Business Finance

Funding to grow
your NZ
business.

fundr arranges business finance for Kiwi companies — from working capital and cashflow solutions to full business acquisition funding. Independent broker, 15+ lenders, decisions fast.

15+
NZ Lenders on PanelWe find the right lender for your deal
24hr
Typical Decision TimeMost applications decided same or next day
15yr
Commercial ExperienceBNZ, GE Capital, Wells Fargo & more
$0
Cost to EnquireNo obligation, no credit impact to apply

What We Arrange

Business finance
for every
situation.

fundr works across the full range of business finance — whether you need to free up cashflow, fund a new asset, or finance a business acquisition. We match your situation to the right lender and structure, not the other way around.

Working Capital

Need cash to cover day-to-day operations, bridge a gap between invoices, or take on a bigger contract? Working capital finance gives your business the breathing room to operate and grow without the wait.

Equipment Finance

Finance the tools, plant and machinery your business runs on — without tying up working capital. Equipment finance uses the asset itself as security, keeping rates competitive and the application straightforward.

Business Acquisition

Buying an existing business? Acquisition finance is complex — it often involves multiple funding layers including business loans, equipment finance and debtor finance. fundr structures the whole package.

Growth Finance

Ready to scale? Whether you're opening a second location, hiring staff, investing in stock or launching a new product line — fundr can structure the funding to support your next move.

Cashflow Finance

Invoice finance and debtor solutions that let you access the money you're already owed — without waiting 30, 60 or 90 days. Keep operations moving while your customers pay on their terms.

Unsecured Business Loans

No property or assets to pledge as security? Unsecured business loans are available through non-bank lenders in our panel — faster approvals, flexible criteria, and no collateral required.

Business Acquisition Finance

Buying a business
in NZ? We'll
structure the deal.

Business acquisition finance is one of the most complex deals a broker can work on. It's rarely a single loan — it typically involves multiple funding layers including business loans, equipment finance, and sometimes debtor finance, all structured together to make the purchase work.

fundr has experience across NZ business acquisitions of all sizes. We know which lenders have appetite for acquisition deals, how to present the opportunity, and how to structure finance packages that give you the best possible chance of getting the deal across the line.

Multi-lender deal structuringWe combine products across multiple lenders to fund the full acquisition
Lender matching for acquisition dealsNot every lender does acquisitions — we know who does and what they look for
Application structuring & packagingWe present your deal in the strongest possible light to maximise approval chances
End-to-end managementFrom first conversation to settlement — Nick handles every step personally
No obligation to enquireTell us about your deal — we'll tell you honestly what's possible

Our Promise

What you can always
expect from fundr.

Every business finance deal we work on comes with the same commitment to service, transparency and results.

15+ Lenders on Panel

We're not tied to any single lender. We go to the market and find the right fit for your deal — better rates, better terms, better outcomes.

24hr Decision

Most business finance applications receive a decision the same or next business day. No waiting weeks for a bank to come back with a maybe.

Honest Advice

We tell you what's possible and what isn't — clearly, without spin. If a deal can't be done, we'll tell you why and what to do next.

Right Structuring

Nick knows what each lender looks for. We structure your application to give it the strongest possible position from the start.

One Point of Contact

No call centres, no being passed around. Nick handles your deal personally from first enquiry through to settlement and beyond.

Lifetime Support

Our relationship doesn't end at settlement. We stay in touch, review your finance as your business grows, and are always available when you need us.

FAQ

Business finance
questions answered.

Common questions about business loans, working capital and acquisition finance in New Zealand. Can't find what you need?

The key is to understand why you need the loan, how much you need to borrow, and whether your business can comfortably manage repayments. fundr always starts with two questions: what do you need the funds for, and how much? From there we guide you to the right product and lender. Secured loans (backed by assets) offer higher limits and lower rates. Unsecured loans are faster but typically cost more. The right answer depends on your situation — that's what we're here to work out with you.
Approval depends on your financial position, how long you've been in business, whether you have collateral, and the type of finance you're after. Non-bank lenders aren't bound by the same rules as banks — they can offer more flexible approvals, often without requiring security. If your business is generating revenue and the numbers stack up, getting approved through fundr is usually straightforward. The main challenge arises when a business is struggling or not yet profitable.
Yes — unsecured business loans are available in NZ. They typically come with higher interest rates and lower borrowing limits due to the added risk for the lender, but the process is faster and more flexible. Equipment finance is a good middle ground — the asset being purchased acts as security, keeping interest rates lower without requiring you to pledge additional collateral.
A secured business loan uses an existing asset — such as property, a vehicle, or business equipment — as collateral. This reduces the lender's risk, which usually means higher borrowing limits and lower interest rates for you. Most traditional lenders prefer secured loans. If the loan isn't repaid, the lender has the right to sell the asset to recover the funds.
An unsecured business loan doesn't require you to put up an asset as collateral. Most lenders will still ask for a personal guarantee from the business owner. Unsecured loans are faster to arrange and are suited to businesses that don't have significant assets to pledge — though interest rates are typically higher to reflect the added risk.
Buying a business typically requires multiple layers of finance — a business loan for goodwill and intangibles, equipment finance for physical assets, and sometimes debtor finance for receivables. fundr works with you to structure the full package, identify the right lenders for each component, and present the deal in the strongest possible way. The goal is to get you to settlement with the right funding in place at the right cost.

Ready to grow
your business?

One conversation with Nick is usually all it takes. Tell us what you need — we'll work out the right structure and get you options fast. No obligation, no credit impact to enquire.