FMA Licensed · FSP1005055

Commercial finance
for New Zealand
businesses.

Unsecured loans, asset finance, franchise funding and restaurant refinance — arranged fast, without the barriers of traditional bank lending.

Apply Now
No property security
Funding in 24 hours
No credit score impact
Nationally available
$5K–$500K
Available to borrow
24hr
Possible funding time
5 yr
Maximum term
0
Security required

Our Products

Commercial finance
built around your business

We work with a specialist panel of lenders to find the right funding structure for your situation — not a one-size-fits-all product.

Most Popular
Unsecured Business Loans
Working capital, growth funding, and cashflow support for established NZ businesses — no property security required.
  • $5K – $500K available
  • Assessed on trading history
  • Funding possible in 24 hours
Learn more
Vehicles & Equipment
Asset Finance
Finance trucks, machinery, equipment, and commercial vehicles. Secured against the asset — competitive rates, fast approval.
  • Trucks, machinery, equipment
  • Zero deposit available
  • Flexible repayment terms
Learn more
New Businesses
Franchise & Startup Loans
Funding for franchise purchases and new business ventures. No minimum trading history — just 20% equity and a solid business plan.
  • No minimum trading period
  • 20% equity contribution required
  • Business plan assessed
Learn more
Hospitality
Restaurant Finance
Refinance high-cost kitchen and fit-out equipment. Many hospitality businesses are paying 30%+ — we work with specialist lenders to get that from 13% p.a.
  • Kitchen & equipment refinance
  • Rates from 13% p.a.
  • Significant interest savings
Learn more
Not Sure?
Not sure which product?
Tell us about your situation and we'll identify the right fit. Confidential, no obligation, no credit check.
Check eligibility

How It Works

Simple process.
Fast outcome.

1

Check Eligibility

Answer a few quick questions about your business. We confirm fit confidentially — no credit check, no commitment required.

2

Feasibility Review

We assess your trading performance using bank statements. No full financial statements required. Most reviews complete same day.

3

Funding Structured

Once approved, we structure the funding to suit your business and coordinate settlement with your lender — often within 24 hours.

What we assess
Trading history & bank statements
Revenue consistency and cashflow
Business serviceability (DSCR)
Property security — not required
Full financial statements — not required in most cases

Why Fundme

Built for business owners,
not banks.

Traditional banks can't move fast enough for the realities of running a NZ business. We can.

No security required

Your home stays out of it. We assess unsecured lending on your business's own trading merits.

Funding in 24 hours

For eligible applicants, settlement can occur within 24 hours of approval. No six-week bank queue.

No credit score impact

We protect your credit score until approval is confirmed. No hard inquiry on initial enquiry.

100% fee transparency

Every fee broken down clearly before you commit. The rates we quote don't change later in the process.

Commercial specialists

We focus on commercial lending — trucks, machinery, franchises, unsecured commercial facilities. This is our lane.

FMA licensed

Fundme Ltd (FSP1005055) holds a Class 3 FAP Licence. Regulated, accountable, and operating under NZ financial services law.

Hospitality Finance

Paying 30%+ on your
kitchen finance?

Many NZ restaurants and cafes are locked into high-rate equipment finance arranged at the time of fit-out. We work with specialist lenders to refinance that debt — from 13% p.a.

On a $150,000 kitchen facility, that difference can save your business more than $25,000 in interest over the loan term — money that stays in your cashflow.

See how it works
Rate comparison · $150K kitchen facility
Typical fit-out lender rate
30%+
vs
Fundme refinance rate
from 13% p.a.
Estimated interest saving
$25,000+
Over the loan term · indicative only

Rates subject to lender assessment and applicant credit profile. Individual results will vary.

FAQ

Common questions

No. Our unsecured products are assessed on trading history and cashflow — not property equity. Asset finance is secured against the asset being financed, not your home.
From $5,000 to $500,000 depending on your product and trading profile. Commercial asset finance amounts vary based on the asset value and LVR.
Yes. Our lenders can fund startups and franchise purchases with no minimum trading history. You'll need a 20% equity contribution, a business plan, and financial forecasting.
Funding is possible within 24 hours for eligible applicants following approval. Timeline depends on how quickly documentation is provided and lender processing times.
No. We do not share your information with lenders until we have confirmed that approval is likely. An initial eligibility check will not impact your credit score.
Fundme is a commercial finance brokerage (FSP1005055). We arrange funding through a panel of specialist lenders and manage the process on your behalf. We strongly recommend all borrowers seek independent legal and financial advice before entering any credit contract.

Ready to check eligibility?

Less than 2 minutes. No credit check, no commitment — just a confidential look at whether we can help.

Or email hello@fundme.nz

Don't let cashflow stall your business.

Fast, transparent commercial finance — without the bank's barriers.

Apply Now

Looking for a personal loan or consumer finance? We can help with that too.

Personal & Consumer Loans →