Your Financial Ally: The Role and Benefits of a Business Loan Broker

From securing capital to managing cash flow, the financial world can be rather intimidating, especially for those new to business ownership. Among all of the difficult financial decisions you’ll need to make, one invaluable ally stands out: the business loan broker.

As a business owner, you may find yourself grappling with strange financial terminology that you’re not quite familiar with. Unfortunately, one wrong move can land you in hot water, even if it was due to a simple misunderstanding. Luckily, loan brokers are here to make the process simple and easy to understand. They can use their skills, experience, and knowledge to help you fully comprehend even the most complicated financial terms, helping you make informed decisions that benefit your business.

If you’re a business person who’s considering getting a commercial loan, we encourage you to keep reading to learn more about how a professional business loan broker can help you secure a fantastic deal. 

Understanding The Role Of A Loan Broker

Expert loan brokers serve as intermediaries between business owners and lenders, using their expertise to match businesses with the most suitable loan options. These professionals possess in-depth knowledge of the lending landscape, allowing them to explore various loan products and lender requirements.

When you work with one of these asset finance specialists, you can have peace of mind knowing that you’re partnering with someone who knows exactly what they’re doing. Whether you’re seeking capital to fund your business’s growth, purchase equipment or manage cash flow, a lending specialist can help you take advantage of your best opportunities.

Naturally, it’s important to find a business loan broker that meets your needs. Search for a professional that you get along with, who communicates well and who has a genuine interest in helping you. Before you begin working with anyone, make sure you ask them any questions you have so that you can gauge if they’re a good fit for you.

As you can imagine, there are plenty of incredible advantages to working with an exceptional loan broker who has your best interests in mind. A handful of these benefits include:

Access To Many Lending Options. Expert loan brokers maintain relationships with an extensive network of lenders, including banks, credit unions and other lending institutions. This broad network allows them to present you with a diverse array of lending options that are specifically tailored to your business requirements.

Expert Guidance And Advice. Exploring the world of business lending can be very overwhelming, especially for those unfamiliar with the process. Business loan brokers offer expert guidance and advice, helping you understand the nuances of different loan products, terms and interest rates. With their assistance, you can make smart, informed decisions that perfectly align with your goals and financial status. If you ever get confused, don’t hesitate to ask questions, and your loan broker should be able to clear things up for you in an easy-to-understand way.

Streamlined Application Process. Securing a business loan often involves a lengthy and complex application process. Professional loan brokers streamline this process by gathering necessary documentation, preparing loan applications and liaising with lenders on your behalf. Their expertise ensures that your application is presented in the best possible light, increasing your chances of approval.

Negotiation And Advocacy. Business loan brokers are skilled negotiators who advocate on your behalf to secure great loan terms and conditions. From negotiating interest rates to going for flexible repayment schedules, they work tirelessly to ensure that you receive the most advantageous deal available.

When you work with someone who cares about what they do, rather than someone who just sees you as any other client, you can have confidence in them and know that they’ll do whatever they can to help you.

Time And Cost Savings. By working with a skilled business loan broker who’s done this many times before, you can save heaps of time and money. Rather than dedicating countless, stressful hours to researching lenders and going over paperwork yourself, you can trust your lending specialists to lend you a much-needed helping hand.

Furthermore, professional loan brokers can help to identify deals that are better for you, potentially leading to cost savings through better interest rates. 

Securing Your Business Loan With Confidence

In the ever-evolving landscape of business lending, having a trusted, knowledgeable ally by your side can make all the difference. Lending specialists are pivotal in simplifying the lending process and empowering New Zealand business owners to make informed financial decisions.

Are you seeking financial advice regarding business loans? If so, our expert team of experienced asset finance specialists are here to help. At Spinach, we specialise in helping people boost their businesses with expertly negotiated business loans.

To learn even more, visit our website for details. We also have useful and easy-to-use tools available to help you understand your options, such as our business loan calculator.

Are you ready to get the process started? Feel free to contact our team on 0800 774 622 to get in touch.

Grow your business like never before with Spinach.

Unlocking Growth: A Guide to Securing Your Commercial Loan Successfully

Starting or expanding a New Zealand business often requires financial support, and understanding the various types of commercial loans available is essential for success. With the right funds and help from an experienced lending specialist, you can watch as your business grows and thrives.

