Category: Growth Strategies

From Dream to Reality: Funding Your Business with a Tailored Commercial Loan

Posted on by TWG

A good commercial loan can be the key to expanding your business. Extra funding encourages growth and empowers you to stay ahead of your competition. But, to make the most of your loan, you need to use it wisely.

How To Plan For Your Business Loan

Using your money well involves careful planning and plenty of hard work. Before you even secure your funding, remember these crucial points:

  • Make A Plan. The first thing you should do is formulate a plan. What will you use the money for? What lending specialist will you work with? Think through every point of your timeline, from connecting with a lending specialist to paying off your loan.
  • Understand How Much Money You Need. Once you know what you need your money for, you’ll have an easier time determining the amount you will ask for.
  • Stay On Top Of Payments. Keeping up with your loan repayments is extremely important. Be sure to manage your finances so you can make your payments on time.

What You Can Do With Your Commercial Loan

What can you do with your business loan? The best course of action for you will be based on your particular business and your current goals. Here are a handful of ways you can enhance your unique New Zealand business with a business loan:

Launch New Marketing Campaigns. Even if you have incredible goods and services, you could struggle if you aren’t marketing your company well. Extra funding can help you launch new marketing campaigns, expanding your business’s voice and reaching new customers.

Use clever marketing strategies to put your services in front of new potential customers. Online ads, social media campaigns, posters and more can all advertise your unique company. Consider using a mix of digital and physical ads.

Invest In New Equipment Or Technology. What kind of tools or software do you use for your daily operations? Chances are, you can upgrade your equipment or technology to boost production. New equipment can make it easier to efficiently produce your goods, and advanced software helps you stay on top of your digital tools.

Think about how you can use your commercial loan to invest in new tools to improve your production and efficiency. When you improve your operations, you can boost your profitability and pay off your loan in no time.

Manage Cash Flow And Working Capital. Funding from a loan can cover payroll during seasonal slowdowns, keeping your hardworking team paid even when profits are lower.

You could also use your money to keep up with supplier payments and restock your inventory. Keeping your supplies stocked keeps your operations running smoothly so you can stay afloat.

Hiring And Training New Staff Members. Could you use some extra help? Extra funding gives you the money you need to hire and train new people, boosting your team by bringing in new skilled members.

Take a moment to think about your current operations and where you could use more work. What kind of employees do you want to hire, how much would you need to pay them and how would you train them?

Securing A New Location. You need a good location to create your products or carry out your services. Property can be expensive to rent or buy, so consider using your commercial loan to acquire a new location for your company. Consider whether you should purchase or rent a property, as both have their advantages and disadvantages. Buying property gives you full control and ownership over a space, but it’s more expensive. Renting is good for temporary use and is more affordable, but you will have less control and you will need to keep up with payments.

Remember to stay diligent when choosing your new commercial space. Look around for good spots, compare prices and consult with your lending specialist about your chances of securing a loan for your property payments.

Developing Your Goods And Services. What kind of goods and services do you offer your customers? Thinking about what your company does and how you could improve.

If you create goods, then you could improve product quality by using higher-quality materials or redesigning them to enhance their features. If you offer services, then you could purchase tools to help you complete those services better. For example, a baker could purchase higher-quality ingredients, and a gardener could buy better gardening tools.

Aside from improving existing practices, you could also launch new products or offer new services. What else could your company offer? Reflect on services that are adjacent to what you offer now.

Securing A Commercial Loan With Spinach

Getting a business loan can seem complicated, but it doesn’t have to be – work with our lending specialists at Spinach to improve your chances. There are so many kinds of NZ businesses out there, and we’d love to hear about your plans.

Ready to get started? We welcome you to call us on 0800 SPINACH or reach out to us online.

Spinach: Let’s discover how you can grow your business with a loan.

Smart Investments: How Asset Finance Can Drive Growth and Productivity

Posted on by TWG

Running your own business is an excellent way to make money and pursue your passions. Unfortunately, it takes more than dreams and enthusiasm to keep your operations running. You need a good team, equipment and many other resources to keep the lights on and your cash flowing. Asset finance could be the key to growing your company and staying productive.

What Is Asset Finance?

This type of funding allows you to purchase, replace or refinance an asset by using the specified asset as collateral. This is a great opportunity to secure new equipment and grow your business.

Like any other kind of business loan, you should work with a professional lending specialist to get a great deal. Find asset finance specialists who have experience working with businesses like yours and who can offer your personalised services.

How Does Asset Finance Facilitate Growth And Productivity?

How exactly can this form of lending help you grow your business and boost your productivity?

