Need a loan to Buy a Business?

If you’ve found a business where someone else has already planted the seeds, we’ll give you the financial nutrients to buy it, grow it, and make it your own.

How to get a loan to buy a business

Buying a business in New Zealand is one of the best ways to hit the ground running because you get to reap what someone else already sowed. All you have to do is add your own flavour and watch it flourish.

At Spinach, we have genuine experience with people just like you who have found the perfect business, but just don’t quite have the money together to make it happen. 

When you choose us, we do our sincere best to make sure you get the financing that allows you to own your very own business. 

This means getting your own dedicated business buying loan consultant that will walk you through every step from go to whoa — no question too small, no idea too big.

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Rates as low as

7%

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Asset Finance up to

$ 1M

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Unsecured Lending up to

$ 500K

We’ll Get You the Loan to Buy Your Business

Whether the previous owners are retiring, downsizing, or if you have the opportunity to buy a franchise, buying an existing business is a great way to go. 

Of course, to own your own business, you’ll need some money to get started. Whether you only have a small nest egg to invest, or you have no money upfront, Spinach can help you secure a fair loan to buy a business in New Zealand. 

Our team canvases New Zealand’s most trusted funding providers on your behalf to make sure you get the best deal possible. Everything we do is flexible with you in mind, so that we can customise every aspect of your loan to buy a business. 

Secured and Unsecured Business Buying Loans

Buying your own business can be daunting enough on its own — the last thing you want is to have to put your house on the line or dip into your kids’ uni funds. 

With Spinach, you have the opportunity to buy a business with an unsecured loan between $100,000 and $500,000. 

There’s no need to feel like you’re risking your hard-earned assets to buy an existing business — if you back your business, so do we. 

Here's how it works

Group 19

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

Group 18

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

Group 14

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

Seasoned Loan Advisors Dedicated to
Helping You Buy a Business

We understand that buying a business isn’t just about the numbers, so we make a point of understanding your needs, worries, and dreams so that the entire business buying loan experience is as stress-free as possible. 

Wherever you are on your business buying journey, give us a call on 0800 774 622 during business hours, or email info@spinach.co.nz anytime.

There really is no obligation at all; we’re just here to help plant the seed. 

buy a business loan apply now

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

Ready to talk about a loan to buy a business?

Want to have a no obligation chat about your business requirements. Ask us to call you!

What You Need to Know About Getting a Loan to Buy a Business in New Zealand


Alright, fair enough. We’ve been doing this a long time, so of course we would say getting a loan to buy a business is easy. But when you get to the business end of buying a business, you’re bound to have questions. Let’s take a look at the basics of getting a loan to buy an existing business in New Zealand…

What You Need to Know About Getting a Loan to Buy a Business in New Zealand

Alright, fair enough. We’ve been doing this a long time, so of course we would say getting a loan to buy a business is easy. But when you get to the business end of buying a business, you’re bound to have questions. Let’s take a look at the basics of getting a loan to buy an existing business in New Zealand…

Who Can Get a Loan to Buy a Business?

Generally speaking, anybody who has their head screwed on can get a loan to buy their own business. Everyone starts somewhere, so if you have a good opportunity, there will be someone willing to loan you the money to get started.

Trust us when we say every single situation is different — which means there is no one-size-fits-all solution for getting a loan to buy a business. For this reason, we take real pride in sitting down with our clients to nut out something that really works for them.

Every facet of your life and business will be different to the next person, so it’s important we get the whole picture to help your garden grow. By and large, the main things we’ll figure out are your credit profile, your income streams, and your personal assets. From there, we’ll explore every avenue to find something that works for you.

Whether you know exactly what you want, or you have a million questions, we’re here to help. Give us a buzz on 0800 774 622 during business hours, or email info@spinach.co.nz anytime.

What Is the Process for Getting a Loan to Buy a Business?

Honestly, for something as life changing as buying your own business, applying for a loan to buy a business is remarkably simple:Honestly, for something as life changing as buying your own business, applying for a loan to buy a business is remarkably simple:

  1. Apply online from this page, or call us on 0800 774 622. Either way, it’ll be five minutes, tops. 
  2. Our team will go over your application ASAP. We make a point of trying to get back to you the same day.
  3. Put pen to paper, sign on the dotted line, and get your funds in as little as 24 hours.
  4. You are now the proud owner of your own business!

If it sounds like we’re being a bit cheeky, we promise it can actually be that simple. If you have everything in order, you can have your loan to buy a business super-quick. As always, any solution needs to be tailored just for you, so give us a on 0800 774 622 during business hours, or email info@spinach.co.nz anytime to find out more.

How Quickly Can You Get a Loan to Buy a Business?

If you’re in a real rush, and you already have all of your ducks in a row, in some cases we can get you a loan to buy a business within a day. Naturally though, lots of things need to go smoothly for that to happen:

If you’re in a real rush, and you already have all of your ducks in a row, in some cases we can get you a loan to buy a business within a day. Naturally though, lots of things need to go smoothly for that to happen:

  • You’ll have to be able to respond to your Spinach loan specialist ASAP.
  • You’ll need to be completely open and honest about your financial situation, so we don’t have any hiccups.
  • Let us know if you’ve already applied for a loan to buy a business elsewhere, so we can focus on the places you didn’t approach.

Again, with all things growing a fruitful business garden, there are lots of things to consider. If you want to see how quickly you could get a loan to buy a business, call us on 0800 774 622, or email info@spinach.co.nz.

Secured and Unsecured Lending — Can You Buy a Business With No Money?

We’ve seen this many times before — the opportunity to buy a great business falls on someone’s lap, but they don’t have the cash or assets on hand to take advantage of the offer.Thankfully, we’re pretty good at what we do (if we do say so ourselves), and we can almost always come up with a solution that’s fast and fair.

If you have assets like a home or a car you are willing to put up as collateral, then a secured loan is a great solution for you. However, if you don’t have assets like that, or you simply don’t want to put them on the line for buying your business, we can help you out with an unsecured loan.

We can offer unsecured loans from between $10,000 to $500,000 to help you buy a business, which means there is no need to risk your hard-earned assets.

New Zealand is literally one of the best places on earth to own your own business, and we reckon part of the reason for that is how simple it is to get funding to buy a business. At Spinach, we’re proof of that, with our huge range of flexible options that can help you own your own business.

Whether you’ve got heaps of money on hand or none at all, contact us now on 0800 774 622 or info@spinach.co.nz for a zero-obligation chat.

Why Choose Spinach for Getting a Loan to Buy a Business?

We love helping Kiwis kick goals in life and business, so we really enjoy the one-on-one approach. We’re not a big bank, and you don’t need to dress up in your business-best to impress us.

We’re a Kiwi-owned, family business looking to help other Kiwis get their own businesses — it’s a pretty simple idea, and we like to keep it that way. By focussing on helping fellow New Zealanders create their own business opportunities, we’ve been able to become really, really good at what we do.

This means we’ve built up a huge network of New Zealand’s best lenders so that we can get our customers the best deals out there. We pride ourselves on being able to negotiate hard on your behalf, but still be super-friendly and approachable to you.

But don’t just take our word for it. See what our satisfied customers have to say about working with us.

If you need to know anything, and we mean anything about getting a loan to buy a business, call us now on 0800 774 622 or info@spinach.co.nz for a no-obligation chat.