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Business loans

Unsecured business loans, matched to the right lender.

Fast, flexible funding from $5,000 to $750,000 for any purpose — stock, staff, marketing, tax or growth. One application reaches our whole panel.

Check your eligibility Talk to a specialist
Indicative rate
from 9.9% p.a.
Amount
$5k – $750k
Term
6–60 months
Pre-approved in minutes
Your matched offer97% match
$120,000Prospa
36 months · ~$3,980/mo
Overview

Business Loans, explained

A business loan gives you a lump sum up front that you repay in regular instalments over a set term. It is the most versatile way to fund your business — there are no restrictions on how you use the money, and most unsecured facilities settle in as little as 24 hours. ClickCapital compares offers from more than 30 New Zealand lenders so you get the right structure at the right price, without ringing around.

Why it works

Why Kiwi owners fund growth this way

Funded in 24 hours

Eligible applications can have funds in the account within one business day of accepting an offer.

Any purpose

Use it for inventory, equipment, hiring, marketing, GST or simply smoothing cash flow.

Secured or unsecured

Unsecured options up to $500k with no property needed, or secured facilities for larger amounts.

Flexible terms

Choose 6 to 60 months and a repayment rhythm — weekly, fortnightly or monthly — that suits you.

No credit-score hit

Checking your options is a soft enquiry, so seeing what you qualify for costs you nothing.

One application

Reach the whole lender panel with a single 2-minute form — no repeating yourself.

Who it's for

Is this right for you?

Best for established businesses that want a clear, fixed repayment plan for a one-off investment or a confident growth push.

  • Trading 6+ months with an active NZBN
  • Around $7,000+ in monthly turnover
  • Need $5k–$750k for a defined purpose
  • Want predictable fixed repayments
  • Prefer to compare lenders, not chase them
See if you qualify
New Zealand business owner
How it works

From application to funded in four steps

1

Tell us about your business

A few quick questions and our NZBN lookup — under 2 minutes, no documents to dig up.

2

Compare your matched offers

We instantly match you with the lenders most likely to approve you, side by side.

3

Choose your lender

Pick the offer that suits you. You decide who gets in touch — no spam, ever.

4

Get funded fast

Accept and receive funds in your account in as little as 24 hours.

One application, your whole panel

Matched with lenders like

ProspaBizcapHeartland BankAvanti FinancePepper MoneyLibertyBasecorp FinanceASAP Finance
FAQs

Business Loans, answered

How much can I borrow?+
Our panel funds from $5,000 up to $750,000. The amount you are offered depends on your turnover, time trading and the strength of your cash flow.
Do I need security?+
Not for most facilities up to $500,000 — many lenders offer unsecured business loans. Larger amounts may be secured against business or personal assets.
How quickly are funds available?+
Many applicants are pre-approved within minutes and funded within 24 hours of accepting an offer.
Will it affect my credit score?+
No. Comparing your options through ClickCapital is a soft check and does not impact your credit score.

Ready to fund your next move?

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

Get my free quote