • You should have an account with a New Zealand bank as your main trading account
  • Bank statements from the past six months

Do you need more money? Find out the guidelines for eligibility for our $100K-$500K company loan.

Here's How Others Have Benefited

Examples of Business Loans

A plumber who has worked in the business for three years and has 80K in monthly sales was in search of additional funds. They were able to borrow $153K over a 36 month term. All that was needed were 12 months' worth of statements as well as confirmation of their status with IRD. The procedure was completed within a day and the plumber was able to access their working capital in ther account shortly thereafter.
Plumber
The owner of a modest grocery store doing $70K a month borrowed $76K over a 24 month period, with no payments for the first four weeks. The loan required 12 months of bank statements. The turnaround time was only 6 hours from the moment you applied to receiving the money.
Grocery Store Small Business Loan
The owner of a restaurant wanted to open a second restaurant and needed funds for the fit out. The bank they approached wasn't willing to help. The typical monthly income for them was $50K. They were able to borrow $66K for 24 months. The turnaround time was just 8 hours.
Restaurant Owner
With the busy Christmas season approaching, a clothing store required working capital in order to purchase more inventory and to take advantage of discounts offered by suppliers. They secured $20K over the course of 12 months, with no asset security required and had the funds within 24 hours.
Clothing Store
A gym that had been running for more than three years decided to increase its size and required additional equipment. With a monthly income of $37K, they borrowed $72K over a 24- month period. The loan was not secured for the loan and it was settled within 24 hours.
Gym
Simple eligibility checklist

Larger Maupuia Business Loan Eligibility Criteria

The criteria for eligibility in larger Maupuia business loans of between $100K and $500K consist of:

  • A minimum of 3 years of business
  • A minimum of $700K annually in revenue
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification proof
  • Have a New Zealand bank as your principal trading account
  • Bank statements from the last 6 months
  • Some financial statements such and Profit & Loss, and aged accounts Payable and Receivable

Do you require a smaller amount of capital? Look over the conditions for eligibility for our $5K-$100K Maupuia unsecured company loans.

Business Lending for a Cash Injection

What do you want to use the business loan in Maupuia for?

A Maupuia unsecured loan is great for nearly any company need. Talk to us today.

  • Renovate or expand a commercial premises
  • Hire more staff during busy periods
  • Increase stock levels to keep pace with demand
  • Create a new site or enhance your marketing
  • Make sure you invest in new equipment, tools or new technologies
  • Purchase additional stock to meet the seasonal demand
  • Manage cash flow fluctuations
  • And many more …

Do you want to begin one of these options as early as tomorrow? Then get in touch with us now or apply online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All that’s required to start is your contact details (the name of your company, your name, email address or phone number) along with the amount you’d like to lend, and your monthly income.

While in the process and before settlement we will require confirmation of your identity but not before we can begin:

  • Idenfication details (valid Driver’s License)
  • Details of the company including time of trading, ownership details , and the NZBN (New Zealand Business Number)

Once we’ve started, for loans that exceed $150,000, you’ll also need basic financial statements.

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started.

 

Here's How Others Have Benefited

Examples of Business Loans

When they purchased a pizza store as well as two liquor stores 6-12 months prior, the new owners were seeking more funds. The overall revenue was 500K per month. They could have borrowed $300K. This was then split as $100K for each store using the option of 24- and 36 month terms. No security over the owners homes was needed.
Owner of a Pizza Store & 2 Liquor Stores
The owner of a modest grocery store that earned $70K per month borrowed $76K over a 24 month period, with no payments during the initial 4 weeks. The loan required 12 months of bank statements. Turnaround time was just 6 hours from submitting the application to receiving the money.
Grocery Store Small Business Loan
The owner of a restaurant wanted to open a second location and needed funding to remodel. Their bank wasn't interested in helping. The average monthly income for them was $50K, and they borrowed $66K over 24 months. It took only 8 hours to get access to the funds.
Restaurant Owner
A business coach was seeking to invest in a health and beauty business. With just a little more than $12K in monthly revenue the company borrowed $24K over 24 months. The loan was based on twelve months worth of statements and was completed in just 8 hours.
Business Coach
An interior designer had spotted an opportunity to increase the size of their company and needed working capital to finance the expansion. With an annual revenue of $300K they borrowed $250K over the course of 24 months. Turnaround time for them was just two days, and all they had to present were 12 months worth of banking statements IRD confirmation, as well as trust deed.
Interior Designer

Unsecured Business Loan Maupuia NZ 6022

The lending landscape has changed

With traditional lenders and banks tightening their credit terms and the constant stream of non-bank and alternative loan providers entering the market provides an incredible source to access.

