Unsecured Business Loans Maupuia NZ

Today, You'll Be On The Right Track To Success By Obtaining a Maupuia Business Loan

Unsecured Business Loans Maupuia

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

  • Would extra funds help your business with working capital or in achieving a growth opportunity?
  • How do you finance your company requirements?

What to expect:

  • Easy to apply and be approved for funds as soon as tomorrow
  • There is no option to remittances in the first 4 weeks
  • From $5k to $500K in loans
  • Terms from 3-36 months
  • Competitive rates of interest prices
  • Minimal docs needed

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

Call Now 0800 004 520
I am now able to make coffee for my customers with the very best equipment.
Cafe Owner
Business business loans, interest rates and repayment terms, as well as flexible repayment options that can be tailored to you business requirements.
Business Lending Options
I'm able to get my tax back in order.
Small Business Owner
I'm now able to finance the renovation of our newly constructed Maupuia resturant without having draw cash from other resturants.
Maupuia Resturant Owner
Business loans, in particular an unsecured unsecured business loan or line of credit to business financing require to not become a tense procedure. Business finance in the form in the form of small business loans at a fixed interest rates and repayment period that fits the requirements of your company financial needs.
Business Lenders for Business Goals
A straightforward loan application process with a huge amount of borrowing capacity, a low requirements for credit, and no requirement to provide a business plan. Don't use your personal credit card or company credit cards as a way to finance your company.
Unsecured Loans Made Simple
I'm now able to hire an professional marketer to boost my business to the next step.
Growing Maupuia Business
I'm now able to go on an extended vacation knowing that my Maupuia company will run well.
Local Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for business loans in Maupuia company loan in Maupuia with us is easy and takes only a few minutes, no piles of paperwork or long waits.

Approved and receive funds in 1-2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

Our goal is to assist Maupuia companies of all types, whether small, medium or entrepreneurs to obtain funds quickly so that they can make use of the loan to grow and build.

  • It starts with an easy online application or phone call
  • Flexible repayment terms to suit your business
  • Fast and prompt funding within a single day or two days
  • A team wanting you and your business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The criteria for eligibility for an unsecured business loan in Maupuia of between $5K and $100K are fairly minimal.

  • At least 6 months in business
  • At least $6,000 of revenue per month
  • You must be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as evidence of identity
  • Have an account with a New Zealand bank as your primary account for trading
  • Bank statements from the past 6 months

Do you need more money? Review the eligibility requirements for our $100K-$500K company financing.

Here's How Other People Have Benefited

Examples of Business Loans

The busy Christmas season was approaching, a clothing store needed additional working capital to finance additional inventory and benefit from the discount offered by suppliers. They took out a loan of $20K over a period of 12 months with no collateral for their assets, and they had the funds in 24 hours.
Clothing Store
After purchasing a pizza place and two liquor stores 6-12 months earlier the new owners were looking for additional cash. The total revenue of the two stores was more than $500k per month. They could have borrowed $300K, split out as $100K per store on the option of 24- and 36 months. No security over the owner's homes was required.
Owner of a Pizza Store & 2 Liquor Stores
The owner of a modest supermarket that was making $70K a month borrowed $76K over a 24 month period with no repayments for the first four weeks. This had a requirement of 12 months' bank statements. The turn around time was 6 hours from the time of application until receiving the money.
Grocery Store Small Business Loan
A plumber who's been in business for three years with 80K in monthly sales was in need of more funds. They took out a loan of $153K for a 36 month term. All that was required was 12 months of bank statement and confirmation of the status with IRD. The procedure was completed within just a few hours and the plumber got their extra working capital in ther account within a short time.
Plumber
A company coach was seeking to invest in the health and beauty company. With just under 12K in revenue per month the company borrowed $24K over 24 months. The loan required 12 months of bank statements and was done in only 8 hours.
Business Coach
Simple eligibility checklist

Larger Maupuia Business Loan Eligibility Criteria

The criteria to be eligible for the larger Maupuia company loans of between $100K and $500K include:

  • Minimum of 3 year’s experience in business
  • At least $700K in annual revenue
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for identification proof
  • Use an account with a New Zealand bank as your principal account for trading
  • Bank statements from the previous 6 months
  • Certain financial statements include Profit & Loss, and aged accounts Payable and Receivable

Are you looking for a lower amount of funding? Take a look at the guidelines for eligibility for our $5K to $100K Maupuia unsecured business 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 every company need. Talk to us today.

  • Add or remodel a commercial premises
  • Grow the team for busy periods
  • Grow stock quantities to meet demand
  • Create a new site or improve your marketing
  • Make sure you invest in new equipment, tools or technological advancements
  • Purchase extra stock to cover the seasonal demand
  • Control cash flow fluctuations
  • Plus lots more …

Do you want to start working on one of these as soon as tomorrow? So, contact us today or send an application online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All that’s required for starting is your contact details (the name of your company, your name, email and phone), how much you’d like to lend, as well as your monthly income.

