Small Business Loans to Drive Company Growth

Apply for a loan with ease, and we'll help your business grow. We are the best business lending specialist in the country, here to facilitate small business loans to drive company growth.

Small Business Loans NZ

Apply for small business loans NZ with us, and we’ll get your business growing. The process takes just a few minutes. Our loans will give your startup the financial nutrients it needs to grow big and strong.

The team at Spinach has extensive experience in all things business financing. When you choose us, you’re sure to get the small business loan your company needs to thrive. We’ll provide you with a personal loans consultant who’ll be with you from start to finish, making sure you’re looked after every step of the way.

Choose Spinach

Get your business growing healthy and choose Spinach as your small business loan provider today, New Zealand!

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Interest Rates as low as


Small Business Loans NZ

Asset Finance up to

$ 1M

 Business Loans For Startup

Unsecured Lending up to

$ 150K

Need small business loans in New Zealand?

Our wealth of expertise in financing for businesses enables us to provide you with the necessary loan to flourish – You will be assigned a dedicated loans advisor to assist you throughout the entire process, delivering the right secured or unsecured business loans, personal loans, and excellent interest rates.

Get the money your small business needs

Acquire stocks and supplies, restructure your liabilities, enhance your premises or expand your workforce.

Whatever your small business needs, there’s a good chance that Spinach can help you grow. Working with numerous trusted funding providers means we have the flexibility to find a tailored business loan and interest rate to suit your circumstances.

With just one application and a Spinach business consultant helping you through the lending process, we’ll help you reach your goals quicker.

Secured & Unsecured Lending New Zealand

Looking for an unsecured loan to reach your business goals?

Just because you want to grow your enterprise doesn’t mean you have to put your house on the line. Spinach provides flexible loans of between $10,000 and $500,000 to Small Businesses in New Zealand.

And with a Spinach consultant on your side, you can gain approval faster. Jump on that new opportunity, or get your cash flowing immediately.

Here's how it works

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Apply online in just a few minutes or call us direct on 0800 774 622

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Our system evaluates your business and typically provides a decision within a day

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Sign your contract and receive funds in as fast as 24 hours

Skilled Loan Advisors dedicated to serving Small Business

Sure we provide fast, efficient business funding but more than that, you also benefit from ongoing support from a knowledgeable advisor. Give us a call on 0800 774 622 during working hours or email anytime.

working capital loans apply now

Power Up Your Small Business with Money From Spinach

Flexible financial solutions for an ambitious enterprise just like yours.

  • Upgrade your space
  • Manage your cashflow
  • Hire more employees
  • Purchase inventory

Request a call back to Overcome
Unsecured Business Loans

Why choose Spinach for your small business loans?

We’re a New Zealand-owned and family-run enterprise committed to helping your company reach its goals and deliver on each business idea. With years of experience in the business loans market, working with secured and unsecured lending, we’re confident that we can provide you with a tailored financial package guaranteed to meet your needs.

As New Zealand’s friendliest, most approachable business loan brokers, we’re dedicated to providing you with excellent service from start to finish. Specialists in business finance, we’ve built up a powerful network of some of the best moneylenders out there. Our interest rates are reasonable, and we put you first. That’s how we can quickly and reliably secure the funding your company needs to grow and thrive.

Spinach small business administration loans

When you choose Spinach, we’ll work with you and your lender to pay you the funds you need. We’ll take care of the paperwork, while you get back to giving your business the attention it deserves. But don’t just take our word for it.

Click here to see what our many satisfied customers have to say about working with us for their secured, unsecured lending, and personal loan choices.

Need immediate small business loans with bad credit?

There are several things you can do if you want to speed up the lending process. At Spinach, we’ve helped numerous businesses obtain funding fast – sometimes as quick as same-day pay-outs.

Here are our tips for you on helping your money come through quicker:

  • Respond to requests from your broker promptly.
  • Be open about any credit issues you have. By doing so, we’ll be able to focus on lenders more likely to accept your application and save you time.
  • Be open about who else you’ve applied with. This transparency prevents us from sending multiple applications to the same lender, which slows the process down.
  • Make your business plan as clear and accessible as possible.

Who can get a business loan?

You don’t have to run a Fortune 500 company to be considered for a business loan. Sole traders, the self-employed with an existing business, and those starting a new business are also eligible for these types of loans. Tell us your business plan, and we’ll work out the funding you need. Just be aware that you can’t use these funds for personal reasons.

But if you’re looking for financial solutions to attend to your personal needs, Spinach can help. Just get in touch with us and discuss your situation, and we’ll explore which of our options best fits your needs.

Your loan application

When looking at a loan application, a lender will take your overall financial position into account. They’ll consider your other income streams, your credit profile, and your personal assets for security.

There’s no one-size-fits-all answer that determines whether you get offered finance or not. But, by and large, when it comes to assessing an application for a loan, it’s the big picture a lender focuses on.

