New Zealand business funding, on the clock
What can happen for your business in the next 24 hours?
An honest, hour-by-hour look at what can happen when your business needs money fast — and how to be ready for it. Business loans from $20,000 to $5,000,000.
- No credit check to enquire
- Not sprayed to other lenders
- A real person calls you
A fast decision, hour by hour
- 0hr60-second enquiryAmount, purpose, deadline, property. No credit check.
- 1–3hrA real person callsAn honest view on whether 24 hours is realistic.
- 3–8hrDocuments and checksStatements, ID, Companies Register, title if secured.
- 8–16hrDecisionIndicative, then conditional approval in writing.
- 16–24hrFunds releasedConditions cleared, documents signed, money paid.
Speeds are possible, not promised — they depend on how ready your information is. See the full 24-hour process →
No credit check to enquire
Asking what the next 24 hours could look like leaves your credit file untouched. A credit check is only discussed once you choose to proceed.
Not sprayed to a crowd
Your enquiry isn't fired off to a list of lenders. One team reads it and works out the right fit, so your phone stays quiet.
A real person on the clock
A specialist reads what you sent and calls you. Honest, accurate answers on the form mean the first option we discuss is the right one.
Realistic speeds
What 24 hours can actually do
These are the honest ranges for a well-prepared New Zealand business. Every one depends on clean documents, a clear purpose and signers who are available.
Smaller unsecured amounts
Decided mainly on bank statements. No valuation, rarely lawyers.
Read more → Same day possible$20k – $250k, property-secured
Clean title, clear value, signers ready.
Read more → 24–48 hours possibleUp to $5m, property-secured
Valuation and lawyers set the pace; settlement on a business day.
Read more → Minutes to drawLine of credit, once open
Set it up while things are calm, draw on it when they aren't.
Read more →Business purposes only. Interest rates aren't published — every loan is priced on the business's own circumstances.
Explore
Everything between enquiry and funding
Four ways in: how the process works, how to get ready, which loan moves fastest, and what to do when it has to happen tomorrow.
The 24-hour funding process, hour by hour
What happens between your enquiry and the money landing — the calls, checks, valuations, lawyers and payment cut-offs — and where the hours usually go.
All the 24-hour process pages →Get ready for a fast lending decision
The documents, registers and numbers a lender checks first. Get these straight and a 24-hour decision becomes realistic.
All get ready pages →Fast business funding options by loan type
Every common way to fund a New Zealand business — and how quickly each one can realistically move when the clock is running.
All loan types pages →When the money has to be there tomorrow
Payroll on Thursday, a demand letter, a settlement date that won't move. What you can do in the next 24 hours, and what funding can realistically cover.
- Payroll due this week
- IRD deduction notice
- Statutory demand
- Mortgagee sale notice
- Supplier deposit or stock deal
Speeds it up · slows it down
The difference between 24 hours and a week
Most lost time isn't the lender's. It's information that arrives late or turns out different from the form. Here's the short version.
Speeds it up
- Six months of statements for every account, exported as PDFs
- Current ID for every director, trustee and guarantor
- A myIR summary showing returns filed and any arrangement
- A clean title, a conservative value and your lawyer on standby
- Two sentences on what the money is for and how it's repaid
Slows it down
- Turnover on the form that doesn't match the statements
- Tax debt or other lenders that weren't mentioned
- An overdue annual return or an old director still listed
- A caveat or second mortgage nobody knew about
- A co-owner who can't sign until next week
When it can't wait
Situations where tomorrow matters
Payroll on Thursday, a deduction notice, a statutory demand or a settlement date that won't move. What to do in the first 24 hours.
Payroll due this week
Short on wages this week? What NZ employers can do in the next 24 hours — PAYE and KiwiSaver timing, and fast funding that can land in time.
What to do →IRD deduction notice
Inland Revenue has sent a deduction notice to your bank? What it means for your account, who to call first and how fast funding can clear the debt.
What to do →Statutory demand
A statutory demand gives an NZ company 15 working days to pay, settle or secure the debt. What to do in the first 24 hours, and how fast funding can help.
What to do →Mortgagee sale notice
Received a Property Law Act notice? You have at least 20 working days to remedy the default. How fast refinancing works and what to do in the first 24 hours.
What to do →Supplier deposit or stock deal
A bulk-buy discount, a container deposit or a supplier demanding payment before shipping? How NZ businesses can fund a stock opportunity within 24 hours.
What to do →Equipment breakdown
When a key machine, vehicle or chiller fails, every hour costs money. How NZ businesses fund an urgent repair or replacement within 24 hours, step by step.
What to do →Settlement date at risk
Buying a business or premises and the money won't be ready by settlement? What NZ buyers can do in the next 24 hours, and how fast funding can save the date.
What to do →Guides
Plan before the clock starts
GST dates, provisional tax, KiwiSaver step-ups and the summer shutdown — the predictable crunches, planned for.
Build a 24-Hour Funding Pack Before You Need It
A one-evening project that can save your business days when cash gets tight: the 24-hour funding pack every NZ owner should keep ready and how to maintain it.
Read the guide → Tax and cash flowGST Due Dates NZ: A Cash Buffer Plan That Works
GST due dates for NZ businesses, how filing frequency changes your cash flow, and a simple set-aside method so the next GST payment never becomes a crisis.
Read the guide → Tax and cash flowProvisional Tax NZ: Cash Planning So It Never Bites
Who pays provisional tax in NZ, the standard instalment dates for a March balance date, the four calculation options and a practical plan to fund each one.
Read the guide →FAQ
Straight answers
Can a New Zealand business really get funding within 24 hours?
It's possible, not guaranteed. Same-day funding is possible for smaller unsecured amounts, property-secured loans of $20k to $250k are possible same day, and up to $5m is possible within 24 to 48 hours when documents are ready and the title is clean.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've seen your options and decided to go ahead.
Will my details be sent to lots of lenders?
No. Your enquiry is read by one team, and a real person calls you. We don't spray your details around a list of lenders, so your phone won't light up with strangers.
How much can I borrow?
Property-secured business loans run from $20,000 to $5,000,000. Unsecured and cash-flow options for trading businesses are typically $5,000 to $500,000, depending on turnover.
Can I get a business loan with IRD debt or bad credit?
Both are considered case by case. Many fast loans are used to clear IRD debt, often paid directly to Inland Revenue. Property security usually helps most.
What documents do I need for a fast decision?
Usually six months of statements for every business account, current ID for each director and guarantor, your Companies Register details, a myIR summary and, for secured loans, property title details.
Do you publish interest rates?
No. Every loan is priced on the business's own circumstances. A specialist explains the full cost before you commit to anything.
Is it only for business purposes?
Yes. We help with finance for business purposes only — not personal or household borrowing.
Your next 24 hours start with one minute
Tell us the amount, the purpose and the deadline. No credit check when you first enquire, your details stay with one team, and a real person calls you with an honest answer on timing.
No credit check to enquire
Not sprayed to a crowd
A real person on the clock