Loan matcher
Five quick questions. We'll point you to the business loan types most likely to fit your situation.
The short answer
The loan matcher asks what the money is for, whether you own property, how long you've traded, your credit history and how fast you need funds. It then recommends the best-fit loan types, such as an unsecured loan, a cash flow loan or a fast 1st or 2nd mortgage, with links to learn more and apply.
The main paths, in plain English
No property? Unsecured business loans and cash flow loans are assessed on how the business trades, usually from bank statements.
Own property? A second mortgage or fast first mortgage can unlock more money with no cash flow or financial records needed, and bad credit is OK.
Buying gear? Equipment and vehicle finance uses the asset itself as security.
Still unsure? Read every type of business loan in NZ explained.
Keep running the numbers
Business loan calculator
Weekly, fortnightly and monthly repayments for any amount and term.
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.
Frequently asked questions
How does the loan matcher work?
It weighs your answers the way a lending specialist would: whether you have property to secure a loan against, how long you have traded, your credit history, what the money is for and how fast you need it. It then suggests the loan types most likely to fit.
Is the result an approval?
No. It's a guide to the loan types worth looking at first. A real person reviews every LoansOne application and matches you with the right lender for your full situation.
What if I don't fit any option?
Call us on 09-888 5252. There is often a path the quiz can't see, such as using a family member's property, combining two types of finance or timing an application after your next set of accounts.
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.