Business Loans NZ
NZ Business loans through Quick Loans help established businesses access fast, flexible funding to improve cash flow, invest in equipment, or consolidate existing finance into one manageable repayment. From 9.95%.
4.5 rating with 1,216 Google reviews
Borrow
$800 – $150,000
100% Online Application
It’s easy. Only 6 mins
Get Approved
In just 60 mins*
Calculate Your Business Loan Repayments
Use our online business finance calculator & determine the repayments you can afford & how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, & we then spread the rest across your repayment term. Our fast loans are subject to credit checks & in accordance with the responsible lending code of New Zealand.
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Our customer rating
4.6/5
* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Rates
With Quick Loans, our maximum loan term is 36 months, with affordable weekly or monthly loan payments. We offer competitive annual interest rates ranging from 9.95% to 26.95% p.a. depending on the purchase you’re making, your credit rating, and the loan duration. For full details on the loan agreement, including early repayment options, terms and conditions, establishment fees, and default interest rates, please see our Rates and Fees page.
Terms
Before applying with Quick Loans, it’s important to understand our terms and conditions. By submitting an application, you consent to us collecting and securely storing your personal information. We aim to keep all the information on our website accurate and up to date. If you notice anything that doesn’t look quite right, please get in touch with us in writing and we’ll do our best to correct it promptly. All our loans are subject to the New Zealand Responsible Lending Code.
Security
Your personal information is protected with end-to-end encryption across all our web forms, keeping your data safe and secure throughout the application process. We handle all loan details with a high level of confidentiality, following strict security standards to prevent unauthorised access. We also fully comply with New Zealand’s privacy laws, ensuring you have complete transparency over how your data is collected, stored, and used. We don’t share your information with third parties without your consent. To learn more, please read our Privacy Policy, which outlines exactly how we protect and manage your personal information.
Competitive, secured business loans for small businesses
Are you struggling with temporary business cash flow issues? Perhaps you are looking to expand your operations or acquire new equipment? Quick Loans’ business lending team can help.
- Tailored, affordable business loan rates
- Supporting business entrepreneurs in New Zealand
- Quick decision and transfer of funds
As a responsible lender, we consider each business loan application on its merits, with the amount and loan duration negotiable. We are a privately owned business which allows us to be more flexible than high street banks and more accommodating for small businesses.Lending criteria may apply.
Business lending that can help cash flow
Grow your business with a cash-injection
Maybe you need to finance a new product range, purchase a new piece of equipment, or expand into a new market. Rather than dipping into your overdraft facility, a business loan can give you the working capital you need to help your business thrive, without the hefty rates and fees.
Plan ahead to address seasonal cash flow issues
Does your business suffer from seasonal cash flow issues? Is it a constant battle over the holiday period where you need to borrow? Our business finance can assist with improving cash flow without the red-tape a bank might have, allowing you to focus on growing your business.
Improve and expand your marketing strategy
Targeted marketing can make a huge difference to your business, attracting new customers and increasing profitability. We are flexible and appreciative of your circumstances; kick-start that new marketing strategy with a Quick Loans business loan.
Make that dream premises a reality for your business
We have helped many clients move into new business premises, providing finance and bridging loans. Is it time to throw off the shackles of long-term capacity restrictions and let your business thrive?
Secure a line of credit in 24 hours
As a responsible lender, Quick Loans has a long history of helping NZ small businesses grow. More flexible than traditional lenders, looking to nurture a long-term relationship, we take a different, more personal approach to business finance.
To get started just click on the ‘Apply Now’ button below and you could secure your business loan in as little as 24 hours.
How to get a business loan with Quick Loans
Getting a small business loan is fast and hassle-free. Follow these simple steps to secure the funding your business needs:
- Check Your Eligibility
Eligibility matters – ensure you meet our basic lending criteria, including business age, revenue requirements, and creditworthiness. - Choose Your Loan Type
We offer flexible business loans tailored to different needs, including working capital, equipment financing, and expansion loans. - Apply Online
Fill out our quick online application with essential business details, loan amount, and purpose. - Submit Required Documents
Provide financial statements, proof of business ownership, and other relevant paperwork to support your application. - Get Fast Approval
Faster than a typical business bank, our team reviews your application quickly, and many times you’ll receive a decision within 24 hours. You’ll receive a loan offer with confirmed interest rates and terms. - Receive Your Funds
Once approved, the funds are transferred to your account, so you can start using them for your business needs.
Is a business loan right for your situation?
Business loans are designed to fund planned growth, not to plug ongoing cash-flow gaps. Before applying, it’s important to understand whether your business aligns with what lenders typically require.
