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LIVE · 3 quotes approved in the last hour

Fast business loans, matched to the right Kiwi lender.

Compare tailored offers from New Zealand's leading business lenders in minutes. One simple application, no impact on your credit score, and funding in as little as 24 hours.

100% free service No credit score impact NZ-based experts
Confident New Zealand cafe owner in her business
Quote received
$85,000
Hospitality · Aucklandapproved in 52 sec
$2.14M
funded today across NZ

One application · 30+ trusted NZ lenders

ANZASBBNZWestpacKiwibankProspaBizcapHeartland BankAvanti FinanceBasecorp FinanceASAP FinanceResimacLibertyPepper MoneyUnitySBS Bank
TSBThe Co-operative BankCFMLBluestoneCressida CapitalDBRFinbaseFirst Mortgage TrustFunding PartnersPlus FinancePallas CapitalSouthern Cross PartnersLendrAIA Go Home LoansBank of ChinaChina Construction Bank
By the numbers

New Zealand's favourite business finance experts

$0
NZ dollars funded
0
Businesses funded
0
Funding once approved
0
Average rating
A smarter way

The old way vs ClickCapital

The old way Going lender by lender
  • Apply at each bank separately, repeating everything
  • Multiple credit checks that hurt your score
  • Weeks of waiting and chasing paperwork
  • No idea if you're getting a fair deal
ClickCapital One smart application
  • Fill one form, reach 30+ lenders instantly
  • One soft check — zero impact on your score
  • Matched offers in minutes, funded in 24 hours
  • Compare side by side and pick the best deal
Our finance products

Funding built around how your business actually runs

$10k – $750k

Small Business Loans

  • Any purpose — stock, staff, marketing, GST, growth
  • Terms 6–60 months, unsecured options
  • Decision in as little as 1 hour
Check eligibility
3 of your matched lenders
from 1.0%/mo
from 16% p.a.
fast funding
$5k – $750k

Business Line of Credit

  • Draw, repay and reuse whenever you need
  • Interest only on what you use, no drawdown fees
  • Perfect for seasonal cash flow
Check eligibility
3 of your matched lenders
$2k–$150k
up to $500k
flexible
$10k – $500k

Vehicle & Fleet Finance

  • Trucks, vans, utes and company cars — new or used
  • Terms 12–60 months, ownership at end
  • Potential tax benefits
Check eligibility
3 of your matched lenders
asset finance
to $500k
fast
$10k – $750k

Equipment Finance

  • Machinery, tech and tools without the upfront hit
  • Customised repayment options
  • Depreciation tax advantages
Check eligibility
3 of your matched lenders
trade finance
to $750k
flexible
How it works

Matched in 3 simple steps

1
2
3

Tell us about your business

Answer a few quick questions and find your business instantly with our NZBN lookup. Under 2 minutes, no documents needed.

Compare your matched offers

We instantly match you with the lenders most likely to approve you — and the best deal for your needs, side by side.

Get funded fast

Pick the offer that suits you and get funds in your account in as little as 24 hours. You stay in control the whole way.

NZBN verified lookup
YB
Plumbing & drainage
NZBN 9429 0412 3456 · Registered
Active
Your matched offers
97% match
96% match
94% match
$120,000
funded to your account · 24 hours
The details

A consistent icon language

One stroke weight, one corner radius, one accent — the small stuff that makes a site feel like a half-million-dollar product.

Bank-grade secure

256-bit encryption on every application.

Approved in 24h

Most offers land within one business day.

$0 to use, ever

Free service — no fees, no obligation.

NZ-based humans

Real local specialists, not a call centre.

Grows with you

From your first loan to your fifth.

Private by default

Your data is never sold — full stop.

One application

Reach 30+ lenders with a single form.

Talk to a person

Call 0800 CLICK whenever you like.

The ClickCapital app

Funding that feels effortless

One application, matched to New Zealand's best business lenders in seconds — track every offer from your phone or desktop.

Approved in 24h No credit impact 30+ lenders
clickcapital.co.nz/dashboard
Funding pipeline● Live
Approved
$420k
Live offers
6
Avg rate
11.4%
9:415G ▦
ClickCapital
You're approved
$120,000Business loan · 36 months
Your matched offers
Prospa
$120k · ~$3,980/mo
97%
Avanti Finance
$110k · ~$3,640/mo
94%
Heartland
$100k · ~$3,310/mo
90%
$8.4mfunded this month
2 minto apply
Why ClickCapital

The smarter way to fund your business

One application, 30+ lenders

Fill out one simple form and access offers from 30+ trusted NZ lenders. More options means a better deal.

Fast approvals & funding

Applications reviewed instantly. Eligible businesses can get funds within 24 hours, so you never miss an opportunity.

