How it works
How it works
Five steps from 'we need money' to money in the account — with the trade-offs explained before you choose.
- 1
1. Tell us the situation (about 60 seconds)
What the money is for, how much, how soon, your region and whether there's property. No credit check when you first enquire.
- 2
2. One person reads it
A specialist who knows every fast option reviews your application. It isn't broadcast to a list of lenders.
- 3
3. A call with the shortlist
We explain which options fit, the trade-offs of each, how fast each could realistically be and what it would take.
- 4
4. You choose — then documents
Only once you decide to go ahead. We tell you exactly what's needed: ID, bank statements, property details, your Inland Revenue position.
- 5
5. Approval and funding
Funds go to your account or straight to whoever needs paying — Inland Revenue, a supplier, a vendor's lawyer.
What makes this different?
Most fast lenders sell you their product. We start with your situation and compare the options that fit it — secured and unsecured loans, lines of credit, invoice finance, equipment finance and more — so you see the trade-offs before you commit. If you'd like to explore first, the fast funding comparer gives you a ranked shortlist in about a minute.
How fast is fast?
- Same-day funding possible for smaller unsecured amounts.
- $20k to $250k possible same day (property-secured).
- Up to $5m possible within 24–48 hours.
The biggest factor in speed is usually you having your documents ready. Our page on same-day business loans explains what tends to slow things down.
Why accurate answers matter
The application is short, but every question earns its place. The amount, purpose, deadline, region and any property decide which options are realistic. Accurate answers mean we can point you to the right lender the first time — no wasted applications, no surprise declines, no extra credit enquiries.
Common questions
Does applying affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've chosen an option and decided to go ahead.
Will my details be sent to lots of lenders?
No. One specialist reviews your situation and approaches only the lender best suited to it. We don't spray your details around.
How fast can funding happen?
It depends on the option and how quickly documents arrive. Same-day funding possible for smaller unsecured amounts. $20k to $250k possible same day (property-secured). Up to $5m possible within 24–48 hours. These are possible, not promised.
What do I need to have ready?
Photo ID for each director or owner, recent business bank statements, your NZBN or company number, and property details if you have property. If you owe Inland Revenue, a current balance from myIR helps.
What if none of the options fit?
We'll tell you, and where we can, point you to something that might help — such as an Inland Revenue instalment arrangement or supplier terms.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real person on your file