Who a business loan is usually suitable for
A business loan may be appropriate if most of the following apply:
- Your business is actively trading and has an established operating history
- You generate consistent, verifiable revenue supported by bank statements or financial records
- You can comfortably meet repayments without placing pressure on everyday expenses
- You have a clear purpose for the loan, such as purchasing equipment, completing a fit-out, expanding operations, funding marketing, or making a planned business investment
- Your existing business debts are manageable and repayments are up to date
- You’re a registered New Zealand business with an NZBN and appropriate legal structure
- You, the business owner, can demonstrate relevant experience in your industry or business activity
- You’ve obtained appropriate professional advice where needed (such as accounting or legal guidance)
- You have a basic revenue budget and capital expenditure plan showing how the funds will be used
- You’re willing to provide standard documentation, including bank statements, financials, Xero access, or GST returns
- You value structured repayments with clear terms and timeframes
- You’re investing in growth, not relying on borrowing to cover day-to-day operating costs
If you’re building or expanding your business and want certainty around repayments and total cost, a business loan can provide a practical, structured funding solution.
When a business loan may not be the right fit
A business loan may not be suitable if any of the following apply:
- If you’re looking to start a business, or your business has little or no trading history
- Financial information can’t be verified (such as bank statements, profit & loss reports, or GST returns)
- The business is insolvent, in liquidation, or subject to formal insolvency proceedings
- Revenue is irregular or insufficient to comfortably service repayments
- You have recent or multiple business credit defaults
- You’re unable to provide security or collateral where required
- You don’t yet have a clear revenue budget or capital spending plan
- You can’t demonstrate relevant experience for your proposed venture
- You haven’t sought appropriate professional advice where required
- Your loan purpose is speculative or restricted (for example gambling, illegal activity, or unapproved investments)
- You’re unable to meet lender compliance requirements such as financial reporting or bank feeds
- You’re seeking funding to patch ongoing cash-flow issues rather than support planned growth
If one or more of these apply, alternative funding options may be more suitable at this stage.
NZ Customer Reviews
Rated 4.6 out of 5 stars based on 1576 customer reviews.
Fast, Easy Loans For Kiwis
It’s easy to get a loan for your needs. Follow the loan application process below to apply.
STEP 1
Complete our online loan application form in as little as 6 minutes, we promise!
STEP 2
Your application will be assessed by a human – not a computer. You’ll hear back in as little as 1 hour. We’ll explain the interest rate and repayment schedule, as well as the methods on how you can repay the loan.
STEP 3
If your loan is approved, you’ll get access to the digital loan documents following the NZ responsible lending laws, and the money will be deposited in your account within 24 hours.
Getting started takes only 6 minutes.
APPLY NOWFrequently Asked Questions
What lending is available to small businesses.
Quick Loans will mostly lend up to $100,000 NZD, but on occasion, we’ll lend more, depending on your individual requirements, the business potential, or the assets you’re looking to purchase. Equipment loans, asset loans, cash flow relief, and venture capital are all things that we lend on.
We’re a new business. Will you lend to us?
Yes, but we evaluate the business owner’s personal credit history, and they’ll need to provide suitable security.
What are the requirements for business funding?
To qualify for a secured loan with fixed interest rates, you typically need to provide basic documentation. This includes valid identification, proof of your business address, financial statements, and a detailed business plan. Our lending specialists will also assess your financial position and may require a cash flow forecast to evaluate your ability to repay the loan. The exact requirements can vary based on our loan team’s lending criteria, which is subject to change as the economy changes. However, we always act in accordance with the responsible lending code of New Zealand.
How quickly can I get a business loan from Quick Loans NZ?
We offer a streamlined process for borrowers that allows business loans to get preliminary approval within 60 minutes. This rapid approval process is facilitated through online applications, which require less paperwork compared to traditional lending methods from banks. However, the speed of approval can depend on the completeness of your application, an assessment of your financial situation, including your credit history with us and other finance companies. Once approved, you should receive the funds within one business day.
What types of business loans are available for small businesses?
Small businesses in NZ can access various types of business loans. These include term loans, which provide a lump sum for a specific period, overdrafts for flexible borrowing, and line of credit options that allow you to borrow as needed. Each type has its own interest rate and repayment structure, so it’s essential to choose one that aligns with your business needs.
What factors affect the interest rate on my commercial business loan?
The interest rate on your commercial loan can be influenced by several factors, including your credit history, the amount you wish to borrow, the duration of the loan, and our lender’s policies at the time. Generally, borrowers with a solid credit score can secure lower interest rates.
What is the process for applying for a commercial loan online?
Applying for a business loan online is a straightforward process with Quick Loans. Start by visiting our website and filling out an online application form. It will take approximate 6 minutes to complete. You’ll need to provide information about your business, including your business plan, financials, the amount you want to borrow and why.
Easy, Fast Loans With Our ‘Digital Signature’ Service
You’re busy. We get that. That’s why you can sign for, and receive your funds, without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today! Click here to start the process.