![Spinach Icon](https://spinach.co.nz/wp-content/themes/spinach/resources/themes/spinach/dist/img/spinachIcon.png)
Interest Rates as low as
9%
![Business Loans NZ](https://spinach.co.nz/wp-content/themes/spinach/resources/themes/spinach/dist/img/spinachIcon.png)
Asset Finance up to
$ 1M
![Spinach Icon](https://spinach.co.nz/wp-content/themes/spinach/resources/themes/spinach/dist/img/spinachIcon.png)
Unsecured Lending up to
$ 150K
![Working Capital Loans](https://spinach.co.nz/wp-content/uploads/2022/04/Group-9__ScaleMaxHeightWzQ2XQ.png)
Working Capital Loans
Finance the everyday operations of your business and top up your cashflow.
Learn more »![Working Capital Loans](https://spinach.co.nz/wp-content/uploads/2022/04/Group-12__ScaleMaxHeightWzQ2XQ.png)
Small Business Loans
Help turn your small business into a bigger one with a little boost from Spinach.
Learn more »![Working Capital Loans](https://spinach.co.nz/wp-content/uploads/2022/04/Group-17__ScaleMaxHeightWzQ2XQ.png)
Asset Finance
Whether you need a fleet of vehicles, new equipment, or tools, Spinach can help.
Learn more »![Working Capital Loans](https://spinach.co.nz/wp-content/uploads/2022/04/noun_machinery_2021928-2__ScaleMaxHeightWzQ2XQ.png)
Plant & Machinery Loans
Get the plant and machinery your business needs to upgrade or expand.
Learn more »![Working Capital Loans](https://spinach.co.nz/wp-content/uploads/2022/04/noun_invoice_1985061-2__ScaleMaxHeightWzQ2XQ.png)
Invoice Finance
Keep the cash flowing and your business growing with invoice financing.
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Unsecured Business Loans
We provide unsecured business finance up to $100,000 without security.
Learn more »Here's how it works
![step 1](https://spinach.co.nz/wp-content/uploads/2022/04/step-1.png)
Apply online in just a few minutes or call us direct on 0800 774 622
![step 1](https://spinach.co.nz/wp-content/uploads/2022/04/step-2.png)
Our system evaluates your business and typically provides a decision within a day
![step 1](https://spinach.co.nz/wp-content/uploads/2022/04/step-3.png)
Sign your contract and receive funds in as fast as 24 hours
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.
![noun adjust 138435 v2](https://spinach.co.nz/wp-content/uploads/2022/04/noun_Coins_895906.png)
Unsecured Business Loans
You don't need to put up the house to grow your business. Unsecured lending up to $100,000
![noun adjust 138435 v2](https://spinach.co.nz/wp-content/uploads/2022/04/noun_buyer_776774.png)
Loan Solutions
No two business situations are the same, so we tailor the loan type, term and repayments to suit what you need.
![noun adjust 138435 v2](https://spinach.co.nz/wp-content/uploads/2022/04/noun_Watch_569227.png)
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.
![noun adjust 138435 v2](https://spinach.co.nz/wp-content/uploads/2022/04/noun_seller_776775.png)
Ready for Anything
Every business is different – we’re ready to put the right funding case forward for your industry niche.