Overdraft Providers

An overdraft is the most common and often the lowest cost way to manage your daily cash flow needs. Many businesses will need more than an overdraft will provide to manage their cash flow well, especially when taking advantage of growth opportunities.

BNZ
ANZ
Westpac
ASB
KiwiBank
On-Demand Finance Providers

This type of financing is ideal for SMEs who need flexible finance to ensure they are on top of their cash flow

FundTap
Invoice Finance Providers

Typically invoice finance is only for medium or large businesses. This option allows these businesses to unlock the funds that are tied up in their accounts receivable (their invoices waiting for payment) and smooth out cashflow.

Scot Pac
Lock Finance
Waddle
Credit Cards Providers

Most businesses will only use a credit card for online purchases (such as subscription or a service), although it is better to use a debit card for this. They are not typically used to finance a business due to the small amounts available and higher fees.

BNZ
Wise
Revolut
Term Loan Providers

Term loans are ideal for situations in which a lump sum is needed to capitalise a business. This might be during the start-up phase or in a time of growth.

BNZ
ANZ
Westpac
ASB
KiwiBank
Term Loan (unsecured) Providers

An unsecured term loan can be used as a source of capital for business owners without property to use as collateral.

Heartland
Prospa
Equipment Finance Providers

You can use this type of financing to purchase just about anything you could need to run your business: office furniture, medical equipment, farm machinery, tools, large kitchen appliances, and more.

UDC
Westpac
Finance New Zealand
Rabobank
ANZ Bank