NZ Unsecured Business Finance

Unsecured Business Loans NZ —
No Collateral Required.

No property, no assets pledged. fundr compares multiple NZ lenders to find the fastest, best-fit unsecured loan for your business — one application, one point of contact.

No Security Required 24hr Funding Possible 3 Lenders Compared No Credit Impact to Apply
Get My Quote in 60 Seconds Check my eligibility first →
Trusted by NZ businesses No property or asset security needed

Eligibility — At A Glance

Min trading time6 months
Min monthly turnover$6,000
Loan range$5,000 – $200,000
ResidencyNZ citizen / PR
Funding speedFrom 24 hours
Property securityNot required

Figures shown reflect the most accessible criteria across fundr's unsecured lending panel — your actual rate and terms depend on which option best fits your business. Talk to Nick to confirm what you qualify for.

About fundr

The unsecured loan broker
that works for you.

fundr is an independent business finance broker — which means we work for your business, not the lender. When you don't have property or major assets to put up as security, the lender you approach matters even more.

We take your deal to lenders across our panel who specialise in unsecured business lending, and match you to the one most likely to approve you at the best available rate — not just the first one that says yes.

One application, one point of contact, from enquiry through to funds in your account.

How fundr works →
3
Unsecured lenders compared
24hr
Funding possible with select lenders
15yr
Commercial finance experience

Lender Comparison

Compare your unsecured
loan options.

View All Products →
Option 01

Up to $200,000

Funded within 24 hours of approval. 12+ months trading and $10K/month turnover required. Loan sizes assessed against a multiple of average monthly sales. Best for larger unsecured loans.

Compare This → Option 02

$5,000 – $150,000

Same-day funds available. Just 6 months trading and $6K/month turnover needed — no upfront security required. Best for fast funding for newer or smaller businesses.

Compare This → Option 03

$5,000 – $100,000

Unsecured, with a fixed rate for the full term and typical approval in 24–48 hours. Assessed on turnover and banking conduct rather than a fixed minimum. Best for smoothing cash flow, stock purchases and seasonal gaps.

Compare This →
Option 1 Option 2 Option 3
Loan sizeUp to $200,000$5,000 – $150,000$5,000 – $100,000
Trading history12+ months6+ months12+ months
Min. turnover$10,000/month$6,000/monthConsistent turnover — no fixed minimum published, assessed case-by-case
Term length6 – 24 monthsUp to 3 years3 – 18 months
Funding speedWithin 24 hours of approvalSame-day funds availableTypical approval in 24–48 hours
SecurityNot required up to typical range; may vary with risk profileNo upfront security requiredUnsecured — no asset security; director guarantee applies

Indicative criteria based on each lender's published requirements as of 2026. Final terms depend on individual assessment — fundr will confirm exact eligibility and pricing for your business before you apply.

Before You Apply

What strengthens
your application.

Unsecured lenders assess you on turnover, banking conduct and cash flow rather than an asset. Here's what generally helps — and what can make approval harder.

✓Consistent, steady monthly turnover
✕Sporadic or declining revenue
✓A clear purpose for the funds
✕Unclear or high-risk use of funds
✓Clean banking conduct
✕Dishonours or bounced payments
✓Cash flow comfortably covers repayments
✕Tight or negative cash flow
✓Acceptable credit history
✕Recent defaults or high-risk credit behaviour
✓No existing short-term debt stacking
✕Multiple short-term facilities already in place

Every lender weighs these differently, and none of this is a hard rule. Talk to Nick about where your business sits — we'll tell you honestly which lender gives you the best shot.

Finance Solutions

Unsecured financing solutions
at fundr.

Different products suit different needs — a lump sum, an on-demand facility, or short-term cash flow support. fundr structures the right fit for your business.

Small Business Loan

A lump sum with fixed terms, no collateral required. Best when you know exactly how much you need and want a clear repayment schedule.

Business Line of Credit

Draw funds as you need them and pay interest only on what's used. Ideal for managing ongoing or unpredictable cash flow gaps.

Cashflow Finance

Short-term support to smooth out lumpy revenue, cover repairs, or take advantage of a bulk-buy opportunity, with weekly repayments.

Working Capital Top-Up

Bridge the gap between invoicing and getting paid, cover a tax bill, or fund payroll through a slow patch — without touching your overdraft.

Debt Consolidation

Combine multiple existing finance facilities into a single unsecured loan with one repayment, one rate and one lender to manage.

Why Choose fundr

Why NZ businesses choose
fundr for unsecured loans.

3 Unsecured Options Compared

We check your business against our unsecured lending panel's criteria and point you to the option most likely to approve you at the best rate.

Approved in 24–48 Hours

Unsecured loans are built for speed. With bank statements and ID ready, some lenders can fund within 24 hours of approval.

No Property Required

No home, vehicle or equipment needs to be put up as collateral. Approval is based on your trading history and revenue.

Talk to Nick Directly

No call centres, no junior staff. You deal directly with Nick — an experienced commercial finance broker who knows unsecured lending inside out.

How It Works

Unsecured finance made
simple and fast.

Full Process →

Tell us what you need

A quick chat about how much you need and what it's for. No property to describe, no security to discuss — just your business and its numbers.

⏱ 3 minutes

We match you to the right lender

Based on your trading history and turnover, we point you to the lender most likely to approve you — not just the first one that says yes.

⚡ We do the legwork

Funds in your account

With bank statements and ID ready, some lenders can have funds available within 24 hours of approval.

✓ ~24 hour decision

Not sure which lender
fits your business?

Tell fundr what you need it for and how much — we'll tell you which lender is realistic for your business, before you apply anywhere.

Get My Options → Or call Nick: 021 102 3416

Repayment Calculator

Estimate your unsecured
loan repayments.

Get a rough idea of monthly repayments based on loan amount and term. Actual rates depend on your business profile — get a proper quote to see your real options.

Est. Monthly Payment $0

Figures are estimates only. Actual rates and repayments vary based on your business profile and lender approval. No credit check performed.

Get a Real Quote →

Common Questions

Unsecured loan
FAQs.

Everything NZ businesses ask before applying for an unsecured loan. Still have questions? Call Nick directly.

📞021 102 3416 →

Our Promise

Our Promise to You

No runaround, no endless waiting. Just straight-up unsecured finance that actually works for your business.

3 Unsecured Options Compared

We shop your deal across our full unsecured lending panel — not just whoever your bank is. More choice means better rates.

Decision in 24 Hours

Not three weeks. Most applications get an answer the same day or next business day.

Flexible Loan Terms

Repayments structured around your cash flow — not the lender's preference.

Talk to Nick Directly

You deal with one person — Nick — from enquiry through to settlement. No 0800 numbers.

Unsecured Lending Expertise

15 years in commercial lending. We know what unsecured lenders need and how to get your deal across the line.

Lifetime Support

Ongoing admin and support long after your loan settles. We're here when you need us — always.

Get Started

Get your unsecured loan options —
fast, simple, no fuss.

Apply Now — It's Free → Check eligibility

Apply in 3 minutes No credit impact We'll be in touch within the hour

Prefer to talk first? Call Nick: 021 102 3416

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