Your questions,
answered.

fundr is an independent NZ finance broker — we work for your business, not the lender. You get one point of contact for all your business finance needs, access to 15+ lenders, and an adviser with 15+ years of commercial lending experience who structures your application to give it the best chance of approval. Most applications receive a decision within 24 hours.

No — Nick handles all lender communication on your behalf, from application through to settlement and beyond. You have one point of contact throughout the entire process. No call centres, no being passed around.

Be as upfront as possible about your situation — the good and the bad. The more context Nick has, the better he can structure your application and match you to the right lender. fundr doesn't do cookie-cutter finance; every deal is assessed individually and presented to the lender most likely to approve it on the best terms.

Yes, in many cases. fundr works with you and the lender to find a satisfactory outcome. If initial conditions aren't ideal, Nick will push back on your behalf to negotiate better terms wherever possible.

fundr's service is generally free to you — we're compensated by the lender, not directly by you. If any fee does apply, it will be clearly explained and agreed upon before we proceed. There are no surprises.

No. Interest rates vary based on several factors including the asset type, loan amount, loan term, your business credit profile, personal credit history, and the industry your business operates in. Because fundr works with 15+ lenders, we can find the most competitive rate available for your specific situation — rather than accepting whatever a single bank offers.

Repayments vary by lender and product type. Generally they are fixed monthly payments made either in advance or arrears, with a set interest rate for the term. Nick explains your exact repayment structure clearly before you commit to anything. You can also use the fundr calculator on our website to estimate repayments before you apply.

Early repayment penalties may apply depending on the lender and product. Some lenders allow early repayment without penalty; others charge a break fee. fundr will always make you aware of these terms before you proceed so there are no surprises down the track.

Generally you need to be 18+, a NZ resident or citizen, have a valid NZBN (6+ months trading preferred, though start-ups are considered), and be financing for business purposes. Lenders also consider your credit profile, revenue and financial history. fundr works with lenders across the full spectrum — including those who consider businesses with non-standard situations.

Requirements vary by deal size and complexity, but commonly include:

• Completed fundr application form
• Financial accounts (last 1–2 years)
• Recent bank statements (usually 3–6 months)
• Proof of identity for AML compliance (NZ passport or driver's licence)
• Proof of personal address

Nick will guide you through exactly what's needed for your specific application — no guesswork.

Most applications receive a decision the same or next business day. More complex deals — such as large equipment purchases or business acquisitions — may take a little longer. fundr works closely with lenders to move as fast as possible without cutting corners on structuring your application correctly.

Yes. fundr can work with lenders to secure a pre-approval, giving you the confidence and negotiating power of a cash buyer before you commit to a purchase. This is especially useful when buying at auction or when a vendor wants certainty of finance.

There are two ways: fill out the short application on our website and Nick will be in touch within 24 hours, or call Nick directly on 021 102 3416 to start the conversation. Either way, Nick reviews your application personally and takes it from there.

fundr finances a wide range of assets for NZ businesses including:

• Vehicles — cars, SUVs, vans, utes (Hilux, Ranger, BT-50 and more)
• Trucks and heavy transport — rigids, semi-trailers, tippers
• Construction equipment — excavators, diggers, scaffolding, trailers
• Agricultural equipment — tractors, harvesters, irrigation systems
• Medical and healthcare equipment
• Hospitality and food service equipment
• Manufacturing and industrial plant
• Technology and IT infrastructure

If it generates revenue for your business, we can likely finance it.

fundr works across the main NZ business finance products including term loans, finance leases, operating leases, and working capital solutions. The right product depends on your business structure, tax situation, and whether you want to own the asset outright or return it at end of term. Nick will recommend the right structure for your situation.

Yes — fundr finances both new and used assets. Some lenders have age or condition restrictions on used assets, particularly for older equipment or high-kilometre vehicles, but there are lenders on our panel who specialise in used asset finance. Nick will match you to the right one.

Some lenders have restrictions based on asset age, type, or value. Finance must be for business use — personal-use assets are generally not eligible. If you're unsure whether your asset qualifies, the easiest thing is to get in touch and Nick will tell you straight away what's possible.

Yes. Business acquisition finance is more complex than standard asset finance — it often involves multiple funding layers including business loans, equipment finance, and sometimes debtor finance. fundr has experience structuring acquisition packages and knows which lenders have appetite for these deals in NZ.