Why You Should Shop Around Before Choosing a Business Loan Lender

There is a fine line between surviving and thriving as a business, and for many Kiwis pushing their ventures through the growth stage, that line is funding. This can make securing funding feel like something you need to do as quickly as possible, prompting many eager Kiwi business owners to sign on the dotted line for a loan that doesn’t meet their needs.

Shopping around for the right business loan lender is vital. In essence, knowing how to compare business loans NZ-wide is an art form best left to the experts. Today’s article will help you understand this process. Read on to learn why you should shop around before choosing a business loan lender and how to compare business loans and their lenders.

The Benefits of Comparing Business Loan Lenders

Knowing how to compare business loans in NZ means understanding that no two lenders are quite the same. Each lender has a unique way of doing business, and that means you’ll see wildly different interest rates, repayment structures, flexibility, approval times, and customer service. They run the gamut, and going in without a basis for comparison can create ongoing trouble for your business’s finances.

So, what do you stand to gain by shopping around?

  • Better interest rates.

The most obvious benefit of comparison is getting a lower interest rate. Even a 1–2% difference can save your business thousands over the life of the loan.

  • Tailored repayment terms.

Some lenders offer fixed repayments, while others might give you flexibility based on your cash flow. Whether you’re a seasonal operator or experiencing rapid growth, finding a loan that matches your financial rhythm makes a huge difference.

  • Reduced fees.

Application fees, early repayment penalties, and account maintenance charges can all vary heavily from lender to lender. While this isn’t always easy to find on the surface level, delving into specific policy wording can help you pick things out.

  • Faster access to funds.

When your business needs capital, time is often of the essence. Some lenders may take weeks, while others can approve and disburse funds in just a few days. Matching your lender to your timeline ensures you’re not left waiting when opportunity knocks.

  • Specialist lender expertise.

Certain lenders specialise in specific industries or business sizes. By shopping around, you might find a provider who understands your industry, offering terms and advice tailored to your situation.

So the real question is, how do you do it? How do you spot a lender that not only gives you timely access to your funds, can tailor the repayment terms to suit your business and comes with specialised expertise to help guide you on lending in your specific industry?

This is where knowing how to compare business loans in NZ comes in.

How to Compare Lenders & Business Loans NZ-Wide 

  • Know what your business needs.

Before you start comparing business loans offered by NZ lenders, take the time to conduct an honest inventory of your priorities. This will become your guide.

Get clear on what you need the loan for. Are you expanding your team? Purchasing equipment? Investing in a marketing campaign? The purpose of the loan will help determine what kind of product suits you best (term loan, line of credit, invoice financing, etc.).

  • Assess your business’s financial health.

Lenders will look at your revenue, time in business, credit score, and overall risk. Understanding where you stand will help you narrow down lenders likely to approve you and offer favourable terms.

  • Compare interest rates and total repayment costs.

Don’t just focus on the interest rate. Look at the annual percentage rate (APR), total cost over the life of the loan, and whether early repayment is allowed and if it incurs a penalty. Using a business loan calculator can help you dig beneath the surface and understand repayment costs for certain loans.

  • Read the fine print.

Some loans may appear attractive on the surface but come with hidden terms and conditions. Are there account-keeping fees? Late payment penalties? Balloon payments at the end? Always review the full terms before committing. The best lenders will make an effort to be as clear as possible about these terms, so look out for those.

  • Use a business loan broker.

Finally, we strongly recommend you work with a broker. Brokers work the numbers to make sure your loan is suited to your business and that it won’t add unnecessary financial stress to your entire operation. 

This is our area of expertise, and we go to work for you to find the best loan terms. We compare business loans NZ-wide to find the best option so that you can then work with a narrow field to make the choice that is right for you.

It takes a combination of factors to compare business loans in NZ. Time, commitment, and a surefire knowledge of exactly what your business needs. But with expert assistance, you can not only find the loan that’s going to help you now, but also the loan that will help future-proof your business..

