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Ask Mr · Borrowing

Ask about borrowing

How much, how long, secured or not, and what it really costs — the borrowing questions New Zealand owners ask most, answered straight.

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  1. Q1 How much can my business borrow in New Zealand?How much can a New Zealand business borrow? Mr Business Loans explains how lenders size a loan on property equity, turnover and repayments.
  2. Q2 Should my business borrow secured or unsecured?Secured vs unsecured business loans in New Zealand: what each means, who each suits, what lenders check, and how to pick the right route.
  3. Q3 Can I get a business loan without owning property?No property to secure a loan? How unsecured and cash-flow business loans work in New Zealand, what lenders read in your statements, and what's realistic.
  4. Q4 Can I get a business loan with bad credit?Defaults, late payments or a past business failure? How New Zealand lenders view bad credit on a business loan, what helps, and how to check your file.
  5. Q5 How long should my business loan be?Short-term or long-term business loan? How to match the term to what you're funding, plan your exit, and keep repayments comfortable in New Zealand.
  6. Q6 What does a business loan actually cost?Interest is only part of the cost. The fees in a New Zealand business loan, how to compare offers in dollars, and why Mr won't quote a 'from' rate.
  7. Q7 Will I have to sign a personal guarantee?Why New Zealand lenders ask directors for personal guarantees, what you're agreeing to, how it links to your home, and the questions to ask first.
  8. Q8 Can I roll my business debts into one loan?Juggling short-term loans, cards, suppliers and IRD? When consolidating business debt into one loan helps New Zealand owners, and when it doesn't.

Ready for a straight answer about your business?

Tell us what you need in about a minute. There's no credit check to ask, nobody shops your details around, and a real person rings back with options that suit a New Zealand business like yours.

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