Commercial & Business Lending Loan Broker in NZ. Grow faster with Spinach.
New Zealand's friendliest business loan broker
What size loan does your business need?
*This business loan calculator example is for illustrative purposes only. It is based on an average Spinach Business Loans customer. Calculations exclude admin fees. For more information about our responsible lending, contact us here, contact us here
We’re committed to responsible lending, ensuring our loans are affordable and sustainable for businesses, finding you the loan you need for a new venture without putting personal assets or credit rating at risk. Our business loan calculator provides an estimate of your monthly repayments, but we’ll work with you to determine a repayment plan and loan terms that fits your budget.
We understand that starting a new business can be challenging, which is why we’re dedicated to supporting entrepreneurs like you with small business loans to get your venture off the ground.
Partner With Spinach for Business Loan Lending
At Spinach, we pride ourselves on being New Zealand’s friendliest business lending broker, committed to helping small businesses grow with our range of secured and unsecured business loans NZ. Whether you’re looking to purchase new equipment, extend your production line, or finance a new addition to your van fleet, we’ve got you covered.
Our loans for small business owners comprise personal loan, secured loan or unsecured business loan options, asset finance, working capital loans, plant & equipment loans, business equipment loans, small business loan and borrowing money opportunities, and invoice financing. We’ll work with you for the tailored best deal for your organisation, with an excellent interest rate.
Apply for Business Loans
We understand that every business is unique, which is why we help clients apply for business loans tailored to suit their specific requirements and opportunities, personal credit and cash flow. By partnering with Spinach business loan advisers, our specialists are available to discuss your particular finance needs and help you choose the right borrowing options for your business, with excellent interest rates.
Speedy Business Loan Applications
Applying for a business loan with us is a breeze. Our online application process is simple and straightforward, taking only a few minutes to complete. We provide quick approval, often within the same day, and once approved, we arrange for the transfer of funds to your business bank or vendor in accordance with lending criteria.
We’re passionate about helping businesses succeed. We’re funding restaurants, health services, manufacturers, and plumbers with personal loans, unsecured loans, and many more options at an excellent interest rate, and we’re ready to help your business grow too. Our customers have had great experiences with us, praising our excellent customer service and efficient processes, professionalism, industry knowledge, and fast service, finding loan repayments that suit each business and financial situation.
Spinach NZ – A Business Loan Broker
At Spinach, we are funding specialists who understand the challenges small business owners face in securing financing to fuel their growth. That’s why we offer a range of business loans, from working capital loans to business equipment loans, to suit your specific needs. Whether you’re looking to expand your operations, invest in new business assets, or launch a marketing campaign, we have a loan that can help.
Our online application process is designed to be quick and easy, so you can get the funding you need without delay. And our experienced funding specialists are always available to discuss your finance needs in detail, taking into account your personal credit history and cash flow situation to find the best interest rate when you borrow. We’ll work with you to find the best loan for your business, ensuring you can access the capital you need to achieve your goals.
We ensure you pay interest at an affordable level, keeping your cash flow forecast and business growth stable and heading in the right direction.
Expert Financial Service Providers
When you work with Spinach for finance online, you can be confident that you’re partnering with a lender who cares about your success. We’re committed to helping small businesses thrive; we’ll do everything we can to ensure your financing experience is positive and rewarding. So if you’re ready to take your business to the next level and capitalise on a business idea, contact us today to learn more about our small business loan options.
Choose a Business or Commercial Loan Broker to Suit Your Needs
Browse options below, click through to read more, or get in touch now to discuss your specific finance needs with us.
Business Loans
Secured and unsecured business loans tailored to your goals. Whether you need funds for growth, stability, or opportunity, we connect you with the right lender and structure.
Buying a Business Loan
Ready to take over an existing business? We’ll help you structure the right finance, review your plan, and connect you with lenders who back strong opportunities to suit you
Asset Finance
Fund the tools, vehicles, or machinery your business needs without draining cash flow. Asset finance spreads the cost, keeping your operations efficient and future-ready.
Working Capital Loans
Keep your business running smoothly with working capital loans designed to cover everyday expenses, manage seasonal dips, and support ongoing growth without disruption.
Invoice Finance
Invoice finance gives you fast access to money you’re already owed. Use it to pay wages, buy stock, or keep cash flow steady while waiting for customers to settle their accounts in full.
Equipment Finance
From printers to production lines to vans, we finance the assets that keep your business moving. We also offer competitive vehicle loans designed to fit your business growth.
Unsecured Finance
If you have strong financials, unsecured loans can provide fast access to funds without tying up assets. We’ll help you to secure flexible terms tailored to your goals now and in the future.
Small Business Loans
Restaurants, trades, healthcare, or manufacturing, we fund small businesses across New Zealand. Our loans give you a boost to grow stronger and achieve your business goals
How it Works
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Complete Your Online Application
Confirm your details and apply online in a matter of minutes.
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Get approval
We'll get back to you often within the same day. How good is that? Draw down your funds
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Draw down your funds
Once approved, we arrange the transfer of funds to your business bank or vendor