Commit to growing your way, take the time to do your research, and partner with brokers you trust. That’s the recipe for success.

Learn how Spinach helps businesses like yours grow.

Are you busy comparing your options for business loans? Spinach is a team of New Zealand’s friendliest business loan brokers on a mission to help businesses just like yours grow their way. We’re here to answer your questions as quickly and easily as possible so that you can make the right call for your business.

Get in touch with our finance team to compare business loans NZ-wide today!

What is Asset Finance and How it Works for NZ Businesses

If you run a small business, then you already know it presents a range of challenges. Growth is the most important thing for a small business owner because it gives you a foothold, letting you access bigger customers, better stability, and increased revenue. But this game can feel a lot like a catch-22, because it often takes money to make money, especially if you need specific equipment to get off the ground.

Enter: asset finance. A way for Kiwi business owners to access specific equipment for immediate use while paying it off, just like a normal business loan. If you are looking for a way to grow without putting up all of your reserved capital for a single piece of equipment, tapping one of the many policies for asset finance NZ has to offer might be for you.

But what is it? And is asset finance right for you? This blog post will help you to answer those questions, so read on for a breakdown from your resident business finance experts.

What is Asset Finance?

Asset finance is a particular kind of secured loan, where the piece of equipment that you buy or replace acts as the security for the loan itself. The type of asset finance that New Zealand businesses access allows them to add a vital piece of equipment to their inventory without incurring a significant amount of immediate capital, then pay for the purchase over time.

How does asset finance work?

Unlike some other business loans, you don’t get cash-in-hand or a direct deposit into your business’s bank account. Instead, what usually happens is that you will apply for a loan of a certain amount to purchase a specific piece of equipment (or a vehicle). Once that is approved, you’ll buy that piece of equipment, and the funds will be transmitted directly to the seller, and the loan repayment period will begin.

Is asset finance right for you?

The terms of each policy for asset finance NZ businesses’ access will be unique, just like each business loan, so you should expect your policy to be tailored to the needs of your business.

That said, some solid benefits across the board make asset finance a great choice for Kiwi businesses that rely on certain types of equipment to stay operational:

  1. The asset itself will provide the loan security, which means, in most cases, the loan won’t affect your ability to secure credit through other means.
  2. If you need to upgrade your equipment quite often, you might be able to secure an asset rental policy where your broker or lender purchases the asset and rents it to you for a designated period.
  3. Every policy for asset finance NZ-wide should be tailored to match the life of the piece of equipment you’re buying, and payments can be carefully scheduled to meet your abilities as a business.
  4. Tapping a specific piece of equipment can open up a lot of extra financial opportunities for you, making it easier to pay back the loan and grow your business.

If you run a business and need to upgrade your machinery, equipment, or even your facility, asset finance might be the right call for you.

Accessing Asset Finance NZ-Wide: What to Know

Asset finance is pretty unique because it doesn’t require you to put up capital or any additional security from your existing business assets. You just need to be comfortable with putting up the asset you’re acquiring as the loan’s security while you pay down the loan.

Because of this structure, there are one or two things to know before you sign on the dotted line:

  • You’ll need to do your research before applying, as the application process requires a fairly accurate estimate of how expensive the piece of equipment you’re hoping to buy is.
  • Keeping up with the loan is important because falling too far behind on repayments may result in the asset being reclaimed as a way to pay down the remainder of the loan. To avoid this, it’s important to estimate your business’s ability to create income with the new piece of equipment as accurately as possible. Qualified brokers can help with this.
  • The value of most assets tends to depreciate over time, so keep that in mind for long-term financial evaluations of your business!
  • If you’re after long-term funding, a standard business loan might be a better solution for you. Asset finance policies tend to suit one-off purchases with specific repayment terms.

If there is one thing to take away from this article, it’s this: every single business is unique. What your business needs to grow and get stable might be different to other businesses in other industries, or even your direct competitors.