In this comprehensive guide, we’ll delve into the world of financing to help you understand the different kinds of loans offered and how you can significantly better your chances of acquiring the funding you need.

The Many Different Types of Business Loans

Commercial loans are loans that are granted to businesses, rather than individuals – but did you know that there are different types of business loans? To maximise your chances of success, it’s vital that you choose the right type of loan for your business.

The types of business loans that you could consider are:

Working Capital Loan. This type of loan is a lump sum of money that helps to keep your cash flow moving. The amount of money can actually change within the month to bridge the gap between outgoing and incoming payments. We recommend keeping a loan of this type to no more than 5-10% of your turnover for optimal payment. Any more, and you could have trouble repaying it.

Asset Finance. This type of loan involves funds allocated for business assets, such as vehicles and equipment. This can help you acquire the right equipment and assets you need to grow your business and improve your profits.

Secured And Unsecured Business Loans. While all loans require a personal guarantee from the business or individual to the lender, these loans can be secured or unsecured. Secured loans involve the loan being secured against a property or business asset. However, with an unsecured loan, you are only offering a personal guarantee, and the loan is not secured against your property or assets.

Bridging Loans. These commercial loans assist with closing financial gaps in transactions, similar to home purchases. For example, you could use this type of loan to complete a transaction while another one concludes.

Term Loan. For this type of loan, you can borrow a sum of money upfront and then incrementally repay the loan over a set duration. This is a very versatile commercial loan option that can be tailored to different business needs.

Tips For A Successful Business Loan Application

It’s vital that you take the right steps to improve your chances of securing a commercial loan. Keep these tips in mind as you apply for your loan:

Understand Your Needs And Create A Plan. First and foremost, make sure you understand exactly why you’re applying for a loan. Think about what you’ll use the money for and how much money you’ll need. Consider how you’ll use the money to contribute to your business’s growth in the future.

This will help your lender know what they’re funding and will show that you’re a proactive business person who plans for success. Understanding your exact needs will also help you choose the right type of loan so that your funding aligns with your plans.

Assess Your Credit Profile. Before submitting an application, review your personal and business credit scores. Good credit will show your potential lenders that you’re a reliable business person, and they’ll be more likely to trust you with a loan.

Gather The Right Documents. Compile any essential financial statements, tax returns and other important documents that you’ll need to present a good picture of your company’s financial health. Having the right documents will show your potential lenders that you’re organised and responsible.

Get Professional Help From An Experienced Business Loan Broker. Even if you’ve been running your business for a while, understanding the intricacies of commercial loans can be a challenge. One mistake can result in a denied application.

So, the best thing you can do to ensure your success is to work with a business loan broker with plenty of training, experience and drive. 

A professional lending specialist will help you create a good plan, gather the right documents, address any issues that could prevent you from being granted a loan and help you find the right lender for your situation.

Growing Your New Zealand Business With The Right Commercial Loan

Securing a commercial loan doesn’t have to be an overwhelming challenge. With a clear understanding of your business needs, the right type of loan and careful preparation, you can navigate the financial world with ease and confidence.

Consider seeking guidance from professionals like us at Spinach, who specialise in unravelling the intricacies of business loans. Remember, a successful commercial loan application is not just about obtaining funds – it’s about unlocking the growth potential of your business.

If you’re ready to explore your business’s financing options, please don’t hesitate to message our Spinach team through our contact page or by calling us on 0800 774 622.

Get the right funding and move towards success with Spinach.

Building for the Future: How Business Asset Finance Can Help You Achieve Your Goals

In business financing, one term that often comes up is “business asset finance.” This financial solution is becoming increasingly popular among companies looking to acquire new assets without severely affecting their cash flow. But what exactly is business asset finance, and how can it help businesses achieve their short-term and long-term goals? 

This article aims to shed light on the subject, providing insights into how business asset finance can be a game-changer for many enterprises.

What is Business Asset Finance?

Business asset finance is a lending solution that enables companies to acquire essential assets like equipment, vehicles, or technology without the need for a large upfront payment. This financial approach allows businesses to spread the cost of the asset over a set period, thereby easing financial management and improving liquidity. The asset being acquired often serves as the collateral or security for the loan, adding an extra layer of financial security for the lender.

