Business Loans2



We have produced great Kiwi Business success stories such as Trade me, Michael Hill Jeweller and Mike Pero Mortgages.

Keep the dream alive.


whether you are planning to purchase an existing business, a franchise, or starting one out.

We have several options available to assist you purchase a business or assist with business expansion.

Talk to us and we will help find a solution for you. We will also discuss any fees and costs involved in providing this service to you.

Business lending is usually a bit tougher as banks need to understand the viability of your business. This is important as business failures are very common in New Zealand.

It is therefore essential you do proper market research for the product or service you are offering.

Location, location, location- This is key if you are relying on foot traffic.
Understand who your competitors are.
What is unique about your business product or service?
How do customers find you?
Rental or leasing costs.

Documents you need to put together for a loan proposal: 

  • Banks generally require 2 years financials for established businesses,
  • A cash flow forecast- your accountant will put this together for you,
  • A Business Plan,
  • Business lending is usually riskier so banks need something to fall back on such as security – Existing house property with equity will be useful,
  • Your financial contribution towards business purchase- Lenders usually ask for at least 50% contribution- Existing equity in a house property may assist.

Common causes for business failures

Not consulting business advisers such as accountant/ solicitors
Technological changes
Lack of or no working capital
Poor management or no management experience
Excessive operating costs such as business rental