Explore Business Loans in NZ

It only takes a few minutes to apply. Discover our range of business loans that power momentum, stability, and long-term growth.

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Interest Rates as low as

7.6%

Business Loans NZ

Asset Finance up to

$ 1M

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Unsecured Lending up to

$ 500K

Working Capital Loans

Working Capital Loans

Manage everyday expenses, prepare for seasonal shifts, and maintain smooth operations with working capital loans designed to give your business steady cash flow and room to grow at pace.

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Working Capital Loans

Small Business Loans

From cafés and trades to healthcare and manufacturing, we help small businesses nationwide access funding that supports daily operations, expansion, and long-term success with confidence and ease.

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Working Capital Loans

Asset Finance

Spread the cost of essential tools, vehicles, or machinery without affecting cash flow. Asset finance helps you stay productive, upgrade equipment, and keep your operations running efficiently and reliably.

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Working Capital Loans

Equipment Finance

Finance everything from small tools to major machinery with ease. Our options include flexible structures and competitive vehicle loans tailored to your business needs and growth plans.

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Working Capital Loans

Invoice Finance

Turn unpaid invoices into fast working capital and avoid cash flow hold-ups. Invoice finance lets you access the funds you’ve already earned while waiting for customers to pay their accounts in full.

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Working Capital Loans

Unsecured Business Loans

For businesses with strong financials, unsecured lending provides quick access to funding without requiring assets as collateral. Secure flexible terms aligned with your goals.

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Working Capital Loans

Buying a Business Loan

If you’re purchasing an existing business, we’ll structure finance that fits your vision, assess your plan, and connect you with lenders who understand strong opportunities and support confident ownership.

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Here's how it works

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Apply online in just a few minutes or call us direct on 0800 774 622

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Our system evaluates your business and typically provides a decision within a day

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Sign your contract and receive funds in as fast as 24 hours

Loan Specialists Dedicated to Helping You Grow

Sure, we provide fast, efficient business funding, but you also benefit from ongoing support from a knowledgeable broker. Give us a call on 0800 774 622 during working hours or email info@spinach.co.nz anytime.

Get the nutrients your business needs to grow big & strong

We use our extensive experience in business funding to get the loan your business needs to thrive – You get a personalised loan consultant from start to finish.

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Flexible Terms

Short term gap filler or larger sums. Arrange terms to suit your business from 3 months to 5 years.

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Unsecured Business Loans

You don't need to put up the house to grow your business. Unsecured lending up to $100,000

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Loan Solutions

No two business situations are the same, so we tailor the loan type, term and repayments to suit what you need.

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Fast Loan Approval

Don't miss that business opportunity. We can often get your lending approved within 24 hours.

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Committed Loan Consultants

Our experienced lending consultants will help you through the process, ensuring the best outcome for you.

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Ready for Anything

Every business is different – we’re ready to put the right funding case forward for your industry niche.

power up your business with a loan

Power up your business with a loan from Spinach

Flexible finance solutions for an ambitious business just like yours

  • Upgrade your space
  • Manage your cashflow
  • Hire more employees
  • Purchase inventory

Let’s Talk Business Loans Today

Want expert guidance on the right business loan? Ask us to call you and we’ll talk through your goals and help you find a solution that fits.