Types of Business Asset Finance

There are various asset finance solutions, each with its own set of business funding features and benefits. Some of the most common include:

  • Asset Finance: Businesses finance the asset in full, and take ownership of the asset right away, therefore getting the benefits of the GST refund on the purchase price, as well as the depreciation of the asset against their income.
  • Leasing: Businesses rent the asset for a fixed period, after which they can purchase, return, or continue leasing it.
  • Hire Purchase: Companies make an initial deposit and then pay off the remaining balance in instalments. Ownership is transferred once the final payment is made.
  • Asset Refinance: Existing assets are used as collateral to secure additional funds, which can then be used for any purpose.
  • Invoice Financing: Outstanding invoices are used to secure a line of credit, improving cash flow and enabling asset purchase.

Advantages of Business Asset Finance

Improved Cash Flow Management

One of the most significant advantages of asset finance is the improved cash flow management it offers. Instead of depleting cash reserves by making a large upfront payment, businesses can maintain liquidity by making smaller, manageable payments over time.

Flexibility

Asset finance solutions are incredibly flexible, catering to various business needs. Whether you’re looking to lease a piece of equipment for a few months or purchase it through hire purchase over several years, there’s likely a solution that fits your requirements.

Quick Approval and Funding

Compared to traditional loans, asset finance often has quicker approval times. This speed can be critical for businesses that need to act fast to take advantage of opportunities or address immediate needs.

Tax Benefits

Depending on the jurisdiction and the type of asset finance used, there may be tax benefits such as depreciation allowances, GST add backs, or deductible lease payments. Always consult with a tax professional to understand the implications for your business.

How to Use Asset Finance to Achieve Business Goals

Expanding Operations

If your goal is to expand your business, asset finance can be instrumental. Leasing or purchasing new machinery can increase production capacity, enabling you to meet growing demand without straining your finances.

Technological Upgrades

Staying competitive often requires keeping up with technological advancements. Asset finance allows you to acquire the latest technology without a substantial outlay of capital, ensuring you remain at the forefront of your industry.

Diversifying Product Lines

Entering new markets or diversifying product offerings usually involves investing in new assets. Asset finance solutions can provide the financial flexibility to explore these new avenues without jeopardising existing operations.

Improving Efficiency

Efficiency is crucial for profitability. New assets can often perform tasks more efficiently than older ones, reducing operational costs in the long run. Asset finance makes it easier to make these investments without disrupting cash flow.

Things to Consider

While asset finance offers numerous advantages, it’s crucial to approach it carefully. Always assess the total cost over the term of the agreement and compare it with other financing options. Understand the terms and conditions, including any fees or penalties for early termination or default.

Unlocking Your Business Potential: The Lasting Impact of Asset Finance on Achieving Goals

Business asset finance can be a powerful tool for companies looking to grow, innovate, and achieve their goals. By providing the financial flexibility to acquire crucial assets without a large upfront expenditure, asset finance allows businesses to remain agile and competitive. However, like any financial decision, it’s essential to weigh the pros and cons and consult with asset finance specialists to determine the best course of action for your unique situation.

Meet Spinach: Your Partner in Responsible Business Lending

If you’re interested in exploring business asset finance options tailored to your unique needs, Spinach is here to help. As New Zealand’s friendliest business lending broker, we are committed to helping small businesses grow and succeed. Our lending solutions range from secured and unsecured business loans to asset finance and working capital loans. We offer a simple and straightforward online application process, with quick approval often secured on the same day.

With a focus on responsible lending, we work closely with you to find a repayment plan that fits your budget and helps you achieve your business goals. Our experienced funding specialists are always available for a personalised consultation, ensuring you get the best interest rates and terms. With Spinach, you can be confident that you’re partnering with a lender who truly cares about your business’ success.

Maximising Your Business Potential: Choosing the Right Asset Finance Company

Asset financing can be a fantastic way for New Zealand businesses to grow their company and maximise their potential. However, determining the best asset finance company for your company can be extremely difficult with so many options.

After all, it’s vital that you’re careful and make the right decisions when dealing with your company’s funding. It’s hard to succeed if you don’t have the right equipment or enough money, so taking time to reflect on your decision is necessary.

What Is Asset Financing?

Asset financing is a type of business financing, similar to a business loan, that allows businesses to acquire assets without having to pay the full cost for them upfront. These assets can include equipment, machinery and vehicles. Businesses can borrow the money for the assets from an asset finance company and then repay the money over time.

