Free quiz
Which stall fits me?
New Zealand's business lending market has a lot of stalls. Answer seven quick questions and we'll point you to the kinds of lender most likely to say yes to a business like yours, and the ones to skip for now.
How the quiz decides
Each kind of lender in New Zealand has a sweet spot. The main banks want established trading, tidy financials and clean credit, and they move at bank pace. Smaller banks can be more personal, but have similar standards. Non-bank lenders and finance companies trade some price for flexibility on credit history, documentation and speed. Private lenders focus mainly on the property offered as security and on your plan to repay. Fintech lenders look closely at bank-account data and suit smaller, shorter needs. Asset and invoice financiers lend against a specific thing: a machine, a vehicle, or money your customers owe you. Brokers sit across all of them.
Your answers nudge scores up or down for each stall. Owning property opens up secured options that are usually cheaper per dollar than unsecured ones. A short trading history or recent credit trouble pushes the banks down the list. Needing money within days favours lenders who can assess quickly. The purpose matters too: there's no point paying for a general loan when an asset or invoice financier lends against exactly what you need.
Once you know which stalls to visit, read our guide to comparing business loans, and keep your credit file safe while you shop by reading how enquiries affect your credit. If you'd rather have someone do the walking for you, start a 60-second enquiry. There's no credit check to ask, and a real person reads it.
Frequently asked questions
What does the stall quiz actually tell me?
It points you towards the kinds of lender most likely to suit your situation, based on seven simple answers. It doesn't name specific companies, check your credit or decide whether you'll be approved. Think of it as a map of where to start browsing.
Why might the quiz suggest a non-bank or private lender?
If you need money quickly, have bumps in your credit history or have IRD debt, the main banks may not be the best first stop. Non-bank and private lenders assess deals differently and often lean on property security rather than a perfect track record. They usually cost more, so weigh that up.
Is my main bank always the cheapest option?
Often it's the lowest-cost option if your business fits its policy neatly. But fitting the policy is the hard part, and a decline is still a formal application. The quiz flags when your answers suggest the bank might be a long shot.
Does doing the quiz affect my credit file?
No. Your answers stay in your browser. Nothing is saved or sent, and no one checks your credit.
Skip the walking. Let a real person match you.
One short enquiry, no credit check to ask, and a real person who matches your business to the right lender in New Zealand's market. Please answer accurately so the first match fits.
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