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What is a Business Loan?

A Business Loan can support you with just about any purpose within your business, including but not limited to, Cash Flow Management, Marketing, Renovations, Purchasing Inventory or New Equipment and General Working Capital.

With our assistance you can get a Business Loan for 3 to 24 months with easy repayment terms that can be made either daily or weekly.

If you are applying for a Business Loan that is up to $100,000, you will find that some providers require a personal guarantee and no asset security. Asset security will not be required as long as you follow the terms of your Business Loan (details found in your business loan contract).



Always have a list of financial goals before you even think about going into business if you want to be a success. 


Personal Loan

Personal loans allow you to borrow money for specific purposes like: travel, home renovations and repairs or getting a new family car.

With competitive interest rates, flexible terms and payments that are suited for you, you can choose from Secured and Unsecured loans.

We can help you with your personal loan applications. Contact us if you want to know more about this.

Normal lending criteria and loan terms apply.

When applying for personal loan, you'll need to meet the following lending criteria:

  • Be at least 18 years old.

  • Receiving a regular income.

  • Having enough money left over at the end of month, after your expenses are paid, to meet your loan repayments.

  • Being a New Zealand citizen, permanent resident or if you’re a non-resident, have more than one year left on your work visa.

  • Proving your identity and earnings.

We need to get the following from you:

  • Your personal tax details, including your Foreign Tax Identification Number (TIN) if you are a tax resident of another country.

  • Details of your income, expenses, assets and existing debts.

  • Three months of bank statements as proof of your income.

  • Completed application form

Repayments and fees

Fee Type

Fee Amount

Establishment and documentation fee

Loan payment failed fee

Overdue payment
(You will be charged default interest in addition to the normal interest rate on any overdue balance until the overdue balance is paid.)

Change repayment amount

Make lump sum payment

Pay off loan

Your existing interest rate +5% p.a.





$10 per failure



The Truth about Debt Consolidation

Debt consolidation helps you manage your cash flow especially if you tend to have the habit of overspending and have a lot of debts. Typically repaying debts would be difficult as you may not have any savings, so this where debt consolidation comes in.

Things to note on Debt Consolidation

The information above may be true but the purpose of debt consolidation is to help the clients manage their cash flow at present. These are the people with bad spending habits and have a lot of debts. paying off their debt is the first option but due to lack of savings this is not possible. This is where debt consolidation came to the rescue. debt consolidation has helped  a lot of clients get their first property.

Debt consolidation may extend the time of payments yes but the purpose of debt consolidation is to minimize the clients' monthly repayments and help them to buy a house. I will send you a link as reference. for this one. or we can talk to further discuss.

When we consolidate it has to be at a lower interest rate otherwise not good to consolidate. 

Consolidation of debts will help clients manage their repayments better. Rather than having loans in 7 different providers: banks, credit cards etc. consolidation of loans to one provider only will help them manage their cash flow better.  easy to monitor outgoings.



Goal: Consolidate their debt into one repayment. Our customer had tried other lenders but nobody would cover this amount.

Current debt: Personal loans with Heartland bank and Finance Now, vehicle loan with MARAC

Current minimum monthly repayments




$48,000 personal loan approved by lender

13.90% p.a. secured interest rate

New minimum monthly repayment 





Goal: To have their debt repaid within 3 years

Current debt: Bank overdraft, credit cards with Gem visa and Q Card, and personal loans with Avanti and Finance Now


$35,500 personal loan approved by lender over a 3 year term.

12.90% p.a. unsecured interest rate

We also reduced their monthly repayment - so they'll pay it off quicker and pay less overall

Previous minimum monthly repayment



New minimum monthly repayment