Working Capital Loans provide short-term funding to cover operating expenses.

Apply for Working Capital Loans and we’ll assist your growth

Harness your potential with a Working Capital Loans

A working capital loan allows you to continue your daily operations should you encounter untimely cash flow gaps, seasonal lulls, or need to finance new equipment.

Find appropriate types of working capital loans with Spinach small business loans.

Working capital to sustain business growth

A small businesses working capital loan can take many forms including finance to cover employee wages, a loan to cover the purchase inventory or invoice factoring so you collect money sooner.

You might require trade finance to cover the cost of products until they are sold. With Working Capital finance your business can fund gaps in business cash flow and inventory, to support operational activities.

Partner with Spinach

Businesses should focus on maintaining enough operating capital to sustain growth and that’s where Spinach can help you with tailored business loans.

Fuel growth through Invoice Factoring

A dilemma many businesses face is that if they were paid the money they are owed that might overcome short-term cash flow issues or they could expand sooner.
Invoice factoring is a service where a business receives access to funds owed to them before it is paid by their customers.

The business sells its accounts receivables to a third party (called a factor) at a discount, to get access to immediate cash.

Maintain smooth small business administration operations

It’s a positive method to turn unpaid invoices into cash – and with those funds, you can keep up with operational expenses.

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Interest Rates as low as


Business Capital Loans

Asset Finance up to

$ 1M

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Unsecured Lending up to

$ 150K

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 NZ Businesses

Sure we provide fast, efficient business funding but more than that, you also benefit from ongoing support from a knowledgeable advisor.

Get in touch

Contact details: Give us a call on 0800 774 622 during business hours, apply online or email anytime.

Get the nutrients your business needs for growth

We use our extensive experience in business funding to get the loan your business needs to thrive – You get a personalised loan consultant from start to finish.

working capital loans apply now

Power up your business with a loan from Spinach

Flexible finance solutions for an ambitious business just like yours

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

Request a call back to Overcome Unsecured Business Loans

Want a no-obligation chat about your company requirements? Ask us to call you! We want to hear all about your business idea as well as your business plan.