Buying a franchise or launching a new business? We arrange funding without requiring years of trading history. What lenders want to see is a credible business plan, realistic forecasts, and your own money committed alongside theirs.
Two Products. One Page.
Both sit on the same product. The requirements are similar and the lender assessment follows the same framework. The key difference is what documentation you bring.
Franchise Types We Fund
Recurring revenue is what lenders want to see. A cleaning franchise with contracted commercial clients or a lawn care round with regular customers has a predictable income profile — and that makes for a stronger loan application.
Commercial and residential cleaning operations. Contracted clients mean predictable, recurring revenue — exactly what lenders want to see from a new business.
Regular residential and commercial lawn and garden rounds. Strong repeat client base with seasonal predictability across NZ's climate.
Plumbing, electrical, painting, pest control, and other trade franchises operating under an established brand with set service territories.
Food service, café, and hospitality franchise systems. Proven brand and operational model provides lender confidence in the income forecast.
Mobile services, childcare, fitness, education, and other service franchise models with a strong franchisor behind them.
Not buying a franchise — launching your own thing? We assess new business applications on the strength of your plan, forecasts, and equity contribution.
What Lenders Need
This isn't a low-doc product. Lenders need to see that you've done the work. The good news is none of it requires property — just preparation.
Standard application form with ID documents.
Recent bank statements to verify your financial position and equity contribution.
A credible plan covering your business model, target market, operations, and growth strategy.
Projected profit and loss, cashflow, and balance sheet for the first two years of operation.
Provided by the franchisor as part of the franchise disclosure process. Required for lender assessment.
Standard application form with ID documents.
Recent bank statements to verify your financial position and equity contribution.
Your business plan carries more weight here than in a franchise application — it's the primary evidence of viability. Make it thorough.
Month-by-month projected cashflow, revenue, and expenses. Realistic is better than optimistic.
You need to contribute at least 20% of the total funding required from your own funds. This shows lenders you have genuine commitment and reduces their exposure.
How It Works
Tell us about the business you're looking to buy or start. We confirm whether the deal fits our lender panel before you spend time preparing documents.
Business plan, financial forecasts, bank statements, and the franchisor's Information Memorandum where applicable. We guide you through what's needed.
We review your application, package it correctly, and submit to the appropriate lender. We negotiate on your behalf and manage communication throughout.
Once approved, funds are settled and you're in business. The loan is secured against the business assets — no property required.
Approval subject to lender assessment, credit profile, and quality of business plan and forecasts. Business assets secure the loan. Personal guarantees required. All borrowers recommended to seek independent legal and financial advice.
FAQ
Whether you're buying a franchise or launching your own business, check eligibility and we'll tell you honestly whether your deal is fundable and what you need to make it happen.
Check eligibility in under 2 minutes. No credit check — just an honest conversation about whether your deal is fundable.