This is a great option for businesses that don’t have the cash on hand to purchase important assets upfront. Acquiring these assets earlier than normal can allow you to enhance your operations much faster, thus resulting in more profits and more growth.

The key difference between asset financing and standard business loans is that regular business loans can be used for a variety of purposes. They can be used for purchasing assets, but they can also be used for purchasing inventory, expanding into a new market or hiring new employees. Asset financing, on the other hand, is strictly for buying assets.

Before you apply for any kind of financial help, whether you’re financing assets or applying for a loan, it’s important that you take time to think about what’s best for your company and if it’s the right choice for you.

How Can I Find The Best Asset Financing Company For Me?

Once you’ve decided that asset financing is the right choice, you’ll need to find the best asset finance company for your situation. You can narrow down your options and find the right choice by:

Understanding Your Needs. Take some time to understand your business needs and goals. What kind of assets do you need to finance? How much money do you need? What is your budget? What is your repayment schedule?

Once you have a good understanding of your needs and what you’re going to ask of the lender you select, you can start to compare your asset finance companies.

Comparing Rates And Terms. Once you have a shortlist of asset finance companies, you can then compare all of their rates and terms. Be sure to read the fine print and compare the total cost of the financing, including interest and fees.

Remember to read all the information given to you by each company, as fine details are very important when it comes to applying for asset financing. You must fully understand what you’re expected to do and what your lender will give you.

Asking About Customer Service. When you are comparing one asset finance company to another, be sure to ask about their customer service and how they respond to their clients’ needs. You want to choose a company that will be able to work with you to find the best financing solution for your specific New Zealand business. If you have any questions or concerns, they should be able to respond to you in a helpful way.

Getting Everything In Writing. Always get everything in writing before you sign any contracts. This will help to avoid any confusion or disagreements down the road. If you’re ever unsure about the deal you made, then you can go back and find the information you need.

Considering The Company’s Reputation. Financial matters are extremely important, so you should always check a company’s reputation before you deal with them. Make sure they’re a respectable and trustworthy company.

Getting Help From A Professional Asset Finance Specialist. Navigating the world of business loans and asset financing isn’t easy, especially if you’re new to it. One wrong move can land you in hot water.

Luckily, you don’t have to be alone in your decision. By working with a skilled business loan broker, you can receive the help and support you need to make the best decision possible. Just like choosing the right lender, you’ll need to choose the right finance specialist for your company. They’ll give you the advice and help you need to be successful with your application.

Professionals already have experience helping heaps of people just like you, and they’ll know the best ways to find the right asset finance company for your specific situation. They’ll help you take all the right steps and make all the right choices.

Where Can I Go To Learn More?

Choosing the right lender can be a very complex process, but it’s vital to take the time to do your research and seek help from the right people. If you’re searching for the best financial option for your New Zealand business, then we at Spinach want to help you.

Our expert business loan brokers help hopeful business people like you find the loans and financing they need to grow their unique companies. With our help, you can find the best possible solution for you.

Are you interested in learning more? You can read about us on our website, call us on 0800 SPINACH or reach us through our contact page.

Spinach can help you get the financing you need to truly bring out your business’s full potential.

From Equipment to Property: Exploring the Benefits of Asset Finance for Your Business

You’ll need a lot to succeed in the business world. You’ll need ambition, amazing ideas and – of course – money! Unfortunately, many businesspeople in New Zealand have heaps of ambition and countless new ideas but not much funding. What do you do if you’re one of them? The answer is actually pretty simple; consider asset finance loans.

Wait, what’s that? You’ve surely heard of loans before, but what makes this type of financing different from the others?

It’s crucial that you understand all of your options before you choose any kind of loan. One very important part of being successful is doing your research and staying informed, so keep reading to learn more.

What Is This Type Of Financing?

This type of financing allows businesses to acquire assets, such as equipment, vehicles or property, without having to pay for them upfront. The asset or assets you’re dealing with can be used as additional security for your loan. You’ll then pay your lender monthly payments until your loan is fully paid off.

Whether it’s physical equipment or a place to work, you’ll need quality assets so that you can continue to produce quality products. Asset financing is designed to help you acquire these crucial assets. They’re typically shorter-term loans than standard business loans.

If you are interested in this for your business, then there are a few things you need to do. Naturally, you need to find a lender that offers this type of financing.

