Not every lending need fits a standard home loan. Business loans, commercial lending, asset finance and personal loans all get assessed differently, and the main banks aren't always the right (or only) option. We compare across banks and a panel of non-bank and specialist lenders to find what actually fits, for clients across Whangārei, Taupō and NZ-wide.
Sorted into three steps
- 1
Working out what you actually need. Business loan, asset finance, commercial property lending or personal lending aren't always obvious from the outset. We help figure out which one fits the purpose, and how a lender will assess it.
- 2
Matching you to the right lender. Some situations suit a mainstream bank. Others suit a non-bank or specialist lender who takes a different view on trading history, security or credit. We compare across both.
- 3
Structuring it properly. Term, security and repayment structure matter as much as the rate. We help make sure it fits how your business, or your finances, actually work.
A team who look beyond the standard bank checklist
Our Whangārei and Taupō advisers regularly work on business loans, commercial lending, asset finance and personal lending, not just standard home loans. When your situation doesn't fit a bank's standard checklist, that's exactly the kind of lending we're used to working through.
Who we compare
We compare across the main banks and a range of second and third-tier lenders, each with their own lending appetite. We make sure whichever one we recommend actually aligns with your lending requirement.
How it works
- 1
Free chat. Tell us what you're financing, in Whangārei, Taupō, or over the phone.
- 2
We compare. Across banks and our non-bank and specialist lending panel.
- 3
We do the legwork. Applications, paperwork, lender conversations.
- 4
You're sorted. And we're around for the next one, or the next review.
What does it cost?
If a fee ever applies on a more complex deal, you'll hear it from us up front, before any work starts.
FAQ
What's the difference between a business loan and asset finance?
A business loan is general-purpose funding, often for working capital. Asset finance is tied to a specific asset, like a vehicle or piece of equipment, and is usually secured against that asset.
Can you help if a bank has already said no?
Often, yes. We compare across non-bank and specialist lenders who take a different view on income, trading history or credit than the main banks.
How much trading history do I need for business finance?
It varies by lender. Some non-bank options work with as little as 6-12 months trading history, others want two years or more. We'll match you to a lender that fits your situation.