Fund the growth your
business deserves.
Working capital, equipment, expansion, cash flow — FYN finds the right business finance from our specialist lending panel. Fast decisions, flexible terms, built for NZ businesses.
The right structure for your situation
Business finance isn't one-size-fits-all. We match you to the right product from the right lender — whether that's a short-term cash injection or a long-term growth loan.
A lump sum repaid over a fixed period. Best for one-off investments like equipment, fitout, or expansion where you know exactly what you need upfront.
Most commonCover day-to-day operating costs — payroll, rent, stock, overheads — while waiting for receivables to come in. Keep your business moving without cash flow pressure.
Fast approvalFinance machinery, vehicles, tools, or technology. The asset often acts as security, keeping rates competitive. Ideal for tradies, manufacturers, and logistics businesses.
Unlock cash tied up in unpaid invoices. Borrow against outstanding receivables and access up to 85% of invoice value within 24 hours — without waiting 30–90 days for payment.
Cash flow fixFlexible revolving credit — draw down what you need, when you need it, and only pay interest on what you use. Great for managing seasonal dips or unpredictable expenses.
FlexibleLaunching, early-stage, or buying an existing business? We work with lenders who consider solid plans, personal creditworthiness, and acquisition deals — not just trading history.
Every stage of business needs funding
From a new start-up to an established operation looking to grow, there's a business loan for every situation. Here are the most common reasons our clients borrow.
Launching a new business and need seed capital for stock, equipment, or your first premises? We work with lenders who back new ventures.
Opening a new location, renovating an existing one, or fitting out a shop or office. Cover upfront costs without draining your operating reserves.
Bulk purchasing, seasonal stock-up, or a new product line. Finance lets you take advantage of supplier discounts and avoid stockouts.
Taking on new staff or bridging a payroll gap? A short-term business loan covers wages while you wait for revenue to catch up.
Finance vans, utes, trucks, or an entire fleet. Business vehicle finance with competitive rates and terms built around your revenue cycle.
Digital ads, a new website, trade show presence, or a sales campaign. Invest in growth now and recoup the cost from the revenue it generates.
Buying into a franchise? We have lenders experienced in franchise finance who understand the model and can move quickly on approvals.
Buying an existing business? We can structure finance for acquisition deals — including goodwill and IP — and work with your accountant to get it right.
Seasonal slowdowns, a slow-paying client, or unexpected costs — short-term business lending keeps operations running smoothly without stress.
Common problemPOS systems, cloud software, computers, or automation tools. Tech investments that pay dividends — without a large upfront capital hit.
Buying or leasing commercial premises, a warehouse, or industrial space. We connect you with lenders who specialise in commercial real estate.
IRD tax bill come in bigger than expected? A short-term business loan spreads the cost and keeps you compliant without wiping out reserves.
From enquiry to funded in 4 steps
Business finance doesn't have to be slow or complicated. We make the process as straightforward as possible.
Quick call or form — your industry, revenue, and what you need the funding for. No paperwork yet.
No credit check yetOur advisor reviews your situation and identifies the best-fit lenders from our panel of specialist business lenders.
Same dayWe manage the application with supporting docs. Many lenders return a decision within 24 hours.
Often 24 hrsOnce approved and signed, funds are transferred directly to your business bank account — often the same day.
Same-day availableBuilt for NZ businesses
of all sizes.
From sole traders to limited companies, early-stage to established — we have lenders who understand the NZ business landscape.
Sole traders & self-employed
You don’t need a company structure. We work with individuals operating as a business with regular revenue.
Limited companies (Ltd)
NZ-registered companies with at least 3–6 months trading history (some lenders require 12 months).
Start-ups (some lenders)
New businesses with a solid plan and personal creditworthiness. Some lenders back ideas, not just track records.
Active trading businesses
GST registration is not required — we work with businesses at all stages, including those trading below the GST threshold.
Minimum revenue from $3,000/month
Some lenders require a minimum monthly revenue. We'll clarify this for your specific situation when we call.
💡 Don't have everything ready? Apply anyway. Our advisor will tell you exactly what each lender needs when we call.
Estimate your repayments
Get a quick estimate for your business loan repayments. Rates and terms vary — speak to us for an accurate quote.
Your business loan details
Trusted by Kiwis nationwide.
“Loan approved in 15 minutes — all they needed was my driver’s licence. Quick, simple, and completely stress-free. Communication was excellent throughout. Would absolutely recommend.”
“Best service I’ve dealt with. Always kept me up to date, made the process incredibly smooth. Stress-free from start to finish — 100% recommend to anyone needing finance.”
“Exceptional professionalism and dedication. Sincerely grateful for their help securing my dream car — reliable, transparent, and strongly client-focused from the very first call.”
Common questions
Ready to fund your business?
Talk to a FYN advisor today — no obligation, no credit impact, just a straight conversation about what's possible for your business.