About us
We start with the goal, not the loan
A New Zealand site for owners who want to fund something specific — and would rather borrow less, or not at all, if the mix allows.
Most funding conversations begin with a product: here's a loan, how much do you want? We think that's backwards. A business owner rarely wants a loan for its own sake. They want stock on the shelves before summer, a second van on the road, a fit-out finished before the lease starts, or a GST bill paid without wrecking the month. So that's where we start.
What we do
Alternative Business Loans Online publishes practical, New Zealand-specific guides and tools that show how to fund a business goal by mixing routes — supplier terms, customer deposits, invoice funding, asset refinance, equipment finance, a partner, a grant where one genuinely exists, selling gear you don't use, and your own cash. When the gap that's left calls for finance, a real person helps match it to a suitable lender.
- Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat-style security over residential or commercial property.
- Unsecured and cash-flow options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
- Bad credit and IRD debt considered case by case. Business purposes only.
Who we help
Owners of trading businesses right across New Zealand — Auckland retailers, Waikato contractors, Wellington consultancies, Canterbury manufacturers, Otago hospitality operators and everyone in between. Sole traders, partnerships, companies and trusts all come to us. What they share is a specific goal and a preference for a sensible structure over the biggest possible loan.
The promises
No credit check to start
Asking us to look at your mix leaves your credit file untouched. A credit check is only raised once you choose to go ahead with a lender.
No spray and pray
Your enquiry isn't fired off to a list of lenders. One person reads it, works out which piece you actually need and talks to you first.
A real person on your mix
A specialist calls you back to talk it through. Straight, accurate answers on the form mean the first route we suggest is the right one.
These aren't slogans. Enquiring doesn't touch your credit file. We don't sell or blast your enquiry to a list of lenders. And the person who calls you has actually read what you wrote. The one thing we ask in return is honesty on the form — accurate figures get you the right route on the first call.
How we write
Our guides are written for New Zealand businesses and checked against official sources such as Inland Revenue, business.govt.nz and the Companies Office. We don't publish interest rates, because every facility is priced on the business's own circumstances. Examples on this site are illustrative and never describe real customers.
Who operates this site
Alternative Business Loans Online is operated by Leadsource International Manager Limited (NZBN 9429047325371), trading as Alternative Business Loans Online.
Ready to look at your own mix? Start a 60-second enquiry or play with the funding remixer first.
Got a goal? Let's mix the money for it.
Tell us the goal and the gap in about a minute. There's no credit check to start, nothing is blasted to a list of lenders, and one real person works out which piece you actually need.
No credit check to start
No spray and pray
A real person on your mix