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Home › Unsecured Business Loans
Unsecured Business Finance

Four ways to fund
your business.
Without the security.

Working capital loans, revolving lines of credit, IRD tax funding, and invoice-backed cashflow finance — all arranged without property security. We match your situation to the right product and the right lender.

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Unsecured Business Loans
$5K – $500K · Up to 5 years
Working capital
Line of Credit
$2K – $500K · Draw what you need
Revolving
Tax & GST Funding
From $5K · IRD obligations
IRD debt
Invoice-Backed Cashflow Finance
Secured against receivables
Cashflow

Unsecured Business Loans

Working capital
on your terms.

The most straightforward product in our range. A lump-sum loan assessed on your trading history and cashflow — not what you own. Repay over a fixed term that suits your business.

Stock, inventory, and supplier payments
Business growth and expansion costs
Hiring staff or covering payroll
Covering gaps between invoicing and payment
Refurbishments, fit-outs, and equipment
Loan at a glance
Loan amount
$5,000 – $500,000
Loan term
Up to 5 years
Property security
Not required
Assessment
Trading history & cashflow
Documents
Bank statements
Funding time
As fast as 24 hours
Rate
Based on your profile

Rates confirmed at approval based on trading profile, credit history, and loan amount. No property required for amounts up to $150K. All borrowers recommended to seek independent legal and financial advice.

Business Line of Credit
Active
Credit limit
$75,000
$0 drawn $33,750 drawn $75,000
$41,250
Available now
2 yr
Term (renewable)
Interest
On drawn only

Line of Credit

Access funds when
you need them.
Pay only for what you use.

A revolving credit facility up to your approved limit. Draw funds when you need them, repay when you can, and draw again. Interest is charged only on the amount drawn — not the full limit.

Managing day-to-day cashflow fluctuations
Paying suppliers or urgent stock orders
Seasonal businesses needing flexible access
A financial safety net you access only if needed
Key details
→ Facility: $2,000 – $500,000
→ Term: 2 years, renewable
→ Minimum trading: 2 years
→ Interest: On drawn balance only

Tax & GST Funding

IRD debt doesn't have
to derail your business.

Facing a tax or GST bill you can't cover in one hit? We arrange funding specifically for IRD obligations — letting you spread the cost over an agreed term and protect your business cashflow.

Penalties and interest from IRD can compound quickly. Getting funding in place fast protects your credit position and keeps your business operating without disruption.

Income tax & provisional tax
Spread your IRD obligations over an agreed period
GST obligations
Fund GST returns and protect your cashflow cycle

Tax Funding Example

Indicative only · Subject to approval

IRD tax obligation
$28,500
Fundme tax facility
$28,500
Cashflow protected
$28,500
IRD paid · Debt spread over agreed term
Tax funding details
Minimum facility$5,000
Eligible obligationsIRD debt only
SecurityNo property required
How invoice-backed cashflow finance works
1
You complete work and issue invoices to your clients
↓
2
Your invoices become the security for the facility — not your property
↓
3
Fundme arranges an advance against your receivables
↓
4
Funds hit your account — cashflow restored while you wait for client payment
↓
✓
Client pays → facility repaid → cycle repeats

Invoice-Backed Cashflow Finance

Your invoices are
working capital waiting
to be unlocked.

Many NZ businesses invoice clients on 30, 60, or 90-day terms but have costs to cover now. Invoice-backed cashflow finance advances funds against your outstanding receivables — bridging the gap without touching your property.

Best suited for
→ B2B businesses with regular invoicing cycles
→ Contractors awaiting milestone payments
→ Service businesses with 30–90 day payment terms
→ Businesses growing faster than cashflow allows
Important to know

This facility is secured against your invoices (receivables), not against property. It operates differently to a standard unsecured loan — we assess the quality and value of your invoice book as well as your business profile.

Compare Products

Side by side

Not sure which product suits your situation? Here's a quick comparison to help you decide — or check eligibility and we'll match you.

Product Amount Term Structure Security Best for
Unsecured Business Loan $5K – $500K Up to 5 years Lump sum No property required Working capital, growth
Line of Credit $2K – $500K 2yr renewable Draw & repay No property up to $100K Ongoing cashflow flexibility
Tax & GST Funding From $5K Agreed term Lump sum No property required IRD obligations
Invoice-Backed Cashflow $5K – $500K Revolving Advance on invoices Secured on receivables B2B invoice timing gaps

All products subject to lender assessment and applicant credit profile. Terms and availability vary by lender. Not all amounts or terms available to all applicants. Fundme provides access to lending options only and does not provide financial advice.

FAQ

Common questions

No. All four products on this page are available without property security for amounts up to certain thresholds. We assess your application on trading history, revenue, and cashflow — not what you own.
A business loan provides a lump sum upfront which you repay over a fixed term. A line of credit gives you an approved limit you can draw from and repay repeatedly — you only pay interest on what you've actually drawn at any time.
Yes. We arrange tax and GST funding specifically for IRD obligations from $5,000. This lets you pay your IRD debt in full immediately and spread the repayment over an agreed term, avoiding penalties and protecting your cashflow.
Funding is possible within 24 hours for eligible applicants following approval. Timeline depends on the product, documentation provided, and lender processing. Many applications receive same-day decisions.
It's a cashflow facility where your outstanding invoices act as security rather than property. You advance funds against receivables you're owed, bridging the gap between completing work and receiving payment. Best for B2B businesses with regular invoicing.
The right product depends on your cashflow pattern, loan amount, and how you plan to use the funds. Check eligibility and tell us your situation — we'll match you to the most suitable product and lender from our panel.

Not sure which product fits?

Tell us your situation and we'll match you to the right product. Confidential, no credit check, no commitment.

Or email hello@fundme.nz

Ready to sort your business finance?

Check eligibility in under 2 minutes. No credit check, no commitment.

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