Business loans for Kiwi businesses, sorted fast
Unsecured loans and fast 1st or 2nd mortgages from $20,000 to $500,000. One simple application, matched to the right lender, with next-day funding possible.
- No mark on your credit file to enquire
- No property needed for unsecured loans
- Bad credit considered
- Never shopped around to dozens of lenders
The business loans Kiwi owners ask us for most
Whatever's going on in your business, there's usually a way to fund it. Start with the one that sounds like you.
Unsecured business loans
No property needed in most cases. $20,000 to $500,000 based on how your business trades.
Cash flow loans
Bridge the gap between paying out and getting paid, sized on your bank statements.
Fast second mortgages
Fast, flexible 2nd mortgages. Keep your bank loan as it is. Bad credit OK.
Fast first mortgages
Fast private 1st mortgages when the bank is too slow or has said no.
IRD tax debt loans
Clear IRD debt in one hit and stop penalties and interest stacking up.
Bad credit business loans
Defaults or past arrears? We look at the whole story, not just a score.
Unsecured or property-backed? Pick your lane.
The biggest choice is whether you put property up as security. Here's how the two compare.
Unsecured business loan
$20,000 to $500,000
- No property needed in most cases
- Assessed on how your business trades, usually from bank statements
- Great for cash flow gaps, stock, wages, growth and IRD debt
- Fast decisions on a simple application
Fast 1st or 2nd mortgage
$20,000 to $500,000
- Secured against residential or commercial property
- No cash flow or financial records needed
- Bad credit OK. Keep your bank loan untouched with a 2nd mortgage
- Fast settlement through a private lender
Read the full comparison: unsecured loan vs second mortgage →
From application to funded, without the runaround
Apply in about 30 seconds
Tell us how much you need and what it's for. It's free and won't mark your credit file.
An expert reviews it
A real person looks at your situation and matches you with the right lender, not a list of twenty.
Get funded
Accept the offer that suits you. Next-day funding is possible, often within 24 hours.
Tell us what's happening and we'll point you to the fix
Run the numbers before you borrow
Calculators and checkers built for New Zealand businesses. No sign-up needed.
Business loan calculator
Weekly, fortnightly and monthly repayments for any amount and term.
Loan matcher
Answer five quick questions and see which loan type fits.
Property equity calculator
How much you could borrow against property for your business.
Cash flow gap calculator
Work out how much working capital you need to get through a gap.
IRD debt cost calculator
See how penalties and interest grow on unpaid tax over time.
GST calculator
Add or remove 15% GST in a second. Handy for quotes and invoices.
Compare loan offers
Put two offers side by side and see the true total cost.
Loan readiness check
A 2-minute checklist that shows how ready you are to apply.
Business finance that works the way you do
Your credit file stays clean
Enquiring doesn't leave a mark. A formal check only happens once you choose to go ahead.
No spray and pray
We don't fire your details at every lender in town. We match you to the one that fits.
Your situation, not a box
Every loan is looked at on your circumstances, and priced as sharply as your situation allows.
Fast when it matters
Quick decisions and next-day funding possible, because opportunities and IRD deadlines don't wait.
Business loans across Aotearoa
By industry
By region
Straight answers for busy owners
Types of Business Loans in NZ
From unsecured loans to second mortgages, invoice finance and IRD debt loans, here's every main type of business finance in New Zealand and when each one makes sense.
Read the guide →
Should you pay tax debt with a loan?
A practical, step-by-step look at every way to clear Inland Revenue debt, and how to tell which one will cost your business the least.
Read the guide →
Bank Declined Your Business Loan?
A bank decline feels final. It isn't. Here's why banks say no to sound Kiwi businesses, and the practical routes that get you funded anyway.
Read the guide →Business loan questions, answered
Is it LoansOne, Loans One or Loans 1?
All of them. Our name is LoansOne, said "Loans One", and plenty of Kiwis search for us as Loans One, Loans 1 or Loans1. However you spell it, this is LoansOne New Zealand: fast business finance from our Auckland team, with unsecured loans and 1st or 2nd mortgages from $20,000 to $500,000.
How much can I borrow with LoansOne?
LoansOne arranges unsecured business loans from $20,000 to $500,000, and fast 1st or 2nd mortgages for business purposes from $20,000 to $500,000. How much you can get depends on how your business trades or the equity in your property, and on what the money is for.
Do I need property to get a business loan?
No. Unsecured business loans and cash flow loans are assessed on how your business trades, usually from recent bank statements, so no property is needed in most cases. If you do own property, a 1st or 2nd mortgage can unlock more money with fewer documents, even with bad credit.
How fast can I get the money?
Applying takes about 30 seconds to start. An expert reviews your application and a lender makes contact quickly. Next-day funding is possible, and many businesses are paid out within 24 hours once everything needed is in.
Will applying affect my credit score?
Starting an enquiry with LoansOne does not mark your credit file. A lender only runs a formal credit check later, once you have chosen to go ahead with a specific loan.
Can I get a business loan with bad credit?
Often, yes. Property-backed 1st and 2nd mortgages focus on your equity rather than your credit history, and some unsecured lenders look past old defaults if the business trades well now. Tell us the full story up front and we will match you to a lender that suits it.
What interest rate will I pay?
Every loan is priced on your circumstances: the loan type, security, term, amount and how the business is going. We don't publish one-size-fits-all rates. We work to get you the sharpest rate available for your situation and show you the full cost before you sign.
Let's get your business funded
Apply in about 30 seconds. An expert reviews every application and you could be funded as soon as the next day.