Maupuia SME’s are now capable of accessing finance through alternative lenders that service Maupuia who are focused on enabling business growth or smoothing problems with cash flow. The past was when private credit options (drawing equity from a house loan or credit cards or personal loans, as well as overdrafts) could be the best alternative financing solutions in Maupuia that were around.

There is now there is no need in the present to rely on real estate to secure company loans. With an unsecured loan business funding is made simple. Instead of a term loan through a bank, business finance for a small business with interest rates and loan terms that aid to manage cash flow are available as business lending options.

 

 

High level summary

Separate personal and business debt

There are numerous benefits with the separation of personal and company debt.

  • Your home, or other investments, aren’t tied up to allow access to funds
  • It is the company has a more favourable position to build its own credit history
  • It’s significantly more straightforward for tax time
  • Businesses can easily view their cash flow, monitor and plan based on being able to easily examine their cash flow status

Limit your exposure, make tax time much easier. Get started with an unsecure busines loan. Apply today.

For those who like the detail

Separate personal and business debt

Risk

One of the main benefits of keeping your private and company assets apart is that your home isn’t tied to allow access to the funds. For a small business loan in Maupuia up to $100K, asset security will not be required so long as the borrower meets the loan requirements.

Credit history

Companies will be in a favourable long-term financial position if they are able to demonstrate credit/debt ability to service.

Tax

The separation of personal as well as business financial accounts makes it more seamless with regards to tax time - especially when it comes to determining the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has outlined the guidelines on the proof required to claim deductions on an organisation’s tax return. This is a subject that the IRD have specifically advised on.

Cash flow

Effective cash flow management is crucial to the long-term viability for any business. Through maintaining personal as well as business finances distinct, businesses can easily view their cash flow, plan and monitor it based on their ability to easily determine their cash flow status.

I'm now able fund the fitout of our newly constructed Maupuia resturant without having to take cash from other ones.
Maupuia Resturant Owner
Simple loan application procedure that comes with a high amount of borrowing capacity, a low requirements for credit, and there is no requirement to create a business plan. You no longer need to use your personal credit card and business credit cards to finance your business.
Unsecured Loans Made Simple
Business loans with interest rates and repayment terms and flexible repayment options that can be tailored to the requirements of your business requirements.
Business Lending Options
I'm now able make the coffee I serve my clients using the best equipment.
Cafe Owner
I'm now able to hire a marketing expert to help me take my business to the next step of business growth.
Growing Business
Business loans, in particular an unsecured business loan or line of credit for business funding need have no stressful procedure. Business finance can be in the form in the form of small business loans at a fixed interest rate cost, and with a repayment time that will suit the needs of your business budget.
Business Lenders for Business Goals
I'm able to get my taxes back on time.
Small Business Owner
I'm now able take a holiday knowing I am confident that my Maupuia company will run well.
Local Business Owner
FAQ: business lending & business loans for business owners

Business Loans Frequently Ask Questions

Information About The Maupuia Small Business Loans

Let me know what you think of the Maupuia Small Business Loans

Maupuia unsecured loans provides amounts between $5,000 and $100,000 with terms between 3 and 24 months. They also offer cash flow-friendly repayments, which are either daily or weekly.

What is how is the Unsecured Loan different from the traditional business loan?

The application for the Small Business Loan in under 10 minutes via the internet or by phone. You will receive an instant response and funds may be in your account in 24 hours. Traditional business loans are based on an annual interest rate together with additional fees and charges. Our business loan is a loan that is priced upfront so you will be aware in advance of the total amount payable including the interest, fees and charges. Then, it is broken down into either a daily or weekly repayment figure.

What can be the Small Business Loan be used for?

It is a Small Business Loan can be used for virtually every company use, including the management of cash flow, company renovations, marketing for purchasing inventory or new equipment, for general working capital, and much more. The loan is not available for personal reasons.

Concerning Larger Maupuia Business Loans

What is the Larger Maupuia Business Loan?

The Larger Business Loan is a larger loan size to support business growth opportunities. Loans range between $100,000 and $500,000 with a fixed-term with a maximum of 36 months. Repayments are scheduled weekly or fortnightly depending on you cashflow.