Through the process and before settlement we’ll require confirmation of your identity, but not before we can begin:

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

Additionally after we get started, for loans that exceed $150,000, you’ll also require basic financial statements:

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started now.

 

Here's How Others Have Benefited

Examples of Business Loans

An interior designer had noticed an opportunity to expand their company and needed working capital to finance the growth. With a monthly revenue of $300K they borrowed $250K over 24 months. Turnaround time for them was just two days, and all they needed to provide is 12 months' worth of Bank statements along with IRD confirmation and their trust deed.
Interior Designer
A company coach was looking to invest in the health as well as beauty business. With just under $12K in monthly revenues, they borrowed $24K over 24 months. The loan required the submission of 12 months' bank statements and was completed in less than 8 hours.
Business Coach
With the busy holiday season approaching, a clothing store required working capital in order to fund extra stock and also benefit from a supplier discount. They were able to borrow $20K for 12 months, with no security of assets required. They received the funds in 24 hours.
Clothing Store
The owner of a tiny grocery store making $70K a month borrowed $76K over a 24-month term , without making any repayments for the first four weeks. This was contingent on 12 months of bank statements. The time to turn around was just six hours from the moment you applied to receiving the money.
Grocery Store Small Business Loan
A restaurant owner wanted to open another restaurant and needed funds for the remodel. The bank they approached wasn't willing to help. The typical monthly income for them was $50K and they were able borrow $66K for 24 months. The turnaround time was 8 hours.
Restaurant Owner

Unsecured Business Loan Maupuia NZ 6022

The lending landscape has changed

In the wake of traditional lenders and banks tightening credit conditions as well as the continuous stream of alternative and non-bank loan providers that are entering the market provides an incredible source for you to access.

Maupuia SME’s are now capable of accessing finance through alternative lenders that service Maupuia who are focused on enabling business expansion or smoothing out the cash flow problems. The past was when personal credit sources (drawing equity from the home loan or credit cards and personal loans as well as loans) were the only alternative funding services available in Maupuia that were around.

There is now no need of having to depend on using real estate to secure business lending. With an unsecured loan business funding is made simple. Instead of a traditional term loan from a bank, business finance for an SME with interest rates and loan terms that aid with cash flow are around as business loans.

 

 

High level summary

Separate personal and business debt

There are many benefits in separating personal from business debt.

  • Your home or other investments, aren’t tied up in order to access funds
  • It is the company will be in stronger position to create its own credit history
  • It is substantially more seamless for tax time
  • Businesses can easily assess, monitor and plan based on being able to easily assess their cash flow position

Lower your risks, make the tax process easier, get started with an unsecure company loan, apply today.

For those who like the detail

Separate personal and business debt

Risk

The main benefit of keeping your business and personal business assets apart can be that your home isn’t necessarily tied up to allow access to the funds. In the case of a business loan within Maupuia up to $100K an asset security agreement will not be needed as in the event that the borrower has met the loan requirements.

Credit history

Companies are in a favourable long-term position if they have a good credit or debt serviceability.

Tax

It is important to separate personal from company finances makes it significantly more seamless with regards to tax time, particularly when determining what is the tax-deductible allocation. The IRD has set out the guidelines on the proof required to be able to claim deductions on an individual’s tax return. This is an area the IRD has advised specifically on.

Cash flow

A well-organised cash flow management system is essential to the longevity for any company. Through maintaining personal as well as company finances separate, companies can easily view, monitor and plan based on the ability to clearly assess their cash flow position.

I'm now able to hire a marketing expert to take my business to the next level of business growth.
Growing Business
I'm now able to finance the remodel of our brand newly constructed Maupuia resturant without having draw cash from other restaurants.
Maupuia Resturant Owner
An easy loan application process that comes with a high limit on borrowing, no requirements for credit and there is no requirement to provide a business plan. Don't use your personal credit card or company credit cards as a way to fund your company.
Unsecured Loans Made Simple
Business loans, especially one that is an unsecured business loan or line of credit for business funding require not be a stressful procedure. Business finance in the form in the form of small business loans at a fixed interest rate and repayment term which is compatible with your business cash flow.
Business Lenders for Business Goals
Business credit rates and repayment terms, as well as flexible repayment options to fit the needs of your company requirements.
Business Lending Options
I am now able to make beverages for customers using the very best equipment.
Cafe Owner
I'm now able to go on vacation knowing that it is safe knowing that Maupuia business will run well.
Local Business Owner
I'm able get my tax back to keep me on track.
Small 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 more about Maupuia Small Business Loans

Maupuia unsecured loans offers the range of $5,000 to $100,000. Terms range from 3 and 24 months. They also offer cash flow friendly repayments that are either per day or weekly.

