How It Works: From Goal to Funded in NZ

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1. Bring the goal and the gap (about 60 seconds)
Tell us what you're funding, roughly what it costs, how much your other pieces cover and what's left. There's no credit check when you first enquire.
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2. A real person reads it and calls you
One specialist looks at the whole mix — not just the loan amount — and rings you to fill in the gaps. Your details aren't sent around a crowd of lenders.
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3. We test the loan piece
Secured or unsecured, the size of the gap, how fast the goal pays back and what repayments your cash flow can carry. Sometimes the honest answer is 'remix a bit more first'.
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4. Documents only when you say go
If a route fits and you want to proceed, we tell you exactly what the lender needs. A credit check is raised at this point, not before.
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5. Funds land where they're needed
Money is paid to your business account or straight to the supplier, vendor or landlord — so the goal gets done.

Before you enquire: do a quick remix

You'll get a sharper answer if you've already thought about the pieces you control. Run your goal through the funding remixer, or read the worked mix for your goal under remix by goal. Even rough numbers help — "about $80,000 for stock, supplier will give us 60 days on half of it" tells us more than a bare loan amount.

What we'll ask on the call

What the money is for, and when you need it.
How the goal pays itself back — more sales, lower costs, a contract payment, a seasonal peak.
Your trading history, region and rough monthly turnover.
Whether you own property, and any existing lending against it.
Anything a lender will find anyway: missed payments, IRD debt, a past decline. Telling us early lets us pick a route that can actually work.

Common questions

Does enquiring affect my credit score?

No. There's no credit check when you first enquire. One is only discussed after you've seen an option and decided to go ahead.

Will my details be sent to lots of lenders?

No. One real person works on your enquiry and matches it to a suitable lender. We don't spray your details around.

Do I have to borrow the whole amount of my goal?

No — and usually you shouldn't. The loan piece should be sized to the gap left after supplier terms, deposits, your own cash and any other pieces.

How quickly can it happen?

It depends on the route. Unsecured options can move quickly once statements are in; property-secured funding needs a valuation and legal work. We'll give you a realistic timeline on the first call.

What should I have ready?

Your NZBN or company details, recent business bank statements, photo ID and, for property-secured funding, the property address and current mortgage balance.

Ready? Start your enquiry — it takes about a minute.

From goal to funded, in five moves