Confidential Finance Assessment

Business Line of Credit for New Zealand Businesses

A business line of credit provides ongoing access to working capital that can be drawn down and repaid as needed. It’s commonly used by established New Zealand businesses to manage short-term cashflow gaps, cover operating expenses, or respond to unexpected costs without taking out a new loan each time. Credit limits are typically assessed based on business revenue, trading history, and cashflow performance, making a line of credit suitable for businesses that need flexibility without long-term commitments or property security.

Who is a Business Line of Credit suitable for?

Established New Zealand businesses and SMEs

NZ limited companies, partnerships, and sole traders

Businesses experiencing short-term cashflow timing gaps

Businesses seeking temporary funding, not long-term capital

Established SMEs requiring working capital without property security

A revolving business line of credit for established New Zealand businesses, assessed on revenue and trading performance rather than property security.

How the process works

Eligibility Check

First, lets see if we're able to help.

Feasibility Review

We make sure all the numbers stack up. No financials, only bank statements.

Funding Structured

Once approved, we structure your funding to suit your needs then we pay!

Fundme is a New Zealand based commercial finance brokerage working with a range of specialist lenders. We help established businesses navigate short term funding and cashflow challenges. All enquiries are assessed confidentially.