The best way to be sure if asset finance in NZ is the right thing for you is to reach out to an experienced financial expert who can help assess your needs, review your options, and collaborate on finding the right direction.

Growing a business? Get help from Spinach.

We’re New Zealand’s friendliest business loan brokers, offering a quick and easy way for you to access the capital your business needs to grow. If you’re looking for asset finance in New Zealand, simply complete your online application, and we’ll be in touch (often within the same day). How good is that?

If you have any questions, don’t hesitate to get in touch with our friendly team. We’re here to help you grow your way.

Growth on a Small Scale: Strategies for Success with Small Business Loans

If you run a small business, then you are looking for ways to grow your company, improve your profits and expand your client base. Small business loans help NZ businesses reach their short and long-term goals by providing them with the funding they need.

However, it’s not enough to acquire the loan itself – you need to use it wisely. How can you use the money to grow your business and your profits to pay back your loan and improve your company in the long run?

Exploring Strategies For Small Business Loans

There are so many ways you can boost your business with extra funding. So, before you apply for a loan, you must formulate a plan for what you will do with your money. Understanding your business plan will make you appear more serious to lenders and will help you know how much money you need to ask for.

What can you do with NZ small business loans?

Boost Your Marketing Efforts. Even if you have incredible products or services, you will have trouble selling them if no one knows about your business. Marketing allows you to reach out to countless potential customers, getting your branding out there and telling people about your unique services.

Explore different marketing methods you could use for your business:

  • Print Marketing. Traditional marketing involves putting ads in print media, like magazines, newspapers or physical posters.
  • Online Marketing. Online marketing is a must for modern businesses because so many people are online nowadays. Invest in ads for websites, videos and more to get your name out there. Additionally, make sure you set up a website for your business and create a Google Business Profile so that potential customers can learn more about you online. Digital marketing and SEO (Search Engine Optimisation) efforts can draw more eyes to your company.
  • Social Media. So many of us use social media every day, which makes social media platforms very powerful tools for modern businesses. Set up social media profiles on different platforms so you can post about your products, services, events, deals and more.
  • Creative Campaigns. Feel free to get creative with how you show off your goods. For example, you could host a contest, and the winner could win a prize from your product line. This will bring attention to your business and give customers a chance to interact with your brand.

Upgrade Your Commercial Space. If you have a physical storefront where your team works and your customers come to visit, consider using your NZ small business loan to improve it. Even small upgrades can have a major impact on your hardworking team and your valued customers.

You could put effort into improving functionality:

  • Renovate your space to improve the layout or functionality of your workspace, improving workflow.
  • Invest in better furnishings to create a better working environment, encouraging your team to stay productive.

You can also improve customer experience so that your customers will want to visit you again:

  • Redecorate to create an inviting, modern environment that your customers will enjoy being in.
  • Create areas to sit or relax so your customers can feel good when they’re waiting.

Improving your space itself will leave a lasting impression on your team and your customers, promoting staff well-being and creating a nice place for your customers.

Invest In New Equipment Or Technology Upgrades. Modern, efficient tools and machinery can streamline your operations, improving your productivity and your product quality.

Replace or upgrade your current equipment to:

  • Increase Efficiency. Get work done faster or create products more quickly, without cutting corners or harming quality.
  • Boost Product And Service Quality. Invest in modern machinery that’s designed to create amazing results more effectively, making life easier for your team and your customers.
  • Reduce Energy Usage. Choose equipment that’s made with energy efficiency in mind, reducing your running costs and your energy consumption.

Although new machinery often has high upfront costs, it can make up for the initial investment through better output and reduced running costs. Plus, the improved production can increase profitability by enhancing your goods and services.

Hire And Train New Staff. Does your current team feel overwhelmed? Could you use some extra help? Use the funding from NZ small business loans to expand your team, hiring and training new staff.

