New Zealand business and commercial funding
Tap through six quick questions right here. If it looks like you may qualify, leave your details and a Fundsmart funding specialist will call you with the options from our panel of bank, non bank and specialist lenders.
Larger, property-backed or complex deal? Talk to us directly
How it works
How long you have been trading, how much you need, what it is for, your industry, any assets and the term. Just tap your answers.
You find out straight away whether it looks like your business may qualify, then leave your name and number. No credit check.
A Fundsmart funding specialist calls you at the time you choose and talks you through the options from our lender panel. You decide whether to go ahead.
How we work
Whether you are the business owner or the professional adviser beside them, the starting point is the same conversation about the transaction.
Business owners, commercial property investors and developers can contact Fundsmart directly. Tell us what needs to be funded, how much and by when. We do the structuring and approach the providers that suit the transaction.
Accountants, lawyers, mortgage advisers and brokers refer business, asset, commercial property and specialist finance to Fundsmart. You keep the client relationship, we handle the funding piece and keep you informed.
Where we add the most value
Many business transactions fail on timing rather than merit. Fundsmart focuses on funding that has to move quickly and on facilities that stay available when the business needs them.
Bridging, settlement and transitional funding for a defined period with a clear exit, including property backed short term facilities.
Revolving and on demand facilities that sit behind the business for working capital, stock, trade and cashflow timing gaps.
Where a deadline is short, we approach providers who can assess quickly and tell you early whether the timeframe is realistic.
Timeframes depend on the transaction, the information available and the funding provider's own assessment. Fundsmart cannot guarantee that funding will be approved or available by a particular date.
Fundsmart assists with funding required wholly or predominantly for a genuine business, commercial or investment purpose. We do not arrange consumer residential mortgages or personal lending.
You do not need to know the exact finance product before contacting us. Start by telling us what the business is trying to achieve.
Funding to help manage business cashflow, operating requirements, seasonal demand or a planned growth opportunity.
Learn moreFinance for machinery, vehicles, technology, tools, fit outs and other assets used by the business.
Learn moreFunding structures for purchasing an existing business, franchise, business assets or company shares.
Learn moreFinance for purchasing, refinancing or releasing equity from commercial and investment property for an eligible business purpose.
Learn moreFunding for land, subdivisions, construction, development projects, cost overruns and residual stock.
Learn moreFunding for time sensitive transactions where there is a clear requirement and a credible repayment or exit strategy.
Learn moreFinance for stock purchases, supplier deposits, imports, seasonal inventory and business trade cycles.
Learn moreFunding to help bridge the timing between completing work, paying business costs and receiving customer payments.
Learn moreReviewing existing business debt, IRD obligations, expiring facilities and other commercial finance commitments.
Learn moreNew Zealand business and commercial funding
Answer six quick questions about how long you have been trading, how much you need and what it is for. A Fundsmart funding specialist then calls you with the options that suit your business.
Larger, property-backed or complex deal? Talk to us directly
Accountants, lawyers, mortgage advisers and brokers
Fundsmart works alongside professional advisers. We help structure business, asset, commercial property and specialist finance while you keep your client relationship.
You remain your client's primary adviser. Fundsmart supports the funding piece.
Bank, non-bank, private and specialist providers for complex transactions.
Fee-sharing is discussed upfront so everyone understands the engagement.
Discuss a transaction informally before either party commits to proceeding.
Fundsmart sits between the client and potential funding providers. Our role is to understand the proposed transaction, help organise it clearly and approach appropriate providers with the client's authority.
The client or professional adviser tells Fundsmart what needs to be funded.
We consider the purpose, amount, timing, business position and available transaction information.
We help organise the information and identify the type of provider that may be appropriate.
The selected funding provider completes its own assessment and makes the final decision.
Fundsmart does not make the lender's credit decision and cannot guarantee that funding will be available.
A previous decline does not mean finance will be available. Fundsmart will need to understand the complete transaction before explaining whether there may be another pathway.
We begin with what the business is trying to achieve rather than requiring the client to select a finance product first.
Depending on the transaction, Fundsmart may consider bank, non bank, private and specialist funding options.
We help turn an initial funding need into a clearer proposal that an appropriate funding provider can assess.
Fundsmart helps coordinate the process and keeps the client informed about the information and next steps required.
New Zealand business and commercial funding
It takes about a minute, it is free and there is no credit check. Prefer to talk first? Email info@fundsmart.co.nz or call 09 873 6601.
Larger, property-backed or complex deal? Talk to us directly
