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.
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
What do Spinach business loan brokers do?
Our New Zealand team is committed to responsible lending, making sure every loan is both affordable and sustainable. We help you access funding for new ventures while protecting your personal assets and credit history. Use our business loan calculator to get an estimate of monthly repayments, then work with us to create a repayment plan and loan terms that match your budget and long-term goals.
Small Business Loans
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. Whether you’re looking to purchase new equipment, extend your production line, or finance a new addition to your van fleet, our broker services have you covered. Finding the right finance option depends on more than just interest rates. The best loan for your situation will align with your business goals, cash flow, and long-term plans. Here are a few key points to consider. At Spinach, we compare options across multiple lenders and help you weigh these factors to find the loan that fits best.
Define if your loan is for purchasing a business, managing cash flow, equipment, or property. The purpose shapes the structure and lender options.
Look at how repayments affect cash flow. Compare fixed or floating rates, short or long terms, and repayment flexibility to choose the best structure.
Consider what you can offer as security. Lenders may require collateral, such as property or assets, or a deposit. Knowing this in advance helps target the right options.
Think about how the loan supports future growth. The right finance should provide flexibility, enabling your business to adapt and expand over time.
Quick & Simple Business Loan Applications
Applying for finance with Spinach is straightforward. Our online application process takes only a few minutes, and approvals are often provided within the same day. Once approved, funds can be transferred directly to your business account or vendor, depending on your requirements and the lender’s criteria.
Why Choose Spinach?
We’re passionate about helping New Zealand businesses succeed. From restaurants and health services to manufacturers and trades, we’ve funded companies across a wide range of industries. Our clients value our customer service, industry knowledge, and fast turnaround times. Most importantly, we ensure repayments are structured to suit your business and its financial situation.
Your Trusted Finance Partner
As experienced business loan brokers, we know the challenges that come with securing finance. That’s why we take the time to understand your needs in detail, considering personal credit, cash flow, and growth plans. We’ll work alongside you to identify the most suitable loan and repayment structure, so you can focus on building your business. If you’re ready to take your business to the next stage, we can help. Get in touch with Spinach today to explore our small business loan options and start your application.
How it Works
-
Complete Your Online Application
Confirm your details and apply online in a matter of minutes.
-
Get approval
We'll get back to you often within the same day. How good is that? Draw down your funds
-
Draw down your funds
Once approved, we arrange the transfer of funds to your business bank or vendor
