Want a Loan to Purchase an Existing Business?
We are New Zealand’s friendliest loan experts. Spinach makes the process simple, fast, and supportive. Our buy a business loan options are designed to give you the financial backing you need to secure an existing business and step confidently into ownership.
With years of experience arranging business loans, we know how to match the right finance to your plans. From your first enquiry through to settlement, you’ll have a dedicated consultant guiding you every step of the way.
Why Choose Spinach?
Tailored Funding Solutions
Every business purchase is unique. We structure your loan to match the size and shape of your opportunity, from sole-trader operations to established enterprises.
Support for Business Purchases
Buying an established business can be a smart move, but it requires the right financial backing. Our loans cover purchase costs, upgrades, and working capital to help you step confidently into ownership.
Quick Approvals & Flexible Terms
Timing is critical when making a purchase. That’s why Spinach delivers fast decisions and repayment options tailored to your cash flow, so you can move quickly when opportunities arise.
Interest Rates as low as
7.6%
Asset Finance up to
$ 1M
Unsecured Lending up to
$ 500K
Our Loan Options
At Spinach, we provide a wide range of finance solutions for Kiwis ready to buy or grow an established business. Whether you’re stepping into ownership for the first time or expanding your portfolio, we’ll connect you with the right funding at the right time.
Business Loans
Customised secured and unsecured business loans to support your purchase. Whether it’s growth, stability, or opportunity, we’ll structure finance that fits your goals.
Small Business Loans
From cafés and retail stores to trade services and more, we help you fund essential business purchases. Get the support you need to step confidently into ownership.
Asset Finance
Do you need vehicles, machinery, or essential tools as part of your business purchase? Asset finance spreads the cost so you can upgrade without draining cash flow.
Working Capital Loans
Cover the everyday expenses of a new business or manage seasonal fluctuations after purchase with flexible working capital loans that keep operations running smoothly.
Equipment Finance
From production lines to delivery vans, we help finance the equipment and machinery that keep your business moving. Competitive vehicle loans can help support growth.
Invoice Finance
Buying a business means inheriting accounts, too. Invoice finance lets you unlock cash tied up in unpaid invoices so that you can maintain healthy cash flow from day one.
Unsecured Finance
If your business has strong financials, unsecured loans offer quick access to funds without tying up assets. We’ll help arrange flexible terms that suit your current and future plans.
Ready to apply for a business loan to buy an existing business?
If you’re looking for a loan to support you on this exciting journey, Spinach is here to help. You get a personalised loan consultant from start to finish, and we make the process quick, simple, and we ensure our support aligns with your goals.
Secured & Unsecured Lending
At Spinach, we offer both secured and unsecured small business loans, so whatever your financial circumstances or business needs, we have an option that fits.
Unsecured loans don’t require you to put forward an asset as security, though they generally come with higher interest rates. The advantage is peace of mind – if situations change and repayments fall behind, you won’t risk losing your home, car, or other valued assets.
That extra layer of security makes an unsecured small business loan an attractive choice in today’s unpredictable financial climate. With Spinach, growing your company doesn’t mean putting your personal property on the line.
Our flexible unsecured loans, available from $10,000 to $500,000 for small businesses across New Zealand, give you the freedom to chase your business dreams without risking your dream home.
How to Apply for a Loan to Buy a Business
Apply online in minutes – Complete our simple application form, or call us on 0800 774 622 to chat directly with our friendly team.
Get a fast decision – We’ll review your business details and usually provide an answer within a day.
Sign and receive funds – Once approved, sign your contract and access your funds in as little as 24 hours.
FAQs About Buying a Business Loan
What is a loan to buy a business?
This provides the funding you need to purchase an existing company. It can cover the purchase price, goodwill, stock, equipment, and even working capital to ensure a smooth transition into ownership.
Can I get a loan if I’m a first-time owner?
Yes. Whether you’re new to ownership or expanding your portfolio, Spinach can tailor a buy business loan to suit your circumstances. Our team will guide you through structuring the finance and matching you with the right lender.
How quickly can I access funds for a business purchase?
Speed matters when buying a business. With Spinach, you can often receive a decision within 24 hours of applying. Once approved, funds are transferred quickly so you can move forward without delay.
What costs can this type of loan cover?
This can be used for purchase costs, upgrades, stock, equipment, and even ongoing expenses. It ensures you have the capital to run your new venture confidently from day one.
Do I need to provide security?
Not always. Spinach offers both secured and unsecured loan options. Secured loans use assets as backing, while unsecured loans provide flexibility without tying up property — giving you peace of mind while you grow.