  • Preserving Cash Flow. As all responsible business owners know, cash flow is the lifeblood of any business. Taking money from your budget and your profits to purchase or repair an asset can disrupt your operations and, therefore, harm your cash flow. Instead of putting your business at risk, you can invest in equipment while keeping your working capital available.
  • Fast Access To High-Quality Equipment. If you save up money on your own, you may have to wait a while until you can purchase good equipment. This wait time could cause you to fall behind other competitors in your field. With asset finance, you can get excellent equipment right away and stay on top. Companies using modern assets can outperform businesses that use old, outdated equipment. Good assets boost your business, enhance the quality of your products and improve your profits. Then, you can pay back what you owe in no time.
  • Increased Efficiency. Upgraded machinery and tools are often much faster than outdated equipment, and they can produce higher-quality goods with fewer errors. These upgrades can streamline operations and reduce downtime, making your team much more efficient. When you get your equipment, make sure you thoroughly read through the manufacturer’s instructions so you know how you should use it. Only use your equipment as intended. Additionally, keep your equipment well-maintained to reduce the chances of malfunctions and damage, therefore reducing downtime.
  • Better Safety. Modern equipment and tools typically have better safety features than older pieces. Plus, new equipment is less likely to experience age-related malfunctions. Your team members can keep up their productivity while staying safe. Of course, make sure your hardworking staff members wear the right safety gear and use the equipment correctly to further avoid accidents.
  • Faster Project Completion. Better assets boost productivity, reduce downtime and enhance efficiency, so your projects will be completed much faster. Your team can meet your deadlines while producing high-quality results, working faster without sacrificing any quality. When you complete projects quickly you can move on to the next venture faster, overall improving your output and pleasing your customers.
  • Boosted Reputation. Your customers will surely notice when you fulfil orders faster and produce better-quality products. Your growth and productivity can enhance your brand’s reputation, improving customer retention and drawing more positive attention to your New Zealand company.
  • Innovative Upgrades. Having access to the latest equipment gives you the opportunity to innovate and set yourself above the rest. Investing in top-notch equipment now lets you stay ahead of trends, meeting evolving customer demands without hassle. Newer equipment can allow you to expand into new markets or services, providing you with the necessary tools without having to pull money from your budget. Think about ways you could offer additional services to your customers and how new equipment could facilitate that. Adding to your goods and services can attract even more customers, giving your clients a comprehensive way to fulfil their needs.

Making Smart Investments With Asset Finance

How could you improve your New Zealand business with new equipment? If asset finance sounds like a good option for you, we welcome you to contact us at Spinach. Our lending specialists have plenty of experience with asset finance, and we’re sure we can find a deal that suits your unique company perfectly.

Or, if you’re still exploring your lending options, we can also explore various other opportunities. We can assist you with small business loans, working capital loans, business invoice finance and much more. It can be difficult to understand the best option for you, so we will guide you through each of your opportunities so you can make an informed decision.

Ready to start? Call us on 0800 SPINACH or message us online.

Drive growth and boost productivity with asset finance.

Strategies for Success: Navigating the Landscape of Commercial Loans

Posted on by [email protected]

The right commercial loan can do wonders for any NZ business. For small and medium-sized businesses, it can be the key to jumpstarting your company and growing your revenue and brand fast – allowing you to repay your loan in no time. As every business person knows, proper funding is a must if you want to keep your business afloat, but it’s not always easy to get the money you need when you need it.

A loan can provide you with the capital you need to make game-changing decisions for your NZ business. However, you should never apply for a loan without thoroughly considering your options and preparing yourself.

Navigating The World Of Commercial Loans In NZ

Financial matters are serious for both the business person applying for the loan and the lender, so it’s extremely important that you do your research and talk things through with your trusted lending specialist before you submit any applications or choose a lender.

Where do you start? Here are a few tips that every NZ business person should think about:

Work With A Qualified Loan Broker. Undoubtedly, the best thing you can do when applying for a commercial loan is to discuss your needs and your circumstances with a qualified lending specialist. Although you may understand your needs and situation better than anyone else, they’ll have the skills, experience and industry knowledge needed to provide you with top-tier advice that fits your unique needs.

In particular, you’ll want to work with a specialist who has experience with the kind of loan you’re interested in and is familiar with your industry. Make sure they’ve helped with business loans before, and ask if they’ve helped people who manage businesses similar to yours. If they have, they’ll understand your situation better, and then you can discuss the specific obstacles, goals and considerations for your company.

Understanding the world of NZ business loans on your own can be time-consuming and confusing. Instead, skip that frustration and consider working with a business loan broker who genuinely cares about each individual they help. Be sure to research your lending specialists before you work with them, and ask any questions that are important to you.