How’s the Origination Fee determined?

A Larger Business Loan has an Origination Fee, which is determined at 2.5 percentage of the amount of the loan.

Can I get the Larger Business Loan?

To be eligible for a loan that is this large the business needs to have been trading for at least 3 years with an annual turnover of at least $700,000. It is necessary to be a New Zealand Citizen (or Permanent Resident) who is over the age of 18 as well as own a New Zealand business (with a valid NZBN/IRD) and be able to prove at the least 12 months of operating.

How can the funding be utilised?

A larger company loan can be used for nearly every business purpose including business renovations, purchase of equipment or inventory for general working capital, and much more. The loan is not available for personal use.

Is the Larger Business Loan a secured loan?

Asset security is necessary for funding of more than $150,000. It’s by way of charge over assets, and could include the registration of this on the PPSR or registering a caveat.

A director’s or personal guarantee is a guarantee to repay credit that is general in nature rather than specifying security over an asset. The person signing the guarantee is personally accountable if the company borrower is unable to repay the debt.

The Personal Property Securities Register (PPSR) is a central, national online registry run by the New Zealand Government. It reflects security interests granted to individuals who own personal property (including goods or assets). The PPSR permits priority over personal property to be granted according to the date a registration of a security interest.

The caveat can be described as a formal document filed to offer an official notice of a claim to a property.

What is a pre-approval that does not require Credit Check?

If you’re applying for larger business loans of $250,000 or more it is possible to offer an initial pre-approval in order to make the process. We may be able to apply for this without a credit check and within six hours of your initial application. The pre-approval process is based on an initial evaluation that involves the answer to a series of financial health checks. It’s in no way an offer, nor is it a guarantee of funds. The approval of a conditional loan is subject to an extensive credit evaluation and any offer that you are offered could be subject to different conditions.

The application process

Do I qualify for funds?

You can apply for a company loan if you;

  • are a New Zealand Citizen (or Permanent Resident)
  • are at least 18 years old, own a New Zealand business (with a valid NZBN/IRD)
  • you must demonstrate at minimum 6 months of business (for a unsecured loan $5K – $100K) or 3 years of trading (for the Larger Business Loan $100K to $500K)

How do I apply?

The process for applying is fast and easy. Just fill out the online application in few minutes and an experienced business loan specialist will contact you to guide you.

To be eligible for up to $100,000 you’ll need proof of identity (valid Driver’s Licence) as well as a valid NZBN/IRD as well as at least 6 months’ worth of bank statements.

If you’re looking for loans with larger sizes, you’ll also require:

$100K – $250K: Information about the application including credit consent, 6-12 months of IRD statements, bank statements (if you have a loan of more than $150K).
$250K to $500K: Information on the application including credit consent as well as 12 months bank statement, an IRD statements Last 2 years’ finalised financial statements, as well as interim financials from the current financial year such as age-related payables and aged Receivables summary.

What speed will I be able to get an answer?

For an unsecured loan ($5K and up) we typically offer a response in one hour – as long as you make your application during quality company timings and let us utilise the advanced bank verification system link to immediately verify your bank account information online. If you opt to send us copies of your bank statements we can offer a decision in just one business day.

For Larger Business Loans ($100K and up) we may be able to provide you with pre-approval conditional to your application in about six hours. After you’ve signed the pre-approval, turnaround times are between 2 and 3 days for the final approval, however it could be faster based on the circumstances of each application. Some offers have been approved in less than 24 hours.

The quickest method for you to apply is make sure you apply during normal company hours, and let us use the advance bank verification link to instantly verify your bank account information online. If you choose to send us documents from your account accounts, it can take a bit longer.

How fast will I get the money?

For the Small Business Loan ($5K to $100K) We can usually provide an answer in just one hour – provided you apply in standard business time and let us make use of the advanced bank verification system link to instantly verify your bank information online. If you want to upload copies of your banking statements, we’ll be able to offer the decision in as little as one business day.

If you are applying for Larger Business Loans ($100K up to $500,000) we could be capable of provide the conditional pre-approval in around six hours. After you’ve signed the pre-approval form, it will take around 2-3 days for final approval, however this can be faster depending on the particular circumstances of each application. Some offers have been approved within just 24 hours.

The most effective method is to ensure you apply during normal business hours. You can also allow us to use the advanced bank verification system to check your bank’s information online. If you decide to upload the copies of bank statements, it may take a bit longer.

How much can I borrow?