What is what makes the Unsecured Loan different from an traditional company loan?

Apply to get this Small Business Loan in under 10 minutes by phone. You will receive an answer within the same day and the money could be available in just 24 hours. Traditional company loans refer to an interest rate per annum along with other charges and fees. Our company loan is a cash-based loan and you’ll be aware of the total amount due, which includes any fees, charges or charges. This is then broken down into a daily or weekly payment amount.

What can be the Small Business Loan be used for?

A Small Business Loan can be used for virtually every company use, including cash flow management, company remodeling, marketing, to purchase inventory or new equipment, to fund general working capital and so much more. The loan cannot be used for personal use.

About larger Maupuia Business Loans

What is the Larger Maupuia Business Loan?

The Larger Business Loan is a larger loan size to support company growth opportunities. Loans range from $100,000 to $500,000 with a fixed-term up to 36 months. Repayments are weekly or fortnightly in order to accommodate your cash flow.

How is the Origination Fee calculated?

This Larger Business Loan has an Origination Fee which is calculated at 2.5 percent of the loan amount.

Am I eligible for the Larger Business Loan?

To be eligible for a loan of this size the business needs to have been trading for at least 3 years, and have an annual income of at least $700K. It is necessary to be a New Zealand Citizen (or Permanent Resident) at least 18 years old and have a New Zealand business (with a valid NZBN/IRD) and be able demonstrate at minimum 12 months of continuous trading.

What can the funding be used for?

A large business loan can be used for nearly every business need, including company remodeling, buying new equipment or inventory, as general working capital, and much more. The loan cannot be used for personal reasons.

Is the Larger Business Loan a secured loan?

Asset security is needed to obtain funding above $150,000. This can be done as a result of an charge on assets, and may include registering this with the PPSR or filing a caveat.

A personal or director’s guarantee is a guarantee to pay off a credit line that is generally based rather than stipulating the security for a particular asset. The person who is signing the ensure is personally liable in the event that the company borrower is unable to make the repayment.

The Personal Property Securities Register (PPSR) is an online central register operated by the New Zealand Government. It lists security interests that are which are registered with respect to personal property (including items or assets). The PPSR gives the priority of personal property granted depending on the date that a security interest has been registered.

An affidavit is an official document that is filed to provide the legal claim to a property.

What is a pre-approval without Credit Check?

If you’re applying for the Larger Business Loan of $250K or more it’s possible to offer an initial pre-approval that will help smooth out the process. It is possible to get this done without a credit check and within 6 hours of the initial application. This pre-approval is made based on a preliminary assessment which includes the answer to a series of financial well-being checks. It is not an offer of credit or guarantee of finance. A conditional approval is subject an exhaustive credit evaluation, and any offer that you are offered could be on different conditions.

Application process

Are I eligible for funding?

You are eligible to apply for an business loan if you;

  • are a New Zealand Citizen (or Permanent Resident)
  • are 18 years or older, own a New Zealand company (with a valid NZBN/IRD)
  • must show at least six months of trading (for the unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K - $500K)

How do I apply?

The process for applying is fast and simple. Complete the online form within a few minutes and an experienced business lending specialist will contact you to assist you.

For a loan of up to $100,000, you’ll need ID details (valid Driver’s License) along with an NZBN/IRD that is valid and at least six months worth of bank statements.

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

$100K to $250K: Application details including credit consent, 6 – 12 months of IRD statements, bank statements (if loan above $150K).
$250K to $500K: Details of the application, including credit consent and 12 months of bank records, IRD statement as well as the two most recent years’ financial statements, as well as interim financials from the current financial year, Aged Payables and Aged Receivables summaries.

How quickly will I receive an answer?

For an unsecured loan ($5K and up) we can often provide an answer in just one hour if you apply in quality company times and permit us to utilise the bank verification system link to immediately verify your bank account information online. If you want to submit copies of your bank statement, we’ll offer a decision in just one business day.

If you are applying for a Larger Business Loan ($100K to $500K) we may be capable of offer the conditional pre-approval within six hours. Once you have signed the pre-approval, the turnaround time is around 2-3 days for final approval, however this could be shorter based on the specifics of each application. Some transactions have received approval within less than 24 hours.

The fastest way would be to ensure you apply during standard company hours, and allow us to use our advance bank verification link to instantly check your bank’s information online. If you send us the copies of bank accounts, it may take a bit longer.

What is the time frame to receive the money?

For the Small Business Loan ($5K to $100K) we usually offer an answer within one hour, provided you apply at standard business timings and permit us to use the bank verification system link to instantly verify your bank’s information online. If you want to upload copies of your banking statement, we’ll provide a decision in as little as an business day.