Your new staff members can help fill gaps in your current operations. They can serve more clients and boost your production. Ensure each new staff member is adequately trained and equipped for the work. Your loan could help with hiring the new staff members, purchasing equipment for them, training them and ensuring they get paid.

Enhancing NZ Companies With Small Business Loans

Your loan can be used in countless ways to uplift your small business. Of course, the first step is to plan for and secure your small business loan. We welcome you to work with our Spinach team to learn more about your business loan opportunities.

Get started by calling us on 0800 SPINACH. Or, send us a message online.

Spinach: Let’s pave your way to success with a small business loan.

SMEs Unleashed: The Vital Role of Small Business Loans in New Zealand

Running a small or medium-sized business takes heaps of effort, passion and money. While many hopeful business people have enough effort and passion, securing enough funding to reach your business goals is often difficult. Fortunately, NZ small business loans offer business owners an opportunity to get the money they need to enhance their businesses like never before.

The Pros And Cons Of Business Loans For Small And Midsize Enterprises

Business loans are a flicker of hope for business owners, giving them the opportunity to transform their companies through better equipment, extra staff and more.

As with any kind of financial decision, it’s imperative that you learn more about NZ small business loans before you send in any applications. Working with professional lending specialists is best, as they can guide you through the complex world of business loans.

At Spinach, our lending specialists help clients like you secure the financing you want to elevate your company. We know that you might have plenty of questions about business loans, and we’re here to give you the information you need to make a confident decision.

How can small business loans empower SMEs in New Zealand?

  • Access To More Capital Fast. Money is essential for any business, but it’s not always easy to get. Business loans provide financing for business owners who may have trouble getting funds from other sources, such as investors or profits. Rather than saving up the money yourself, you can use your loan to access more money quickly.
  • Flexible Loan Options. There are different kinds of loans, such as working capital loans, asset financing and invoice financing. You can choose a business loan structure that works best for your situation. Navigating the types of loans can be a challenge, especially if you’re new to the world of business loans. We at Spinach can help you determine the right pathway for you.
  • Help With Cash Flow. Smartly managing cash flow is an essential part of being a responsible business owner, but it’s not always easy – especially if you’re experiencing a period of low revenue. An NZ small business loan can give you the money you need to cover short-term expenses like payroll and inventory purchases. This way, you can ensure your NZ business runs smoothly, even when your profits are lower than average.
  • Faster Growth. The capital you get from a small business loan can allow you to grow your business fast, potentially improving your brand’s reputation, raising profits and enhancing the quality of your services. You could hire more staff, upgrade equipment, rent a more suitable commercial space, etc.
  • Building Your Credit Score. When you get your loan, you can build your credit score by making your loan repayments on time. Improving your credit score now will enhance your credibility and make it easier to get loans in the future.

Of course, there are also some risks that you need to know about before you apply for your NZ small business loan:

  • You Must Pay The Money Back. Naturally, you will need to pay your loan back with interest. Create a repayment schedule and a business plan before you apply for your loan so that you’ll be prepared to make repayments on time.
  • You Must Follow Your Loan Terms. Always thoroughly read through your loan terms before you agree to anything. Following your term loans may be difficult if your business situation changes.

Tips For Securing Small Business Loans In NZ

It’s vital to be innovative and calculated whenever you borrow money. What should you do before you apply for your loan?

  • Work With A Professional. One of the best ways to improve your chances of success is to work with a professional lending specialist like those on our team at Spinach. We can provide you with personalised assistance, streamlining the process while avoiding mistakes.
  • Have A Business Plan. Always create a well-thought-out business plan. A solid plan will guide your actions if you are granted a loan, and it will show lenders that you’re a serious, responsible business person. Try to include factors like what you will use the money for, your financial projections and your marketing strategy.
  • Build Your Credit Score. Your credit score is often the first thing that many lenders will look at. You can improve your score by repaying debts and paying bills on time.
  • Be Prepared. Gather the necessary documents before you begin the business loan application process.

