How it works
From a 30-second application to money in your account, often within 24 hours. Here's exactly what happens.
- 1
Apply online in about 30 seconds
Tell us how much you need, what it's for and a few details about your business. It's free, there's no obligation, and starting an enquiry won't mark your credit file.
- 2
An expert reviews your application
A real person from our team goes over the finer details with you, usually by phone. We work out whether an unsecured loan, a cash flow loan or a 1st or 2nd mortgage fits best.
- 3
We match you with the right lender
Your details go to the lender that suits your situation, not to dozens at once. The lender makes contact and confirms what they need. Often that's just recent bank statements, or property details for a mortgage.
- 4
Get your offer and decide
You see the amount, term, repayments and full cost before anything is signed. Ask questions, take your time, and only go ahead when you're comfortable.
- 5
Get funded
Sign electronically and the money is paid into your business account. Next-day funding is possible, and many owners are paid out within 24 hours.
Unsecured or property-backed: which path will you take?
Unsecured and cash flow loans ($20,000 to $500,000) are assessed on how your business trades, usually from bank statements. No property is needed in most cases. Read more about unsecured business loans and cash flow loans.
Fast 1st and 2nd mortgages ($20,000 to $500,000) are secured against property. No cash flow or financial records are needed and bad credit is OK, which makes them a strong option when the bank says no. Read more about second mortgages and fast first mortgages.
Not sure? Try the loan matcher, or just apply and we'll work it out with you.
How it works: common questions
What do I need to apply?
To start: how much you need, what it's for, your business name and NZBN if you have one, and your contact details. For unsecured and cash flow loans, lenders usually ask for recent business bank statements. For 1st and 2nd mortgages, they mainly need property details, with no cash flow or financial records needed.
Is there a cost to apply?
No. Applying with LoansOne is free and there is no obligation to accept any offer. You see all costs in the loan offer before you sign anything.
How long does it take?
The online application takes about 30 seconds to start. Decisions are often quick, and next-day funding is possible. Mortgages can take a little longer when a valuation or lawyers are involved, but private lenders typically move much faster than banks.
Will my details be sent to lots of lenders?
No. We don't spray applications across the market. Our team picks the lender that fits your situation, which protects your credit file and saves you a pile of phone calls.
Can I repay early?
Many business loans allow early repayment, though terms vary by lender and product. Ask us before you sign and we'll make sure the loan suits your plans.
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.