For Larger Business Loans ($100K up to $500,000) we might be capable of provide you with pre-approval conditional to your application within about six hours. After you’ve signed the pre-approval document, you will need to wait between 2 and 3 days for the final approval. However, this can be faster depending on the specifics of each application. Some agreements have been approved in the space of 24 hours.

The fastest way is to make sure you apply during standard business hours. Also, permit us to use the sophisticated bank verification link to check your bank’s information online. If you opt to send us documents from your account accounts, it may take a bit longer.

What is the maximum amount I can borrow?

We provide loans that range from $5,000 and $500,000. If you apply for a certain amount we look at a variety of variables in order to assess your well-being of your company and the amount of the repayments your business will be able to support. The total amount of your loan will depend on the specifics the business.

When you apply for a specific amount we consider a variety of variables to determine the well-being of your business as well as the amount of payments your business can support. The total amount of the loan will be determined by the particulars that are unique to your business.

Fees & repayments

What is the cost for a business loan?

When you make an application for the business loans, we’ll assess the risk assessment that you have for your business and offer you with a customised proposal that includes the amount of loan, the term and the interest rates. It is a business loan is an upfront priced loan therefore you will be aware of the total amount payable including any charges, interest rates or fees.

What determines the rate that I pay?

Interest rates for business loans rates vary due to factors such as the amount that is that is borrowed, what business assets the money are used to purchase as well as the field the company operates in, the long the company has been running and whether the business has sufficient cash flow to support the loan, and general health and creditworthiness of the business.

What are the charges?

There aren’t any hidden costs with our business loans. You’ll be aware of the amount you’ll need to pay and when, from the first day. There’s not any compounding interest and no extra fees (as as long as you pay your payments on time).

We do not charge an Application Fee. You are able to make an application for loans with no cost upfront or obligation to proceed.

The Origination Fee includes the expenses associated with establishing and managing the loan. The only way to pay this fee if you decide to take the loan. Our Origination Fee is 2.5 percentage of the loan amount.

Do I have the option of paying off the loan early?

You can choose to repay all of your loan at any point in time.

If you choose to take this route, please talk to one of our helpful business loan professionals. The specialists will provide you with the details of your repayment as well as an early payout amount. This is calculated as the total of the principal balance and any accrued interest at the date of early payout in addition to 1.5 percent of the remaining principal and any fees that remain unpaid.

What is the process for repayments?

In order to help you avoid missing repayments and to fit in your cash flow schedule, we provide repayments either weekly or daily. They are automatically deducted from your nominated company account.

Security & privacy

Will my data be secure?

Security of your data, and being clear about how we collect data, process, exchange and ensure the security of your information is vital and a vital part of our relationship with you.

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

Yes. We employ industry-recognised encryption protocols to safeguard your personal, sensitive financial and other data. Our funders are ISO 27001 certified for our commitment to customer security and privacy. We use an advanced bank verification system that allows you to immediately verify the bank account details online. This allows us to offer a fast response.

About business loans

What is asset-based borrowing (a secured loan)?

Asset-based borrowing occurs when the company owner makes use of an asset they own to secure the funding. The asset could be a personal asset like the family home or a business asset like a truck or other piece of machinery.

The vast majority of lenders, even the major banks, prefer to secure loans against an asset. If you have trouble paying back the loan then your assets could be sold by the lender. In essence it’s a way of securing additional financing using the value of what you already own.

What do I need security to secure an business loan?

For loans that exceed $150,000, the requirement for asset security is not required in advance to gain access to the funds but we do require an individual guarantee. As long as you follow your loan commitments (as stipulated in your loan contract) and you are able to meet your obligations, asset security will never be needed. For loans that exceed $150K, generally, there is personal guarantee and security in the form of charges on assets.

Industries we currently aren't able to help with

  • Anything adult industry related
  • Auction websites & auction houses
  • Debt purchasers and debt collection companies
  • Direct marketing including direct-mail, mail order, fundraising, telemarketing etc
  • Financial lenders and institutions
  • {Firearm dealers
  • Foreign currency exchange offerings
  • Freight forwarding and customs clearing houses
  • Business involved with gambling
  • Not-for-profit organisations such as charities and churches etc
  • Panel beaters & smash repairers
  • Pawn shops or pawnbrokers
  • Property development
  • Investment business, shares & stockbrokers
  • Tattoo palours
  • Ride-sharing and taxi services
  • Entertainment sales & ticket resellers
  • Vehicle towing services
  • Secondhand automotive companies
  • Vehicle glass tintingservices
  • Car wrecking yards

Although we cannot assist with an unsecure business loan in those industries, we might be able assist with 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

Contact Us

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0800 004 520