We offer loans that range from $5,000 to $500,000. When you submit an application for a specific amount we look at a variety of elements for determining what is the well-being for your company and the amount of repayments your company will be able to support. The amount you receive from your loan will be contingent on the particular circumstances the business.

When you make an application for a certain amount, we look at a range of aspects to assess your health of your company and the extent of repayments that your company can afford. The total amount of your loan will depend on the particular circumstances that are unique to your business.

Fees & repayments

What is the cost for a business loan?

If you decide to apply for business loans with us business loan, we will assess the risk assessment that you have for your company and offer you with a customised offer including loan amount, term and the interest rates. The company loan is an upfront cost loan which means you know in advance the total amount due, which includes any charges or interest.

What is the basis for the rate I’m charged?

Business loan interest rates depend on several factors including the amount that is borrowed, what business assets the money will be used for in addition to the industry that the company operates in, how long the business is in operation for, what percentage of the business has sufficient cash flow to cover the loan, and general health or financial standing of the company.

What are the cost?

There aren’t any hidden charges with our company loans. You’ll know precisely what it is that you be required to pay and when, from the very first day. There’s no compounding and no extra fees (as as you make your payments on time).

We do not charge an application fee. You can apply for a loan with no upfront cost or obligation to proceed.

The Origination Fee covers the expenses involved with the setting up and management of the loan. The only way to pay this fee if you proceed with the loan. Our Origination Fee is 2.5 percentage of the amount of loan.

Can I pay out the loan early?

You may choose to pay back all of your advance loan at any time.

If you are deciding to do this please speak to our friendly business lending specialists. We will offer you with details for repayment and an early payment figure. This is calculated as the total of the principal remaining plus any accrued interest as of the time of early payment, plus 1.5 percent of the remaining principal plus any outstanding fees.

How do you make repayments work?

To ensure you do not miss payments and to work your cash flow schedule, we provide payments that are either daily or weekly. These are automatically deducted from your designated company account.

Security & privacy

Will my data be protected?

Making sure that your information is secure, and being upfront about the ways we gather information, use it, and exchange it, as well as safeguard your data, is of huge importance and a vital element of our relationship with you.

Is it safe to link my bank account to the platform?

Yes. We use industry recognised encryption standards to secure your personal, sensitive as well as financial data. Our funders are ISO 27001 certified for our commitment to the security of our clients as well as their privacy. We employ an exceptionally sophisticated banking verification system to instantly confirm your bank account information online, allowing us to provide an immediate response.

About business loans

How do you define asset-based lending (a secured loan)?

The term "asset-based" refers to borrowing where the company owner uses the assets they have to obtain the funds for a loan. The asset can be an individual property, such as the family home or an business property like a truck as well as a piece of machine.

The vast majority of lending institutions, including the largest banks, are inclined to secure loans against an asset. If you are having difficulty paying back the loan, then your asset may be offered for sale by the lender. In essence, it’s a way of securing new funding taking advantage of the value of what you already have.

Should I need security to get a business loan?

Up to $150,000 in loans no asset security is required upfront to access the money, however we do need the personal guarantee. So long as you comply with the terms of your loan (as stated in your loan contract) Asset security will never be needed. For loans that exceed $150K, generally, you can get a personal ensure and security in the form a charge over assets.

Industries we currently aren't able to help with

  • Adult related industries
  • Auction houses or auction websites
  • Debt purchasers or debt collection agencies
  • Direct marketing such as direct-mail, mail order, fundraising, telemarketing etc.
  • Financial institutions or lenders
  • {Firearm dealers
  • Foreign currency exchange solutions
  • Customs clearing houses and freight forwarding
  • Anything gambling related
  • Not-for-profit organisationsincluding charities and churches etc
  • Panel beaters & smash repairers
  • Pawn shops and pawnbrokers
  • Property developers
  • Investment business, shares and stockbrokers
  • Tattoo studios
  • Taxi or ride-sharing services
  • Entertainment sales and ticket resellers
  • Vehicle towing services
  • Used automotive dealers
  • Car glass tintingfirms
  • Car wrecking yards

Although we can’t help with an unsecured business loan for the above industries, we might be able assist by providing an secured business loan.

Unsecured Business Lending NZ Services

Unsecured Business Loans

Unsecured Business Loans

Eligibility Requirements

Eligibility Requirements

Apply Now

Apply Now

Contact Us

Contact Us

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0800 510 025