It’s best to work with a professional to find the best lender for you rather than doing it alone. There are many lenders, and one may be better for you than the others.

So, we strongly recommend working with a business loan broker like the ones here at Spinach! It’s best to work with people with experience and connections to the best lenders in Aotearoa. Otherwise, you may end up choosing a lender who’s not quite right for you, and you may have to pay more than you need to.

Once you’ve worked with us to find a good lender for your asset finance loan, the process of getting you the financing you need can begin. We’ll work with you and the lender to find a deal that works for everyone.

How Can I Use A Loan To Make My Business Better And More Productive?

Basically, asset finance loans are there to give business owners what they need to grow and succeed. Well-structured loans can give your company the boost it needs to get out there and change the world.

So, what specific benefits are there?

  • Access To Capital: This can provide businesses with access to capital that they may or may not otherwise be able to obtain. This can be very helpful for businesses that are just starting or companies that need to finance a large purchase.
  • Improved Cash Flow: Asset finance can help businesses improve their cash flow by spreading out the cost of an asset over a longer period of time. This can free up cash that can be used for so many other purposes, such as marketing or hiring new staff.
  • Flexibility: This can be a flexible financing option that can be tailored to the needs of a business. You can work with your broker and your lender to choose the loan terms, the monthly payment amounts and so on. Working with an experienced loan broker can be a fantastic way to find the deal that works for you!
  • Increased Productivity. New equipment can help businesses operate much more effectively, which can lead to increased productivity. Just imagine how much a new vehicle or a new piece of equipment can change your daily operations! Specialised equipment can really help you streamline your business, regardless of what you’re doing or what you’re producing.
  • Improved Reputation. Overall, new assets provided by an asset finance loan can help businesses improve their reputation. You can work more efficiently, produce higher-quality products or provide higher-quality services and make your customers happier with your company. Your company can grow much faster when you have the right assets and equipment. This increased reputation can grow your customer base, improving your profits. Before you know it, your loan will be fully paid off and you will be thriving.

I’d Like Some Assistance, Where Can I Go For Help?

As you can see, this financing can be extremely helpful for business owners trying to succeed. Trying to save up money to purchase new assets on your own can take quite a long time, so financing can really give you a well-deserved boost.

But don’t do it alone! We at Spinach can help you find the best options for you. You can come and see our page on asset financing to learn more about this great opportunity.

Or you can also speak to us directly about your situation. Call us on 0800 774 622 or visit our contact page to learn how to reach us. Together, we can find the best option for you.

Spinach: helping businesses like yours grow and succeed!

The Right Business Finance Package For the Right Business

Running a business can make you money, but to run your business, you will need money first. If you don’t have the initial funds you need, a great commercial loan and the help of a professional business loan broker can truly get you the financial help you need.

Some people might think it’s best to start small and save money rather than go for a loan. However, doing so can take much time, and profits may not come in as quickly as you’d like.

With a loan, you can boost your business and see more profits much faster. This will expand your business, earning you more money and recognition, and you can pay off your loan in no time.

However, not every business is the same, and it’s very important that you get the right business finance package for your situation.

What Are Loans And What Kinds Of People They Can Help

Any business loan broker will tell you that the right loan can do wonders. It all depends on the type of loan you get and how you utilise it.

A business loan is where a lender lends you the money you can use for your company. You will be expected to pay the money back with interest. The amount you get and your interest rate will depend on the deal you strike.

As their name implies, business loans are primarily for business people. They can be used in many ways depending on how the person wants to improve their business.

Business loans are often utilised by:

  • People Who Are Starting New Businesses. Starting a company is never easy or simple. A good loan and help from a business loan broker can give you the finances you need to start your company.
  • People Who Are Growing Businesses. Once your business is started, you still need to do your best to grow it. More equipment, employees, space and more can help you expand your company.
  • People Who Need To Keep Their Businesses Running. Even if your company is already of a good size, you still need many things to keep it running smoothly. A loan can help you acquire inventory and other goods that’ll keep you in business.

Some people are put off by the thought that they’ll need to repay the loan with interest. While this may seem like a downside, the benefits that loans and a good business loan broker bring will strongly outweigh this.