Flexible amounts & terms

Borrow $5,000 to $750,000 with terms from 6 to 60 months. Choose a repayment schedule that fits your cash flow.

Free service, no obligation

It costs nothing to use ClickCapital. No upfront fees, no hidden charges — you choose which offer to take.

No credit score impact

Checking your options through ClickCapital won't affect your credit score. No risk in seeing what you qualify for.

100% NZ-based experts

Real Kiwi finance specialists, here to give unbiased guidance — not pushy sales calls. You're always in control.

As seen in

NZ HeraldStuffBusinessDeskNBRThe Broker Times
Real Kiwi businesses

The people we back

Real Kiwi business owners we've helped fund — and what a fast yes meant for them.

Matt W."Financed our new company cars in 24 hours."
Matt W.Plumbing & drainage · Auckland
Sarah T."New trucks on the road, fast."
Sarah T.Transport operator · Hamilton
David R."We expanded faster than we expected."
David R.Logistics business · Tauranga
Hana K."Three real offers the same afternoon."
Hana K.Café & eatery · Wellington
★ 4.9 from 1,000+ happy customers

Loved by business owners across Aotearoa

★★★★★

ClickCapital made it incredibly easy to finance our new company cars. The whole process took just 24 hours.

Matt W.
Plumbing & drainage
★★★★★

We needed quick financing for additional trucks and ClickCapital delivered exactly as promised. Smooth and professional.

Sarah T.
Transport operator
★★★★★

They understood our needs perfectly and funded us quickly, letting us expand faster than we expected.

David R.
Logistics business
★★★★★

One form and I had three real offers the same afternoon. The team was genuinely helpful, never pushy.

Hana K.
Café & eatery
★★★★★

Even with a past default they found us a lender. Funds landed next day — a lifesaver for our cash flow.

JN
James N.
Joinery business
★★★★★

Saved me days of ringing around banks. Compared everything in one place and picked the best rate. Brilliant.

PL
Priya L.
Health & beauty
What it costs you

Everything here is free. Yes, really.

No fees, no catch. We're paid by the lender only if you choose to proceed — it never changes your price.

Compare & apply
One application, 30+ lenders
$99
  • Unlimited lender matches
  • Instant pre-qualification
  • No credit score impact
Start free
Expert guidance
A real Kiwi specialist on your side
$249
  • 1-on-1 help comparing offers
  • Help getting application-ready
  • Honest, unbiased advice
Talk to an expert
No obligation
Walk away anytime
$0
  • Take an offer, or don't
  • No exit or hidden fees
  • You choose who contacts you
See your options
Meet the team

Real Kiwis, here to help you grow

A friendly, 100% NZ-based team of finance specialists — no overseas call centres, no pushy sales. Just real people who know Kiwi business.

Dave Henderson
Dave Henderson
Business Finance Specialist
Auckland
Aroha Ngata
Aroha Ngata
Client Success Lead
Hamilton
Sione Tupou
Sione Tupou
Lending Manager
Wellington
Mei Chen
Mei Chen
Business Finance Advisor
Christchurch
Your trust, our priority

Bank-grade security, every step of the way

We know you're trusting us with your business's future, and we take that seriously.

Trusted partners

A vetted finance platform featured on the business banking pages of New Zealand's major banks. Every lender is reputable and licensed.

Bank-grade encryption

Your information is protected with the same encryption the banks use, with systems regularly audited.

Privacy protection

We never sell or share your data with third-party marketers. You're always in control of who contacts you.

No obligation, no pressure

Using ClickCapital is risk-free. You choose which loan offer to take, if any — our goal is simply a great experience.

FAQs

Questions, answered

What types of business loans does ClickCapital offer?+
Unsecured business loans, lines of credit, equipment finance, vehicle and fleet finance, and working capital — matched to your business from a panel of 30+ lenders.
Will applying affect my credit score?+
No. Checking your eligibility through ClickCapital does not impact your credit score. There's no risk in seeing what you qualify for.
How fast can I get approved?+
Many applicants receive pre-approval within minutes, with funding available in as little as 24 hours once your chosen lender completes their checks.
What are the minimum requirements to qualify?+
Typically trading for at least 6 months, a minimum monthly turnover of around $7,000, and an active NZBN. We also work with lenders for startups.
What loan amounts are available?+
Our lending partners offer facilities from $5,000 up to $750,000, depending on your business's performance and the product that suits you.
Is the service really free?+
Yes. It's 100% free with no obligation. We may receive a commission from a lender if you proceed, but that never changes the price you pay.
Join 14,560+ Kiwi businesses★★★★★ funded with ClickCapital

Don't let funding hold you back. Unlock your next move and start winning today.

Check your eligibility in 2 minutes — it's free and won't affect your credit score.

Get my free quote now