⭐⭐⭐⭐⭐ “Over 1,000+ happy customers
Fast Business Working Capital Loans in NZ – Get Approved in Minutes
Fast Business Working Capital Loans in NZ – Get Approved in Minutes
Secure the funds your business needs within 24 hours. Flexible terms, competitive rates, and no impact on your credit to check your options.
Get Pre-Approved in 5 Minutes
Get Pre-Approved in 5 Minutes
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Our service is Free to you and won't affect your credit score
Why Businesses Trust ClickCapital for Equipment Finance
Why Businesses Trust ClickCapital for Equipment Finance
- 🚀 Fast Approvals – Pre-approvals in minutes, funding in as little as 24 hours.
- 🔄 Flexible Requirements – SME-friendly financing, even for new businesses or bad credit.
- 💰 Competitive Rates – Access to 75+ lenders to secure the best deal.
- 🔍 No Hidden Fees – Fully transparent financing, no surprises.
Tailored Finance Solutions, Backed by Experts
Tailored Finance Solutions, Backed by Experts
Our finance specialists are here to understand your business and recommend the perfect working capital solution. You're not just getting a loan – you're gaining a partner to help your business grow.
Have a question? Let's talk
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🏆 30 years of experience supporting SMEs.
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📊 Tailored financial strategies to match your business goals.
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🔄 Fast, simple, and stress-free process – no paperwork nightmares!
Working Capital Solutions – Fuel Your Business Growth
Working Capital Solutions – Fuel Your Business Growth
At Clickcapital, we specialize in fast, flexible working capital financing for businesses of all sizes. Whether you need funds to manage cash flow, purchase inventory, or invest in growth opportunities, we'll tailor a loan solution that meets your needs – quickly and hassle-free.
- Flexible Loan Terms – 12–84 month terms – choose a repayment schedule that fits your business cash flow.
- Low or No Deposit Options – 100% finance available – keep your cash in the business with no upfront deposit required for many loans.
- Less-than-perfect credit or self-employed? We have lenders who can still approve your loan.
- Fast Approvals – Get the funding you need in as little as 24 hours with our streamlined process.
Do You Qualify for Working Capital Finance?
Do You Qualify for Working Capital Finance?
- 🏢 Business must be registered (operating for at least 6 months).
- 💰 Minimum revenue requirement: $7,000+ per month.
- 🏗 Loan must be for business-related equipment.
- 🏦 Bad credit? No worries – Flexible credit options available.
- 💵 No deposit required in most cases.
Get Your Business Vehicle Loan—Fast, Simple, Hassle-Free
Why Choose Clickcapital vs. Traditional Banks?
| Feature | Clickcapital | Traditional Banks |
|---|---|---|
| Approval Speed | ✔ Within 24 Hours | 1-2 Weeks |
| Deposit Required | Typically None | Up to 20% |
| Credit Flexibility | Yes, Bad Credit OK | Strict Credit Requirements |
| Application Process | 100% Online, Easy Process | Lengthy Paperwork & In-Person Visits |
| Personalized Service | Tailored & Responsive | Rigid Criteria |
Customer testimonials
Customer testimonials
★★★★★
★★★★★
Clickcapital made it incredibly easy to finance our new company cars. The whole process took just 24 hours, and the customer service was outstanding from start to finish. Highly recommended!
Matt Wilson, Owner, Precision Plumbing & Drainage Ltd
★★★★★
★★★★★
We needed quick financing to purchase additional trucks and Clickcapital delivered exactly as promised. The entire process was smooth, transparent, and professional. Would recommend to any business owner needing fast vehicle financing
Sarah Thompson, Director, Thompson Transport Ltd.
★★★★★
★★★★★
Clickcapital made financing our fleet of commercial vehicles simple and hassle-free. They understood our business needs perfectly and provided a financing solution quickly, allowing us to expand faster than we expected.
David Richardson, Operations Manager, Urban Logistics NZ
🚀 Get Pre-Approved in Minutes!
No impact on your credit score. Fast approvals, flexible terms, and the best rates.
✅ No Hidden Fees ✅ 100% Online Process ✅ Rated ★★★★★ by Business Owners
Business Vehicle Loans
Tailored for Your Needs
Business Vehicle Loans
Tailored for Your Needs
Tailored for Your Needs
Every business has unique requirements—that's why we offer vehicle loans customized specifically to your needs. Whether you're looking to finance a single business car or an entire commercial fleet, we've got you covered with flexible loan types:
Every business has unique requirements—that's why we offer vehicle loans customized specifically to your needs. Whether you're looking to finance a single business car or an entire commercial fleet, we've got you covered with flexible loan types:
📌 Unsecured Business Loans
Fast funding up to $500,000 with no collateral required—ideal for managing short-term expenses and seizing new opportunities.
📌 Business Line of Credit
Flexible, on-demand funding that gives you access to capital when you need it—only pay interest on what you use.