Securing The Funding You Need To Elevate Your NZ SME

The right business loan can empower your business so you can make a name for yourself in New Zealand. We welcome you to visit our website to learn more about how we can help you and to explore our available resources.

Would you like to get in touch with our lending specialists? Call us on 0800 SPINACH or use our site to reach us.

Spinach: Unleash the true potential of your business.

Smart Borrowing: How to Choose the Right Business Loan for Your Needs

Business loans help companies thrive, giving business owners the funding they need to boost their businesses like never before. When starting a new business, one of the most common concerns that business owners struggle with is money. You need funding to create products, buy equipment, pay employees and so on, but it can be difficult to save up extra cash when you’re already putting so much time, effort and money into your current operations.

Business loans can give you that extra bit of funding you need to take things to the next level. But first, you’ll need to choose the right business loan, as selecting the proper financing for you can strongly impact your long-term business success.

Top Factors To Consider When Choosing Business Loans In New Zealand

Where do you start?

Your Business Needs: What Do You Need To Reach Your Short- And Long-Term Goals? Before you apply for anything, stop to reflect on the current status of your business. The stage of your business and the industry you’re in can affect how much money you should ask for. How is your current financial situation? How much money do you need to reach the goals you are currently focusing on?

A few common goals that many small business owners in New Zealand have are:

  • Funding startup costs.
  • Purchasing new equipment.
  • Expanding operations.
  • Hiring more staff.

Analyse your current operations and think about any issues you’re facing. Could funding from business loans help you solve those problems?

With this information in mind, you need to determine how much money you should ask for. Try to calculate a realistic amount based on your budget or your financial forecast, and try to avoid borrowing far too much or too little.

Loan Options: Common Loan Types In Aotearoa. There are different types of business loans, and one kind may be better suited for your needs than another. Before choosing your loan type, make sure you research the options available to you.

  • Working Capital Loans. These are often used to cover day-to-day operational expenses.
  • Small Business Loans. These are specifically meant for smaller businesses, helping grow them into larger operations.
  • Asset Finance. These help you finance assets, such as new equipment or vehicles.
  • Plant And Machinery Loans. These allow you to purchase the plant and machinery you need to expand your business.
  • Invoice Finance. These address delayed payments from clients.
  • Unsecured Business Loans. These loans don’t require property or assets as security.

Interest Rates And Fees: How Much You’ll Pay. It’s essential to pay attention to any interest rates and fees you will need to pay along with your original loan amount. To help you visualise the amount of money you will need to repay your lender, we invite you to use our useful business loan calculator on our website.

Your Financials: Assess Your Business Financials And Creditworthiness. Factors like your credit score will strongly affect how willing a lender is to provide you with business loans. Check your business credit score, which is separate from your personal credit score, and consider ways to improve it if needed. The simplest way to improve your business credit score is to pay your bills on time.

Before you apply for your business loan, you should also gather and prepare any necessary financial documents as proof of your business’s financial standing. Financial records like income statements will help lenders assess loan repayment ability.

Your debt-to-income ratio is also an important factor, as it helps determine your borrowing capacity and influences loan terms.

Professional Assistance: Working With A Business Loan Broker To Maximise Results. All of the above-listed tips can help you discover the right business loans for your unique NZ business. However, they can be challenging to act on independently – especially if you are new to the business loan world.

No worries, help is available – expert business loan brokers can go through each of these steps with you, guiding you through the process while connecting you to reputable NZ lenders who can offer you what you need. A broker can simplify the loan search process and assist you with putting together a loan application that looks fantastic to lenders.

Making wrong moves when applying for a loan can cause your application to be rejected. When you work with a trained lending specialist, you can avoid mistakes and optimise your chances of success.

Securing Funding For Your New Zealand Business

Why are you interested in applying for a loan? Regardless of your goals, we at Spinach would love to help. We specialise in offering our clients professional services tailored to their unique needs.

