Working Capital Loans provide short-term funding to cover operating expenses.

Apply for Working Capital Finance and we’ll assist your growth

Harness your potential with a Working Capital Loan

A working capital loan allows you to continue your daily operations should you encounter untimely cash flow gaps, seasonal lulls or need to finance new equipment.

Working capital
to sustain business growth

A working capital loan can take many forms including finance to cover employee wages, a loan to cover the purchase inventory or invoice factoring so you collect money sooner.

You might require trade finance to cover the cost of products until they are sold. With Working Capital finance your business can fund gaps in business cash flow and inventory, to support operational activities.

Businesses should focus on maintaining enough operating capital to sustain growth and that’s where Spinach can help you.

Fuel growth through
Invoice Factoring

A dilemma many businesses face is that if they were paid the money they are owed that might overcome short-term cashflow issues or they could expand sooner.
Invoice factoring is a service where a business receives access to funds owed to them before it is paid by their customers.

The business sells its accounts receivables to a third party (called a Factor) at a discount, in order to get access to immediate cash.

It’s a positive method to turn unpaid invoices into cash – and with those funds, you can keep up with operational expenses.

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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

$ 250K

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

Skilled Loan Advisors dedicated
to serving NZ Businesses

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

Get the nutrients your business needs to for growth

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.

working capital finance to keep your business moving

Power up your business
with loans up to $300,000

Flexible finance solutions for an ambitious business just like yours

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

Request a call back

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