NZ's Friendliest Small Business Loan Lenders
Apply for small business loans in NZ with Spinach and watch your business grow. The eligibility process takes just a few minutes, and our loans provide the financial nutrients your company needs to become strong and successful.
With years of experience, the team at Spinach knows what it takes to help Kiwi businesses thrive. When you choose us, you’ll be paired with a dedicated loan consultant who will guide you through the process from start to finish, making sure you’re supported every step of the way.
Why Choose Spinach for Your Small Business Loan?
Experienced Lenders
We understand how important the right funding is to your company’s growth. As specialist lenders, we make borrowing straightforward, offering targeted lending options that support your long-term goals.
Boost Your Business
Running a small business is exciting but can also be financially demanding. Our loans are designed to provide the capital you need for essentials such as fit-outs, equipment, stock, or marketing, helping you focus on serving your customers.
Flexible Finance Options
No two businesses are the same, so we take a customised approach. We offer secured and unsecured small business loans with competitive rates and repayment terms tailored to your cash flow.
Interest Rates as low as
7.6%
Asset Finance up to
$ 1M
Unsecured Lending up to
$ 500K
Our Small Business Loans
Spinach offers a full range of funding solutions for Kiwi businesses, whether you’re just starting out or you are ready to grow. Our role is to ensure you have access to the right funding at the right time.
Secured & Unsecured Lending
At Spinach, we offer both secured and unsecured small business loans, so whatever your financial circumstances or business needs, we have an option that fits.
Unsecured loans don’t require you to put forward an asset as security, though they generally come with higher interest rates. The advantage is peace of mind – if situations change and repayments fall behind, you won’t risk losing your home, car, or other valued assets.
That extra layer of security makes an unsecured small business loan an attractive choice in today’s unpredictable financial climate. With Spinach, growing your company doesn’t mean putting your personal property on the line.
Our flexible unsecured loans, available from $10,000 to $500,000 for small businesses across New Zealand, give you the freedom to chase your business dreams without risking your dream home.
Business Loans
Tailored secured and unsecured business loans to match your goals. Whether for growth, stability, or opportunity, we connect you with the right lender and terms.
Buying a Business Loan
Are you looking to purchase an existing business? We’ll help you structure the right finance, review your plan, and match you with lenders ready to support your next step.
Asset Finance
Get the vehicles, machinery, or tools your business needs without draining cash. Asset finance spreads the cost, keeping your business productive and future-focused.
Working Capital Loans
Cover your everyday business costs, manage seasonal shifts, and support steady growth with working capital loans that keep your business moving without disruption.
Equipment Finance
From vans to production lines, we finance the equipment that drives your business. Our options include competitive vehicle loans tailored to your growth plans.
Invoice Finance
Unlock cash tied up in unpaid invoices. Utilise invoice finance to cover wages, purchase stock, or maintain cash flow while awaiting customer payments.
Unsecured Finance
For businesses with strong financials, unsecured loans offer quick funding without tying up assets. At Spinach, our friendly team will secure flexible terms that suit your needs now and serve you in the future.
Start-Up Business Loans
Launch your idea with confidence. Spinach’s startup business loans in NZ provide fast, simple, and flexible funding to help your new venture grow from day one.
Line of Credit for Businesses
Access flexible funding when you need it most. Our business line of credit in New Zealand gives you ongoing access to cash to manage growth and everyday expenses.
How to Apply for a Small Business Loan
Apply online in minutes – Complete our simple application form, or call us on0800 774 622 to chat directly with our friendly team.
Get a fast decision – We’ll review your business details and usually provide an answer within a day.
Sign and receive funds – Once approved, sign your contract and access your funds in as little as 24 hours
How a Small Business Loan Can Help
With funding from Spinach in your business account, you won’t have to miss out on valuable growth opportunities. Our loans can be used to purchase inventory and materials, refinance existing debt, upgrade your premises, hire new staff, and much more. Whatever your business needs to move forward, our team is here to help. Because we work with a network of trusted funding providers, we have the flexibility to find the right small business loan for your unique circumstances. No two businesses are the same, which is why every Spinach client is matched with a dedicated consultant to guide them through the process and tailor a finance solution that fits.
FAQs About Small Business Loans
How much can I borrow?
The amount depends on your financial profile and business needs. We’ll help you determine a suitable loan size.
Do you offer loans for businesses that are just starting out?
Yes, these loans are one of our specialities, designed to help entrepreneurs cover the early costs of starting a business.
What’s the difference between secured and unsecured loans?
Asset-backed secured loans often have lower rates, while unsecured loans can be approved faster without collateral.
How quickly can I access funds?
Approvals are often confirmed the same day, and funds are transferred shortly after.
Which industries do you work with?
We support businesses across various sectors, including hospitality, healthcare, retail, trades, manufacturing, and more.