About us
Built for the night before the deadline
We help New Zealand business owners work out what's realistically possible in the next 24 hours — and get them ready to make it happen.
Most business owners don't search for finance on a calm Tuesday morning. They search late at night, after the supplier's email, the Inland Revenue letter or the payroll report that didn't add up. 24 Hour Finance NZ exists for that moment. We focus on one honest question: what can actually happen for your business in the next 24 hours, and what would it take?
Who we help
We work with New Zealand businesses of every shape — sole traders, partnerships, companies and trusts — across trades, hospitality, retail, transport, manufacturing, professional services, agriculture and more. If the money is for a genuine business purpose, we want to understand the situation.
- Property-secured business loans from $20,000 to $5,000,000, using first mortgages, second mortgages or caveat-style security over residential or commercial property.
- Unsecured and cash-flow options for trading businesses, typically $5,000 to $500,000.
- Past credit issues and IRD debt considered case by case.
- Business purposes only.
Why "24 hours"?
Because time is usually the real problem. A supplier will stop supply on Friday. A settlement can't move. A statutory demand has 15 working days on the clock. So we explain speed in hours, not slogans: what's possible the same day, what's possible within 24 to 48 hours, and what tends to slow things down. Speeds are always "possible", never promised — they depend on how ready your information is, which is why so much of this site is about getting ready.
The promises we make
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.
In plain terms: there's no credit check when you first enquire. Your details aren't sprayed out to a pile of lenders — no lead farming, no phone that rings off the hook. A real person reads your enquiry and works on your situation. And we ask one thing in return: please fill in the form accurately, so we can match you to the right option the first time.
How we work
- You tell us what you need in a 60-second enquiry.
- A specialist calls you, checks the figures and tells you honestly whether your deadline is realistic.
- We ask for exactly the right documents — no more than needed.
- You get a decision, explained in plain English, including the full cost before you commit.
We don't publish interest rates, because every loan is priced on the business's own circumstances. We'll always explain the cost clearly once we understand what you need.
How we write this site
Every page is researched against official New Zealand sources — Inland Revenue, business.govt.nz, the Companies Office, LINZ, Employment New Zealand and others — and written in plain English. Read our editorial policy for how we check facts and keep pages current.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
Not sprayed to a crowd
A real person on the clock