📌 Bad Credit Business Loans
Struggling with credit issues? We work with lenders who offer financing solutions tailored for businesses with imperfect credit.
📌 Tax Debt Loans
Avoid Tax stress—get a loan to clear your tax debt and keep your business financially stable without disrupting cash flow.
📌 Business Expansion Loans
Ready to grow? Finance marketing, hire staff, or open new locations with a loan designed for long-term business success.
📌 Short-Term Business Loans
Fast, hassle-free funding to cover urgent business expenses like supplier payments, stock purchases, or equipment repairs
What to Expect from Clickcapital
What to Expect from Clickcapital
ONLY THE BEST SERVICE AND EXCELLENT PRODUCTS
Accurate Assessment
We will show you exactly how much you can borrow, so you can plan with confidence.
Secure
Your financial data is retrieved read-only through bank-grade systems, keeping your information safe.
Privacy Assurance
We do not sell your data to marketing companies or anyone else.
You stay in control
Choose which lender offers to follow up. We never bombard you with unwanted calls or emails.
How do I get my loan?
How do I get my loan?
Apply in just 5 minutes.
Fill out one simple application. There’s no fee or obligation, and it won’t impact your credit.
Compare options from 75+ lenders.
We’ll match you with offers from our network of 75+ lenders. Choose the best rate and terms for your business.
Get funded within 24 hours.
Once approved, receive the capital in as little as 24 hours. Drive away in your new vehicle or deploy the funds into your business – fast!
🚗 Estimate Your Monthly Payments
Use our loan calculator to see your estimated payments:
💰 Monthly Payment: $0
📈 Total Interest: $0
💵 Total Cost: $0
Top-of-the-line Security
Top-of-the-line Security
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Trusted. Chosen partner of major global banks – we’re even listed on the business banking pages of NZ’s top nine banks.
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Bank-grade security. We use the same encryption and security measures as the banks. Your personal and business information is fully protected.
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Protected. We use two-factor authentication and strict controls to safeguard your account access and data.
New Zealand's Favourite
Business Finance Experts
New Zealand's Favourite
Business Finance Experts
Business Finance Experts
$200,000,000+
NEW ZEALAND DOLLARS FUNDED
14,560
BUSINESSES FUNDED
Whether you’re looking to finance a new vehicle for you business or need working capital to help your business grow we have the right product for you.
Whether you’re looking to finance a new vehicle for you business or need working capital to help your business grow we have the right product for you.
FAQ's
FAQ's
What can I use a working capital loan for?
Working capital loans can be used for payroll, rent, inventory purchases, marketing, tax payments, and managing cash flow.
How quickly can I get funding?
Approvals are typically within 24 hours, and funds can be transferred to your account on the same or next business day.
Do I need collateral for a working capital loan?
No, most working capital loans are unsecured, meaning you don’t need to provide assets as security.
Will applying affect my credit score?
No, initial pre-qualification checks are soft inquiries and won’t impact your credit score.
Can I pay off my loan early?
Yes, early repayment is allowed, and in some cases, it may reduce the overall interest paid.
What’s the minimum and maximum loan amount?
Loan amounts typically range from $5,000 to $500,000, depending on your business's financial profile.
Can I get a loan if my business has bad credit?
Yes, we work with lenders who provide financing options for businesses with less-than-perfect credit.
What are the interest rates for working capital loans?
Rates vary based on your business profile, starting as low as 9.9% per annum.
What documents do I need to apply?
Typically, you’ll need a valid ID, proof of business registration, and recent bank statements.
How long are repayment terms?
Repayment terms range from 3 months to 36 months, depending on your loan agreement.
Can I apply if I’m self-employed?
Yes, self-employed business owners are eligible, provided they meet minimum revenue requirements.
Are tax debt loans available?
Yes, you can use a working capital loan to pay off tax debts and keep your business in good standing.
Do you offer a line of credit?
Yes, we offer flexible business lines of credit, allowing you to draw funds when needed.
How are repayments structured?
Repayments are typically set up via direct debit and can be tailored to match your business cash flow.
Can startups apply for working capital loans?
Yes, we offer financing options for startups with at least 6 months of trading history.
How can I apply?
You can apply online in minutes. Contact us at support@clickcapital.co.nz for assistance.
Let’s get started!
© 2024 All Rights Reserved
Disclaimer: Clickcapital helps New Zealand firms access business finance, working directly with firms and their trusted advisors. We are a credit broker and do not provide finance products ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Clickcapital can introduce applicants to a number of providers based on the applicants’ circumstances and creditworthiness, we may receive a commission or finder’s fee for effecting such introductions. Clickcapital does not provide any kind of advice and in giving you information about providers products, we are not making any suggestion or recommendation to you about a particular product. Offers of finance are subject to a separate assessment process by the provider and subject to their terms and conditions. If you feel you have a complaint, please read our complaints section which is contained within our terms and conditions.