Shopping smart
Shopping smart for a business loan in NZ
How to compare offers without rates, protect your credit file while you shop, spot a dodgy deal, read the fine print and negotiate a better package.
How to compare loans
A shopper's method for comparing NZ business loans: line offers up on total dollars, flexibility, security and risk, not just the headline rate.
Take a look → How to shopBroker vs bank
Business loan broker vs going straight to your bank in NZ: cost, speed, choice, credit-file impact and the situations where each approach wins.
Take a look → How to shopShopping and your credit file
How credit enquiries work in NZ when you shop for a business loan, why lots of applications can hurt, and how to compare lenders without damaging your file.
Take a look → How to shopQuestions to ask a lender
A shopper's checklist of questions to ask a New Zealand business lender about costs, security, repayments, early exit, defaults and the lender itself.
Take a look → How to shopChecking a loan offer
A shopper's checklist for a New Zealand business loan offer: the money, the fees, the security, the conditions, the default terms and the way out.
Take a look → How to shopTotal cost of finance
How to work out the total cost of a business loan in dollars, including fees and term, plus cost per $1,000 borrowed, so NZ offers compare fairly.
Take a look → How to shopScams and red flags
The warning signs of business loan scams in New Zealand, how to check a lender is real, and where to report it if something feels wrong.
Take a look → How to shopNegotiating terms
What you can negotiate on a New Zealand business loan beyond price: fees, security, guarantees, repayments and exit costs, plus how to use a competing offer.
Take a look → How to shopEarly repayment and exit costs
How early repayment, break, discharge and extension fees work on NZ business loans, why they matter when comparing offers, and the questions to ask.
Take a look → How to shopDocuments lenders ask for
The documents New Zealand lenders usually ask for with a business loan application, by loan type, plus tips to get your pack ready before you shop.
Take a look →Done browsing? Let's find your stall.
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