Stop applying to lenders one at a time and damaging your credit profile. Apply once with Lending Room and we match your business to the lender most likely to fund it. Less admin, fewer credit impacts and a better chance of securing competitive terms. Loans from $5,000 to $500,000.
From working capital to equipment finance, we match your business to the right lender for your specific funding need.
Cover day-to-day operating costs, manage cash flow gaps or bridge the gap between invoices and payments.
Purchase machinery, tools, vehicles or other business equipment without tying up your working capital.
Open a new location, hire staff, launch a new product line or invest in marketing to grow your business.
Renovate or fit out a commercial premises, office or retail space to grow or improve your business environment.
Finance company vehicles, vans or fleet vehicles to support operations without a large upfront outlay.
Apply once and our team will match your business to the right lender for your specific funding need.
Apply nowWe work for your business, not the lender. One application reaches our full panel of trusted NZ business lenders.
Every direct application to a lender leaves a hard mark on your credit profile. We assess options first to find your best match, keeping both your directors' and business credit scores healthy.
We compare lenders to secure competitive business rates, helping to reduce your cost of capital and improve your bottom line.
Unsecured loans, secured loans, asset finance and working capital facilities. We match the right structure to your business needs.
Funding possible within 24 hours once your application is approved and documents are provided. Do not miss time-sensitive opportunities.
Focus on running your business. We handle lenders, paperwork and negotiation to get your finance sorted quickly and with minimal fuss.
No complex banking jargon. We structure loan terms that align with your turnover, cash flow and business goals.
Four steps and your application is done. We handle the lenders from there.
Tell us about your business, funding amount and what the loan is for. No paperwork overload. Takes about 5 minutes.
We review your application and run a soft credit check that does not affect your score. We assess it against your cash flow, credit profile and loan purpose to find the best lender match.
We match you to the lender on our panel most likely to suit your situation so you do not waste time or risk unnecessary credit checks across multiple applications.
Our team contacts you with your approval. If it works for you we guide you through to settlement. If not, talk to us — we can work through what other options may be available. No obligation at any stage.
Ready to get your business funded?
One application. A better loan deal.
You may be eligible for a business loan through Lending Room if your business meets the following criteria.
Registered NZ business
Your business must be registered in New Zealand. Sole traders, partnerships and companies all considered.
Trading for at least 9 months
Most lenders require a minimum trading history of 9 months. Buying an existing business? We may still be able to help.
Regular business income
Consistent revenue flowing through your business bank account. Lenders will assess your cash flow as part of their criteria.
Director or shareholder applying
The person applying must be a director or shareholder of the business with authority to enter into a loan agreement.
What documents will you need?
Having these ready will speed up your assessment.
3–6 months of business bank statements
Current financial statements with a cash flow statement
Valid photo ID for all directors
Details of any existing business loans or liabilities
Common questions about business loans through Lending Room.
Can't find what you're looking for? Contact our team
You can apply for business loans from $5,000 up to $500,000 depending on your business performance, trading history and the lender's criteria.
Funding can be available within 24 hours once your application is approved and all required documents are provided. Speed depends on the lender and complexity of the application.
Not necessarily. We work with both secured and unsecured business loan options. Whether you need working capital, equipment finance or a business top-up, we will match you with the right lender and structure for your situation.
We run a soft credit check during our assessment which does not appear on your credit file or affect your business or personal credit score. Once we match you to a lender, some accept our soft check while others may run their own. We will let you know before we submit.
Most lenders on our panel require at least 9 months of trading history. If you are buying an existing business or have a strong personal financial profile, we may still be able to help. Apply and our team will assess what is possible.
Yes. Most lenders on our panel offer both top-up and early repayment options. Terms vary by lender and will be confirmed before you proceed.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This fee is added to your loan amount and is GST inclusive. It is disclosed clearly before you commit to anything and you are never under obligation to proceed. Lender establishment fees may also apply depending on the lender.osed before you proceed.
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A business loan is a sum of money borrowed by a business to fund operations, growth or specific expenditure. In New Zealand, business loans are available from banks, non-bank lenders and specialist business finance companies. The amount you can borrow, the rate offered and the conditions attached depend on your business trading history, revenue, credit profile and the purpose of the loan.
Through Lending Room, business loans range from $5,000 to $500,000. Both secured and unsecured options are available. Funding is possible within 24 hours once your application is approved and required documents are provided, which makes business lending through Lending Room significantly faster than the traditional bank process.
Business loans can be used for a wide range of operational and growth purposes. Common uses include working capital to manage cash flow gaps and cover day-to-day operating costs, equipment and asset finance to purchase machinery, tools or vehicles, business expansion such as opening a new location or launching a new product, commercial fit-out and renovation, and vehicle fleet finance.
Working capital loans help businesses manage the gap between income and outgoings, particularly where payment terms mean invoices are settled weeks or months after costs are incurred. This type of finance helps businesses maintain operations and pursue opportunities without being held back by short-term cash flow constraints.
Rather than tying up working capital in a large equipment purchase, businesses can spread the cost over time through asset finance. This preserves cash flow while giving the business access to the equipment it needs to operate or grow.
Lending Room matches your business to the right lender from our panel of 20+ vetted NZ lenders. One soft credit check, one application, no obligation to proceed.
Most lenders on our panel require your business to be registered in New Zealand and to have been trading for at least 9 months. Sole traders, partnerships and limited liability companies are all considered. The person applying must be a director or shareholder with authority to enter into a loan agreement on behalf of the business.
Lenders assess your business based on consistent revenue flowing through your business bank account, your directors' personal credit profiles and any existing business liabilities. Self-employed applicants and sole traders are assessed similarly, with bank statements used to verify income in place of payslips.
Every time you apply directly with a lender, they run a hard credit check on both the business and the directors. Multiple applications leave multiple marks on your credit profile, which can affect your ability to secure the best terms. This is a particular risk when shopping around for business finance as the number of lenders willing to fund NZ businesses is more limited than in the personal lending space.
Lending Room assesses your application with a single soft credit check and matches you to the lender on our panel most likely to fund your business at competitive terms. We handle the lender conversations, paperwork and negotiation so you can focus on running your business. As an FSPR registered broker, we are required to act in your interest and disclose all fees clearly before you commit to anything.
One application, one soft credit check, matched to the right lender. We work for your business, not the lender. No obligation to proceed.