Understand Your Business’s Specific Needs. Even compared to your competitors and other businesses similar to yours, your company still has unique needs, challenges and goals. Always take time to analyse your business’s strengths, weaknesses and other important factors so that you understand how you can improve. This will allow you to determine the best way to use your loan to enhance your business and your profits, letting you make the most of the money you receive.

Consider options such as equipment you can purchase, staff you can hire and so on, and think about the amount of money you’ll need to accomplish those helpful goals. Having a strong plan will show your lending specialist and your lenders that you’re taking things seriously and will instil more confidence.

Research Lending Options. Once you have a clear understanding of your business needs, it’s time to research the lending options available to you. In New Zealand, various financial institutions, including banks, credit unions and alternative lenders, offer commercial loans. Discuss each option with your lending specialist, comparing the pros and cons of each according to your needs.

Prepare A Compelling Loan Proposal. Before you approach any lender, prepare a thorough, compelling proposal. Work closely with your thoughtful lending specialist to develop a comprehensive proposal that outlines your business history, financial performance, repayment plan and other important details.

Your business loan broker will help you ensure everything is in order, understandable and accurate, and they’ll inform you of the important documents you need to gather before you approach your chosen lenders.

Review Loan Terms Carefully. Always read through your loan terms before you agree to anything. Carefully review the loan terms and conditions with your lending specialist, and ask any questions or address any concerns you have. While it may be tempting to say yes to a deal that seems almost right to secure the money, your broker may be able to negotiate better terms that you’re more comfortable with.

Monitor Your Business Performance. After you secure your commercial loan, your work doesn’t end there – Carefully monitor your business performance and ensure that the funds you receive are used effectively according to your plan. Stay on track, stick to your particular outline and make changes to improve if you need to.

Apply For A Business Loan That Works For You

Business loans can be intimidating, but at Spinach, we want to help you streamline the process to find success. Our team of experienced lending specialists takes great care to understand each and every one of our client’s needs so that we can find solutions that are just right.

To learn more about NZ business loans, please visit our website for details or call us on 0800 SPINACH. Or, you can use our contact page to reach us.

Spinach: Grow your business and march towards success with our assistance.

Fueling Ambition: The Comprehensive Guide to Different Types of Business Loans

Posted on by [email protected]

You’ll need heaps of different traits and resources if you want to succeed in the business world. Passion, solid goals and a strong work ethic can all help you grow your company, but there’s one thing that everyone needs to really get their dream started: funds. One way you can secure the funds you need early on is through business loans.

Whenever you’re doing anything with money, it’s vital that you know exactly what you’re getting into. With a multitude of loan options available, understanding the types of loans is crucial for making informed decisions that meet your needs and align with your goals.

No worries; our friendly team of lending specialists here at Spinach are here to help. We know that every business is different, and we specialise in helping owners find the best choices for their specific circumstances.

Understanding The Different Types Of Business Loans Available

Not all financial situations or business goals are the same, so it’s vital that you find a loan with terms that are ideal for your circumstances. Plenty of different types of loans are available, and if you choose the wrong kind, you might not get your desired results.

Before you apply for any loan, it’s important to take the right steps to understand your opportunities. For instance, you could use our easy-to-use business loan calculator to get an idea of what your loan could be like.

Here are a few of the kinds of loans we deal with at Spinach, and what you should know about them:

Working Capital Loans. A working capital loan serves as a lifeline for businesses by providing a lump sum of funds to maintain day-to-day operations and manage cash flow fluctuations. These loans are designed to bridge the gap between outgoing and incoming payments, ensuring that businesses can cover expenses such as payroll, inventory and overhead costs. If you’re unable to cover these costs, you may not be able to continue your operations, so this loan can really help you keep things running smoothly.

Working capital business loans may take the form of a line of credit or an overdraft facility, offering flexibility and convenience in accessing funds as needed. It’s important to borrow no more than 5 or 10% of your turnover to avoid excessive debt and ensure affordability. If you borrow more than that amount, you may have trouble repaying it, and it will be much more expensive. While it may be tempting to borrow more now so you have more money to work with, doing so can cause you trouble down the track.

Asset Finance. Asset finance is a type of loan that’s meant to help companies get the business assets they need to continue, change or grow their operations. These business assets can refer to company vehicles, equipment, machinery and more. Whether you’re interested in upgrading the assets you already own or you want to expand your fleet of vehicles, asset finance could be the right solution for you.

These loans are secured against the assets you buy, so you should be able to get good loan terms and rates when you choose this type of business loan.

