Ask Mr · My business
Ask about my business
Sole trader or company, new or established, seasonal or steady — how your business itself shapes what a New Zealand lender can do.
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- Q1 Do I need a registered company to get a business loan?Sole trader, partnership or company: do New Zealand lenders care? How structure affects borrowing, guarantees and paperwork, and whether to incorporate.
- Q2 Can a trust or a partnership borrow for a business?How New Zealand lenders deal with partnerships and trading trusts: who signs, who's liable, the documents needed, and the snags that slow these loans.
- Q3 How long do I need to be trading to get a business loan?New business or only a few months in? How trading history affects New Zealand business loans, what's possible in year one, and how property changes it.
- Q4 What documents will a lender ask for?The documents New Zealand business lenders ask for — ID, bank statements, IRD statements, GST returns, financials and property papers — by loan type.
- Q5 My income is seasonal. Can I still borrow?Tourism, horticulture, hospitality or trades with busy and quiet months? How New Zealand lenders assess seasonal income and shape a loan around it.
- Q6 Can I borrow to buy a business in New Zealand?Buying an existing New Zealand business? How purchase funding works, what lenders want to see, what you'll need to bring, and the checks to do first.
- Q7 What can I use a business loan for?Stock, equipment, wages, a fit-out, IRD bills, buying out a partner: what a New Zealand business loan can fund, what it can't, and why purpose matters.
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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