You can seriously benefit from getting a loan because:

  • You’ll Save Time. If you try to save the money on your own, it will undoubtedly take much longer than if you decide to get a loan. Proper time utilisation is important. Instead of slowing down, speed up with a loan.
  • You’ll Have Better Assets. With the extra money, you can get better equipment, a better space, more employees and more. These higher-quality things and circumstances will definitely be appreciated.
  • You’ll Boost Your Profits. With all of this help, you will surely see your profits rise. Then, if you use your money smartly, you can grow your business further and pay off your loan in no time.

How Do I Know What Kind Of Loan To Get?

Working with a talented business loan broker is the best way to know what specific loan you should get. Their expertise and knowledge will allow them to look at your business, your goals and your available funding to get a loan that’s perfect for you.

Of course, you can do your part to make the process easier. Consider the following before you speak to a loan broker:

Know What You’ll Use Your Loan For. First and foremost, always know what you’ll use your loan for. Examine what you have and what you need to make a list of what you can use your loan for. There are plenty of helpful things you can do.

For example, a few things you can think about are:

  • Buying New Equipment.
  • Getting More Inventory.
  • Hiring New Staff.
  • Getting A New Commercial Space.

Create A Realistic Estimate. Compile everything you need and create a reasonable estimate of what it will all cost you.

Make A Plan. Always have a plan before you officially apply for a loan. Lenders appreciate it when the people they are lending to show that they’ll be smart with their loan.

Where To Learn More About How You Can Get A Great Loan For Your Business

Does it sound like you could benefit from a well-structured loan? At Spinach, we help business owners succeed by helping them get the best loans possible. We invite you to see our site to learn how you can start your journey today.

When you work with one of our business loan brokers, you’ll get a personalised experience. Rather than offering generic advice, we do our best to look at your circumstances to get a feel of what you need. This way, you’ll get results that are tailored to your needs.

Please call us at 0800 774 622 or visit our contact page if you’d like to speak to our team.

Enhance your business like never before with help from Spinach.

Asset Finance And How Does It Work?

What is Asset Finance And How Does It Work?

Wondering what asset financing is and how you can use it to help your business grow? Asset financing is a form of lending that allows you to buy, replace, or refinance assets while using them as security for the loan itself. Asset financing is thus a great way to free up capital flexibly and take advantage of new opportunities.

What is Asset Finance Used For?

Asset financing allows your business to gather immediate capital. There’s a range of things you can use this cash for – investing in equipment, paying your employees, or taking advantage of short-term growth opportunities. It’s most commonly used to purchase new assets, which can include inventory, machinery, vehicles, and even buildings!

What are the benefits of Asset Finance?

There are many benefits associated with choosing asset financing over traditional loans. Because the cost of purchasing an asset gets spread out over a more extended period, asset financing allows you to expand your business while protecting your cash flow. It’s also a great way to pay off investments in new assets while they benefit your business. Asset financing models are more flexible than traditional bank loans. Depending on your loan provider, you can tailor your interest rates to meet your business and borrowing needs. They also allow you to get cash loans much faster than with conventional financing arrangements. This makes them great if you need short-term cash. Asset financing is particularly beneficial for small companies, startups, and other businesses that lack the track record or credit rating necessary to qualify for alternative funding sources. With fixed payments, budgeting and cash flow become easy to manage. And if you fail to pay, you lose only your assets, not your business.

Asset Finance Models

There are several major types of asset financing:

Financial Lease

With a financial lease, ownership of the asset and the asset itself are transferred to the business for a certain amount of rent.

Hire Purchase

In a hire purchase model, a finance company purchases the asset on behalf of another company. The finance company owns the asset until the last payment is made, at which point it’s sold to the company using it.

Operating Lease

Like a financial lease, an operating lease also involves renting the asset. However, this is a shorter-term method, and the asset is ultimately returned to the company that originally owned it.

Equipment Lease

This also involves renting an asset. However, with an equipment lease, the ownership of the asset is never transferred. The agreement can also be cancelled at any time.

Asset Refinance

Asset refinancing involves using assets you already own to get a loan. The value of your asset will determine the amount you can borrow.

Can Asset Finance Help My Business?

Asset financing is fantastic if you need flexible, short-term funds. They’re very beneficial for start-ups and other small or new companies, especially since they aren’t based on a third-party evaluation of your business output. In any case, make sure you do your research before deciding on the best finance model for your business. If you’re looking for a leading provider of business loans in New Zealand, the friendly team at Spinach is here for you. Get in touch with us at 0800 774 622 to see how we can help your business grow today.