Do you have any questions for us, or would you like to get the application process started right away? Please feel free to call us on 0800 774 622 or use our contact page.

Spinach: Let’s secure the right funding to grow your business.

Navigating Options: How a Business Loan Broker Simplifies the Lending Process

Cashflow is the lifeblood of any business. Whether you’re a new startup or a booming business with years of experience, you need capital to run your company. However, securing the financing to start, run or grow your business can be a challenge. How can you get a good, suitable loan? Consider working with a business loan broker to help guide you to success.

When you begin looking at your lending options, you may be surprised at just how complex the world of financial lending can be. With so many lenders, loan types and more to consider, finding the right deal for you may seem like an impossible task. A loan broker can simplify the process, working through the challenges with you to streamline your application and connect you with the right NZ lenders.

What Does A Business Loan Broker Do?

What exactly do loan brokers do? Essentially, a loan broker is a financial specialist who helps individuals such as yourself find the right lending options for them. They act as intermediaries, connecting you with potential New Zealand lenders that they know will be a good fit for your particular needs.

Every business is unique, and yours is no exception. Your particular needs, limitations, financial situation, and goals will differ from those of your neighbour, so you need help that considers your qualities. Great loan brokers will carefully analyse your situation with you. After they better understand the nuances of your company, they can then recommend loan types and lenders that they think would be best.

All in all, professional lending specialists can offer you many advantages during the lending process. Here are just a few ways in which your lending specialist can help streamline the process:

  • Concisely Comparing Loan Options. What do you do if you have several different loan options and you don’t know which would work best for you? Rather than struggle with heaps of different choices yourself, consider talking to your loan broker. With your business loan broker, you can carefully go through all of your available options to weigh out the pros and cons of each one. Then, you can make an informed, confident decision.
  • Efficiently And Successfully Applying For Your Loan. It’s extremely important that you properly apply for your loan. Mistakes can lead to rejection, and then you would need to seek out additional loan opportunities. Your loan broker can review your loan application with you, helping you understand exactly what you need to do and what’s expected of you from the deal.
  • Clearing Up Confusion. Lending terms can be confusing, especially if this is your first time applying for a business loan. If you’re confused about anything, they can explain things to you clearly and effectively so you can have all of the information you need.  It’s important to be well-informed whenever you’re working with finances.
  • Negotiating Favourable Terms. Experienced brokers have worked hard to build positive working relationships with NZ lenders. Using their experience and connections, they may be able to negotiate better loan terms for you. This may result in lower interest rates or more flexible repayment terms, potentially saving you money.
  • Access To More Lenders. Using their professional connections and reputation, your broker can access a wide network of lenders. This will give you a larger range of options and more diverse choices to pick from. Rather than having to settle for a deal you’re not very happy with, you can continue to work with your broker to find one you’re confident about.
  • Saving Time. As they say, in the business world, time is money – and you certainly don’t want to spend more time than you need to to find a suitable loan for your business. An expert business loan broker can streamline the process so that you get things done on time, securing a loan efficiently so that you can get back to your bustling company. They can help you identify the best type of loan for your situation, how much money you should ask for based on your needs, the lenders that would be a good match for you and so on – all within a fraction of the time it would take you to do on your own.
  • Saving Money. Overall, working with an NZ business loan broker can save you money in the long run. They can identify the right loans for your company, negotiate better terms and save time, helping you get back to your company with more funds to work with.

Efficiently Securing A Loan For Your New Zealand Business

How would you use your loan to better your business? At Spinach, we strive to help our clients secure business loans that are right for them. We know that every business is different, and we look forward to learning all about what makes your company unique so that we can identify the right path for you.

If you’d like to get in touch with one of our lending specialists, you can call us on 0800 SPINACH or use our contact page.

Grow your business with a proper loan and a healthy helping of Spinach.

