Funding Solutions for New Zealand Businesses
Business funding isn't always one-size-fits-all. Here's an overview of the main options available, so you can see what's likely to suit your business before you check your eligibility.
Check if you're eligibleCompare the options at a glance
| Funding type | Typical amount | Property required? | Best for |
|---|---|---|---|
| Unsecured Business Loans | $5k – $200k+ | Not required | A lump sum for a specific purpose, fast |
| Business Line of Credit | $2k – $500k | Not usually required | Ongoing, variable cash flow needs |
| Invoice Finance | Scales with your invoices | Not required (invoices are the security) | B2B businesses waiting 30-90 days to get paid |
| Secured Business Loans | $150k – $4m+ | Required (property or other assets) | Larger amounts, longer terms, or a lower rate |
Explore each option
Unsecured Business Loans
Compare unsecured business loan options for NZ SMEs — no property or real estate security required, even if you rent your premises. Check your eligibility free.
Learn moreSecured Business Loans
Secured business loans let NZ SMEs borrow larger amounts by offering property or other assets. See typical limits, rates, and how it compares to unsecured funding.
Learn moreBusiness Line of Credit
A business line of credit gives NZ SMEs reusable funds for ongoing cash flow. See how it works, typical limits, and how it compares to a loan.
Learn moreInvoice Finance
Invoice finance advances cash against your unpaid invoices so you're not stuck waiting 30-90 days to get paid. See how it works for NZ businesses.
Learn moreAfter a Bank Decline
A bank decline does not necessarily end a business funding enquiry. Check alternative NZ business finance pathways through FundMatch.
Learn moreFrequently asked questions
Which funding option is right for my business?
It depends on what you're funding and how your business operates. A one-off purchase usually suits a fixed-term loan; ongoing or unpredictable cash flow usually suits a line of credit or overdraft; and B2B businesses waiting on invoice payments often do best with invoice finance. FundMatch's free eligibility check looks at your situation and points you toward what you're likely to qualify for.
Can I combine more than one type of funding?
Some businesses do use more than one facility at once — for example, a line of credit for day-to-day flexibility alongside a fixed-term loan for a specific project. What's available to combine depends on your overall financial position and each lender's own policies.
How does FundMatch decide which option I'm matched to?
We ask a few quick questions about your revenue, trading history, industry, loan amount, and whether you have property security, then compare your business against our panel of lenders' criteria to surface a suitable match — at no cost and with no impact on your credit score.
Ready to see your options?
It's 100% free to check. No hidden costs and no obligation to proceed.
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