Enquire Today

If you’re unsure how your circumstances might affect your eligibility, just get in touch with the Spinach team at 0800 774 622. We’re more than happy to discuss your individual financial situation, income, business plan, and needs, and see whether we have a lending solution that’s the right fit for you and your enterprise.

What are the benefits of borrowing with Spinach?

Did you know that over 90% of New Zealand companies are classed as small businesses and they account for almost a third of the economy’s value? The Spinach team does. We know how important it is to help small businesses thrive. That’s why we’re here to help get you access to the opportunities you need with business loans and a team that supports organisations throughout New Zealand.

Our reliable team

When you choose Spinach, you’re choosing a friendly team of brokers who are passionate about helping your company thrive. We know that in the ever-changing world of economics, time is of the essence. Most of our funds come through in 24 hours – so when you choose us for a small business loan, you won’t have to worry about delaying essential purchases or potential deals.

Partner with Spinach

Choose Spinach for a small business loan, and you choose faster turnaround times. That way, you can beat the competition and get more done faster.

Get the money your small business needs in New Zealand

With business loan money from Spinach in your business accounts, you won’t have to worry about missing valuable opportunities for growth. Our business loans provide you with funds to purchase inventory and materials, refinance debt, upgrade your space, hire your employees, and much more. Whatever your small business needs to grow, the team at Spinach can help.

Because we work with numerous trusted funding providers, we’ve got the flexibility to find exactly the right small business loan tailored to your circumstances. We know that no two businesses are alike. That’s why, when you choose Spinach, you’ll get a personalised consultant who will work with you to find the best finance solution for your company’s unique needs.

Business loans can be used to cover a wide range of expenses. Whether it’s stocking up on inventory to meet a rise in market demand, upgrading equipment to do work faster and increase the number of jobs you can take on, or paying for registration fees to get accredited with industry regulators; we can help with it all.

Finding your business loan options

Just let us know what you need, and we’ll discuss the business loan options available. Whether it’s a short-term cash flow demand or you’re looking at buying a whole new franchise, at Spinach, we have the funding you need. We know that running a small business is a time-consuming process. You’ve got enough on your plate, and that’s why we make finance simple.

With just one business loan application and your own Spinach consultant to help you through the lending process, you won’t have to worry about reams of paperwork. Grow quicker and keep pace with the competition with one of our business loans.

How Security Works: Secured and Unsecured Lending

We offer both secured and unsecured loans, which means whatever your financial circumstance and business needs, the team at Spinach have the answer for you. Unsecured loans don’t require an asset to be put forward as security but have higher interest rates. So, if situations change and you fall behind on repayments or fees, you won’t have to worry about saying goodbye to your valued home or car with an unsecured business loan.

This security makes an unsecured small business loan a fantastic option if you’re looking for a safer choice in the unpredictable world of finance. With Spinach, growing your company doesn’t mean having to put your house on the line. Our flexible, unsecured loans are available between $10,000 to $500,000 for small businesses throughout New Zealand – so you can chase your dream business without putting your dream home at risk.

Prefer a traditional, secured loan? We offer those, too.

Secured business loans require an asset as security or collateral but often boast lower interest rates. Whatever your lending and borrowing needs, at Spinach, we’ve got a range of options that are sure to have you covered.

With a Spinach consultant on your side, you can get your business loan application approved faster. So, get cash flowing immediately and seize valuable opportunities.

Talk to us for help determining which type of loan and what fees and interest rates work for you. We’re sure we can find a low-cost solution that is perfect for you.

How do small business loans work?

Here's How It Works

1. Apply for the small business loan online – it takes just a few minutes. Or give us a call at 0800 774 622 to have a chat with our helpful team directly.

2. We’ll evaluate your business and provide you with a quick decision – typically within a day.

3. Sign your contract, and get your funds as fast as 24 hours. It’s that easy.

Skilled Advisors dedicated to serving our Customers

When you choose Spinach, you’re choosing more than just fast, reliable business funding. You’re also choosing ongoing support from a knowledgeable personal advisor. That way, you know what’s going on with your small business loan at all times, and keep your business equipped to deal with changing situations.

Ready to transform your business and watch it grow? Just give us a call at 0800 774 622 during business hours, or email anytime. We’re there for whatever you need to get your small business growing big.

Grow your business big and strong

We use our extensive funding experience to get you the money your business needs to thrive. Get a personalised loan consultant, start to finish with Spinach.

Power up your small business with a loan from Spinach

We offer flexible finance solutions for ambitious businesses just like yours. What can you do with business loans from Spinach?

Upgrade your space | Manage your cash flow | Purchase inventory | Hire more employees | And much, much more…

Request a call back to overcome unsecured business loans

Want a no-obligation chat about your business requirements? Just click below, and we’ll call you! That’s why we’re New Zealand’s friendliest financial provider.

Your business lending provider

If you want to get your business growing, talk to the friendliest business lending provider in New Zealand about small business loans.