Business loans NZ – flexible finance for Small Businesses
Running a business means juggling cashflow, equipment, staff and growth plans all at once. Real Finance’s small business loans give Kiwi owners quick access to capital—without the red tape.
Why choose a business loan with Real Finance?
Fast online decisions
Complete our 5-minute application and receive a conditional answer within 60 minutes
Tailored loan amount & term
Borrow from $5,000 to $300,000 * over 6–60 months, matched to your cash-flow cycle
Flexible repayment options
Choose weekly, fortnightly or monthly instalments and pay extra any time with no penalty
Secured & unsecured options
Use business or personal assets as security to access lower rates, or skip the security for a quicker, unsecured loan
Dedicated NZ-based team
Talk to real people who understand Kiwi SMEs and the Credit Contracts & Consumer Finance Act (CCCFA) requirements
What can a business loan cover?
- Managing day-to-day cash-flow gaps
- Purchasing stock, tools, vehicles or plant
- Marketing campaigns or website upgrades
- Shop/office refurbishment or fit-out costs
- Hiring extra staff for seasonal peaks
- Bridging funds while awaiting customer payments
Eligibility & required documents
Applying is straightforward—have these ready:
- NZ driver licence or passport for each director/owner
- Six months’ business bank statements (CSV or PDF)
- Proof of trading revenue—e.g. Xero profit & loss, GST returns or invoices
How much will it cost?
Not sure what the repayments will be? Use our business loan calculator to compare repayment options side-by-side. The calculator shows principal, interest, and fees upfront so you can budget with confidence—no hidden surprises.
Available loan amount
From $5,000 to $300,000
Terms
2 – 60 months
Repayments
Starting from $199 per week
Security options
Property, vehicles, or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Business loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“When we were dealing with cash flow issues we approached multiple lenders to obtain the best solution for our business. Real Finance sat down at the table, listened to us, asked pertinent and insightful questions (that helped us understand more about where we were struggling) and then provided a considered lending solution, specifically tailored to our business needs.”
Frequently asked questions
Do you finance start-ups?
Yes—if you can show confirmed contracts or at least six months’ trading history we can usually help.
Can I top-up my business loan later?
Often, yes. If your repayment history is strong, we can review a top-up or second facility.
Is collateral always required?
No; unsecured business funding is available up to $50,000, subject to credit and affordability.
What happens if cash-flow tightens?
Talk to us early—options include extending the loan term or switching to interest-only for a short period.
Ready to Grow Your Business?
Apply online in minutes or call 0800 21 21 21 to discuss a tailored finance solution that powers your next big step.
We’re here to help
Have more questions about working-capital funding, asset purchases, or cash-flow-friendly terms? Contact our team for personalised support.