Secured And Unsecured Business Loans. Naturally, all loans require a personal guarantee from the person getting the loan that they’ll pay it back. However, these loans can be either secured or unsecured, and it’s important to understand the difference between these two before you apply for any loan:

  • Secured Loans. These loans are secured against your property or business assets, such as your vehicles or equipment. This allows lenders to offer longer terms, lower interest rates and larger loan amounts, because these loans are less risky to the lenders themselves.
  • Unsecured Loans. Conversely, unsecured loans aren’t secured against any property or business assets. Instead, these loans come with only a personal guarantee from the one borrowing the money. These loans are riskier for the lender, so they may offer shorter terms and higher interest rates.

Bridging Loans. As its name implies, these business loans are meant to ‘bridge the gap’ in your finances. These serve as temporary financing solutions to help you complete purchases or transactions. It’s common for people to use these loans when purchasing or upgrading a new asset while waiting for another one to sell or be repaired.

Term Loans. Unlike working capital loans, where you get a lump sum of money and can repay it when needed, term loans give you a lump sum of money but you have to repay it incrementally over the loan’s term, like how you would with a home mortgage or a car loan.

Getting The Right Funding For Your New Zealand Business

Business loans are a fantastic opportunity for any kind of business, regardless of whether you’re starting your first business venture or you’re growing your existing company. Of course, every smart business person knows you should think through any big business moves, which is why we at Spinach are here to help.

Do you need a small business loan to boost your business? Then come and see how our lending specialists can help you. To get started, you can call us on 0800 774 622.

Give your business a healthy financial boost with Spinach!

Unlocking Growth: A Guide to Securing Your Commercial Loan Successfully

Posted on by [email protected]

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.

Small Business, Big Dreams: Finding the Right Loans for Your New Zealand Enterprise

Posted on by [email protected]

Starting a small business is a big undertaking, but it can be incredibly rewarding. Unfortunately, you’ll need more than big dreams and enthusiasm if you want to improve your chances of success – that’s where small business loans can help your NZ enterprise thrive.

Making your dreams work without funding is difficult, especially in today’s fast-paced business world. You’ll need some money to work with to grow your company.

A small business loan is the perfect way for businesses to get some money to work with. They can then use that money to purchase more inventory, hire more staff or do whatever else they need to grow their passion project.

Getting a loan sounds like a fantastic stepping stone towards success. But, as with any financial undertaking, there are a few things you should think about before you apply for any small business loans in NZ.

Getting The Best Loan For Your NZ Company

When it comes to business, you should never jump first and think later. Poor financial decisions can seriously land you in hot water! Always think your business decisions through before you do anything drastic, like sign up for a loan that might not be quite right for you.

How do you know what loan is right for you?

Before you call anyone, whether they’re a potential lender or a helpful lending broker, it’s extremely important to get all of your things in order.

Always stay organised. Make sure you know where any important business documents are, such as income statements, and consider gathering them if you think you’ll need them.

Furthermore, prepare yourself mentally as well. Make a plan about what you’ll do with your loan, how you plan on making the money back and so on. You’ll be more likely to succeed in getting small business loans in NZ if you can show that you’re an organised business person who’s serious about what they’re doing.

Using this convenient online business loan calculator is an easy way to get an idea of how much your loan will cost.

Next, you need to think about the type of loan you need. A good way to determine what kind of loan you need is to identify your business needs. There are several types of business loans available, so it’s vital that you choose the most suitable one for your specific situation.

A few, but not all, of your small business loan options are:

  • Asset Finance. This type of loan is secured against your assets, such as equipment or inventory. If you default on the business loan, your lender can seize your selected assets to recoup their losses. Asset finance can be a good option for businesses that need to finance the purchase of assets, but it’s important to ensure you can afford the monthly payments.
  • Unsecured Business Loans. These loans aren’t secured against any assets. This means that the lender is only relying on your business’s creditworthiness to repay the loan rather than on collateral. These loans are generally more difficult to get than asset-backed loans, but they’re a great option if you have a good credit score.
  • Working Capital Loans. These NZ small business loans are used to finance the day-to-day operations of a business rather than funding the purchase of large new equipment or machinery. Daily operation assistance can include paying for inventory, payroll or marketing expenses. These tend to be short-term loans, with repayment terms of generally one to three years.
  • Plant And Machinery Loans. This kind of loan is used to finance the purchase of equipment or machinery. A loan of this type is often secured against the equipment that’s being purchased. This is a fantastic option for business people who are seeking loans to expand their operations with new equipment or to upgrade their existing equipment.

