How it works
How arranging SME finance works
You tell us what the money is for in a 60-second enquiry, a lending specialist calls to understand the business and security, we set out the options that fit, and once you choose one and it is approved, funds are released.
- 01
Tell us the purpose and the amount
The online enquiry asks for the essentials: what the business does, what the funding is for, roughly how much, and whether property is available as security. It takes about 60 seconds. It is not a credit application and does not touch your credit score.
- 02
A lending specialist calls you
The call is a conversation, not an interrogation. The specialist wants to understand the business, how long it has traded, the purpose, the timing, and the security available. If a deadline is involved, such as a finance condition on a business purchase or an IRD demand, say so early.
- 03
You see the options that fit
Most needs are met by one of two routes, or a combination:
Property-secured Unsecured Amount $20,000 to $1m Based on turnover First look needs No financials or tax returns Business bank statements Credit Case by case Weaker credit considered Speed Funding within 24 hours of approval in some cases Decisions sometimes same day Every loan is priced on the business's individual circumstances, and all costs are set out before you commit.
- 04
Application, approval and funding
Once you choose an option, the specialist tells you exactly what the lender needs. For property-secured loans that usually includes property details, a valuation and signed loan documents, with independent legal advice where a supporting party provides security. For unsecured facilities it is usually bank statements and identification. After approval and signing, funds are released.
Process questions
How long does the whole process take?
It depends on the route. Unsecured decisions are sometimes made the same day once bank statements are provided. Property-secured loans involve a valuation and legal documents, and in some cases funding is possible within 24 hours of approval.
Is there a cost to enquire?
No. The enquiry is free and does not affect your credit score.
Will I have to provide financial statements?
Not for the initial assessment of a property-secured loan. Unsecured facilities are assessed mainly on business bank statements. Larger or more complex requests may need more information later.
Am I obliged to go ahead after the call?
No. You can take time to consider the options, talk to your accountant, or decide not to proceed.
Next step
Talk it through with a lending specialist
Tell us what the money is for and roughly how much. The enquiry takes about 60 seconds, costs nothing and does not touch your credit score.