Supporting New Zealand small businesses for 5 years.

Frequently Asked Questions

You can apply for an unsecured business loan in under ten minutes and receive a fast approval outcome – often in as little as one hour. We proudly offer a completely online application process with quick settlements on approval (usually expect to receive funds the same business day).

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At Unsecured Finance we like to help out customers keep their payments affordable and offer all our business loans across a 24-month period. For those wishing to pay off their loans early, often a discount is offered.

At Unsecured Finance New Zealand we like to keep things simple. Unlike the big banks who require huge amounts of information about your business, we just require the basics.

We need to identify who you are, and often, a drivers licence is all we need to do this.

Loans $20,000 to $50,000 we require the last six months of your businesses banks statements.

Loans $50,000 to $300,000 we will need a little more information:

  • The last 6 months of banks statements for your business.
  • The most recent financials showing incomings and outgoings.

Our team works hard to ensure all business loans are approved in 2 working days or less. However, most of our loans are approved within 24 hours.

The online application process is quick and easy, and should only take about 10 minutes to complete.

Unsecured Finance New Zealand offer short term unsecured business loans from $20,000 to $300,000. Just like a secured loan, the maximum amount you can borrow is determined by the amount of revenue and cashflow coming through your business.

To quality for an Unsecured Finance Business Loan you will need to have the following:

  • A business with 6 months trading history.
  • Turnover in excess of $5,000 per month
  • Regular cash flow (daily, weekly or monthly)

At Unsecured Finance New Zealand we understand that every business is different and therefore the same loan or rate will not suit every business. As such, the interest rates on our loans change depending on the health of your business and its cashflow. Once you have submitted your application and we have assessed your application, we will then be able to provide you with a summary of how much you can borrow, the interest rate on your loan and a break down of any fees or charges.

At Unsecured Finance New Zealand we understand growing your business is important, so our team works hard to get your funds to you as soon as possible.

If you apply before 4pm on a business day and you application is approved, we can usually have the money in your account the same business day.