Once you know what type of loan you need, then you’ll need to find the best lender for you. This task is exceptionally daunting for small business owners with little to no experience with NZ small business loans. So, to make sure you get the best results possible, we highly recommend working with a professional loan broker who will offer you personalised assistance.

Would You Like Some Expert Assistance? We’re Here To Help!

Thinking about everything that goes into applying for a small business loan can be very confusing and frustrating, regardless of why you need the loan or how much money you need. Making the wrong choices can result in you paying more in interest than you really need to.

How exactly can you make all the right choices? That’s easy; just call our team of friendly loan brokers at Spinach.

We have plenty of experience with NZ small business loans, and we’re passionate about helping people just like you get the funding they need to thrive. Every unique business makes Aotearoa better, and we want you to succeed!

Would you like our help? Call us on 0800 SPINACH, or reach out to us through our contact page.

To get the funding you need, call us at Spinach!

Navigating the World of Business Loans in New Zealand: What You Need to Know

Posted on by [email protected]

Thousands of New Zealand businesses are trying to make it work; what sets yours apart? You need passion, effort and funds to succeed in the business world. Unfortunately, many people lack the necessary funds, and generating revenue is difficult when you don’t have money to grow your business. If you’re a business person who can relate to this, you can consider looking into business loans in NZ.

Some people get anxious about loans because they know they’ll have to repay them. Of course, you will eventually need to repay your loan, but you can significantly boost your profits with the money you use. You’ll be paying your loan back in no time!

But you shouldn’t just walk into a bank and ask for a loan without the right plan, documents and help.

How Do You Know If Your New Zealand Business Needs A Loan?

Before you start researching business loans in NZ, there’s one very important question you need to ask yourself:

Why do you need a business loan?

Before doing anything, always fully understand why you’re doing it. What do you think you’re going to do with the money? You can reflect on your options by thinking about why your business needs help.

A few common reasons why people apply for business loans are:

  • Unsatisfying Profits. A big goal that most business owners have is to make money. If your cash flow is less than optimal, you will want to do absolutely everything you can to improve it. A loan can help you purchase more inventory or pay for other business-related expenses to boost your company.
  • Equipment Needs. The majority of businesses require some form of equipment to function. Chefs need kitchen equipment, mechanics need tools and so on. What equipment do you use? A loan can help you purchase the tools you need or maintain your current equipment.
  • Insufficient Staff. Another pair of helping hands can go quite a long way. You can use the extra funds to hire and train new staff.
  • Marketing Campaigns. NZ business loans can also be used to launch amazing marketing campaigns that get your brand out there. After all, you could have the most outstanding products in the world, but no one’s going to buy them if no one knows you exist.

What To Do If You Need A Business Loan In New Zealand

Have you identified why you need a business loan? Good! You’ve completed the very first step to acquiring and successfully using your loan. Next, you should:

Consider Your Eligibility. Not every lender looks at the same requirements when determining whom to lend to, so the lender you choose may look at certain qualities but not others. However, most lenders look at basic details like credit score and business experience.

It’s wise to review these qualities before you speak to any lenders so you’re prepared:

  • Credit Score. Your credit score is a useful indicator of how reliable you are with money. So, this is often one of the very first things a lender will look at.
  • Business Experience. Some lenders will only lend to companies that have been operating for a minimum amount of time.
  • Potential Collateral. Some lenders will require you to put something up for collateral that they can seize if you fail to repay your loan.

Examine Your Wants And Come Up With A Number. You’ve thought about why you need a loan, but have you reflected on how much those needs will cost? Think about everything you plan on using your loan for and come up with a realistic number.

You can use our helpful loan calculator to gain insight into how much your loan might cost.

Contact A Fantastic New Zealand Loan Broker. Get in touch with an experienced loan broker to discuss business loans in NZ. If you are thinking about applying, we welcome you to speak to us at Spinach! We’re proud to offer people like you personalised advice.

Once we’re speaking, we can discuss your needs and what you want from a business loan. We’ll do our best to identify a lender that’s right for you.

Submit An Application. After those steps are done and we’ve found the right path for you, it’s time to submit an application!

Make Your First Step Towards An Amazing Business Loan Right Now

Applying for business loans in NZ is a rewarding process, but it can also be rather challenging if you’re not sure what to do. Don’t worry; we’re here to help! Our friendly and professional Spinach loan brokers are happy to assist you.

We don’t just offer generic advice that you could get anywhere, either. We look at your circumstances, analyse your details and speak to you to help you in a way that’s perfectly suited to your business and your wishes.

Please don’t hesitate to call us at 0800 774 622 or visit our website to reach us.

Work with Spinach to create a brighter future for your business!