COMPARE
NEW ZEALAND'S
BEST SMALL
BUSINESS LOANS
Compare different lenders
Great rates on NZD $10K - $300K
Fast, hassle-free funding
* No cost to apply & it won’t impact your credit score.
How it works:
Step 1: Answer simple questions.
Step 2: Compare the best options.
Step 3: Apply and get funded within 24 hours of approval.
We help you
compare options from
New Zealand
business lenders
Why compare business loans with us
Get the Best Rates
We find competitive offers from top lenders.
No Credit Score Impact
Explore options without affecting your credit.
Fast Approvals
Get funding in as little as 24 hours after approval.
Flexible Loan Amounts
Borrow from $10,000 to $300,000 to suit your needs.
No Bank Hassles
Skip the paperwork and long wait times.
Bad Credit?
No problem. We can still help you get the funding you need.
How does a business loan work?
A business loan gives you access to funds you can use to manage day-to-day costs, invest in new equipment, or take advantage of growth opportunities.
You borrow a set amount, then repay it over a fixed period with interest and fees.
Loan terms range from 1 month to 7 years. Both fixed and variable rate options are available, and the amount you can borrow usually depends on your business revenue.
What you need to know:
✔ Borrow from $5,000 up to $300,000+
✔ Use for any business purpose (not personal).
✔ Repay weekly, fortnightly, or monthly based on cash flow.
✔ Available to businesses, sole traders, and the self-employed.
Here's how to apply for a business loan
3 Simple Steps
Step 1
Answer Simple Questions
Tell us about your business and funding needs
Step 2
Compare Options
Review loan options that match your business
Step 3
Apply to Get Funded
The lending experts from our network will help you get funded
Business Loan
Interest Rates in New Zealand - April 2025
If you're looking for a business loan, it's important to understand what factors impact interest rates and how lenders determine borrowing costs.
Why Do Interest Rates Vary?
Not all businesses qualify for the same rates. Small businesses typically pay about a bit more in interest than larger companies. This is because lenders see smaller businesses as higher risk.
What Affects Your Interest Rate?
(1) The type of loan (secured vs. unsecured)
(2) Your business’s financial health
(3) Whether you can offer collateral
(4) The lender’s criteria and market conditions
How to Get the Best Deal
Comparing different lenders can help you find the best interest rate for your business. Some lenders offer flexible terms, while others specialise in funding certain industries.
Check your loan options today—without affecting your credit score.
Ready to get funded?
Click below to start your application
Address
Suite 14954
17B Farnham Street
Parnell, Auckland 1052
New Zealand
Contact
Beyond Lending Australia Pty Ltd (NZBN: 9429052729799, Company No: 9329330, FSP No: 646089) is a New Zealand registered Financial Service Provider operating as a business loan comparison and referral platform. We are not a lender, credit provider, or financial adviser. We do not offer credit or loan products directly and do not provide financial advice. Instead, we compare a selection of business finance products based on general criteria and refer you to licensed third-party credit providers who may be able to assist with your funding needs. Beyond Lending does not guarantee loan approval, terms, or outcomes. All credit assessments and lending decisions are made solely by the licensed providers we refer you to. You should consider whether any product or service is suitable for your circumstances and seek independent financial or legal advice if necessary.
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