Readiness
Get ready for a fast lending decision
The documents, registers and numbers a lender checks first. Get these straight and a 24-hour decision becomes realistic.
Documents checklist
The exact documents NZ lenders ask for on a fast business loan — unsecured and property-secured — and how to get each one in minutes from myIR and your bank.
Read more →Eligibility
Who qualifies for a fast business loan in NZ? Trading history, turnover, security, credit and IRD position — what matters, what doesn't and the deal-breakers.
Read more →NZBN and Companies Office
Lenders look you up on the Companies Register in minutes. Check your NZBN, directors, shareholders and annual return status first so nothing surprises you.
Read more →IRD status check
GST, PAYE, provisional tax and arrangements — how NZ lenders read your IRD position, how to pull proof from myIR in minutes and why honesty speeds things up.
Read more →Bank statements
Your bank statements tell a fast lender most of the story. What they look for line by line, the red flags, and how to send statements that speed things up.
Read more →Property security checklist
Using a home or commercial property to secure a fast NZ business loan? Check ownership, title, existing lending, equity, insurance and signers first.
Read more →Purpose and exit plan
What is the money for, and how will it be repaid? How to write a clear loan purpose and a believable exit plan that helps a fast NZ lender say yes sooner.
Read more →Accountant letters and financials
Do you need financial statements or an accountant's letter for a fast NZ business loan? When they're asked for, what they should say and how to get them fast.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
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