Beyond Cash: Unlocking Opportunities with Asset Finance for Your Business

In the business world, you need more than just ambition and passion to succeed – you also need the right tools. The specific equipment you’ll need will depend on the type of company you run, but regardless of what you need, you undoubtedly want high-quality and dependable equipment. Equipment might be expensive, but there’s a way for hopeful business people to acquire the tools they want – asset finance.

One issue that many business people face, particularly those who are just starting out, is the inability to get good equipment for their operations. Often, this is because equipment is expensive, and it isn’t easy to gather enough funds if you’re already using your capital for other important parts of your business. This is where this kind of financial help comes into play because it can allow you to get the essential assets you need to grow your business steadily.

What Is Asset Finance?

This is a type of lending that allows businesses to purchase, replace or refinance important assets while using the assets themselves as security for the loan. This financing is often used to get high-value, high-quality items like vehicles, machinery and important equipment. Even if your business is still small, it can allow you to get the latest technology for your operations.

Any business person will tell you that high-quality equipment can be rather expensive. While this equipment can greatly benefit your company, your daily operations and your team, spending too much of your company’s money can deprive other parts of your company of the funding they need, leading to issues down the track. This is why asset finance remains to be a popular choice for New Zealand business owners – it allows you to acquire the essential tools you need without disrupting the rest of your company.

How Your NZ Business Can Benefit From This Financing

You can probably already imagine quite a few advantages that come with this kind of financial help, such as:

  • Maintaining Cash Flow. Cash flow is the lifeblood of any business, so it’s extremely vital for savvy business people to properly maintain their cash flow to keep their business running. With asset finance, companies can avoid spending large upfront costs, keeping more cash available for other operational needs.
  • Access To High-Quality Equipment And Assets. This kind of financial lending enables NZ companies to get modern equipment and machinery that might otherwise be out of reach or otherwise difficult to get ahold of. This high-value equipment can help you grow your company faster, improving your operations and attracting more customers while maintaining cash flow.
  • Flexible Options. Many kinds of financing offer flexible repayment terms that can be tailored to match your particular circumstances. Every business is unique, and you should take steps to find financing that specifically meets your needs.
  • Better Financial Planning. Businesses can better forecast and manage their financial obligations by spreading out payments over time. Loan repayments are predictable, allowing you to budget accordingly without unpleasant surprises.
  • Reduced Risk. Asset financing involves using the assets themselves as collateral, strongly reducing the need to put personal or business assets at risk.

Why You Should Seek Help When Getting Any Kind Of Business Loan

Money is a very important part of the business world. So, when borrowing money from lenders, it’s absolutely paramount that you take the right steps and work with the right lending specialists. Although applying for a loan may seem simple at first, one wrong move can lead to higher costs and potential rejection, so it’s best to maximise your opportunity by working with experts who know what they’re doing.

So, we at Spinach are here to help. We understand the needs of New Zealand businesses, and we’re thrilled to work with our clients to find the specific solutions that work for them. We know your business is one-of-a-kind, and we want to find the asset finance solution that perfectly fits your needs.

How can we help?

  • Personalised Assistance. We don’t just offer you advice that you could find anywhere; we offer you advice that takes into account your business’s specific situation. We will discuss your goals, your current circumstances and any other important factors that could affect your finances.
  • Industry Expertise. Our specialists have decades of experience helping all kinds of business people, and we understand the diverse needs of various industries across Aotearoa. While we will, of course, look at your business as a unique entity, we can also draw from our past experiences to determine what will work for you.
  • Minimising Loan Costs. Our top goal is to help you achieve your goals while maintaining strong financial health. We’ll seek out great loan opportunities to minimise risk and costs while maximising potential.

Securing The Assets You Need With Spinach

Are you interested in a particular piece of equipment that would really help your NZ business? Speak to us at Spinach, and we’ll discuss potential asset financing solutions to meet your needs.

Getting in touch is easy, just call us on 0800 774 622 or use our contact page.

Grow your business and find success – let us at Spinach help!