For NZ SMEs that need cashflow now — not in six weeks. Indicative rate in 60 seconds. Funding possible in 24 hours. No property security required up to $150K.
Thanks. A Fundme broker will be in touch within one business day.
Your situation needs a conversation rather than a calculator. Drop your details and we'll come back within one business day.
A Fundme broker will be in touch within one business day to walk you through your options.
What We Fund
Cashflow, growth, opportunity. The kind of capital that gets your next month sorted, your next contract delivered, your next move made.
Products
Pick the structure that fits the job. Lump sum for known one-off needs, line of credit for ongoing access, or a larger facility for bigger plans.
How It Works
Three quick steps to indicative rate. Application, decision, and funding can all happen the same day for eligible applicants.
Four quick questions. No credit check, no contact details required to see your rate.
Provide your business details. We arrange access to 6 months of bank statements securely. No manual upload required for most cases.
Same-day decision typical. Funds in your account within 24 hours of approval. No surprises, no hidden fees.
Weekly repayments by direct debit. Lines of credit renew on a 24-month cycle. Early payout options available for term loans.
Industry Promotions
Healthcare, childcare, and professional services businesses currently qualify for promotional rates under panel lender programmes. Standard eligibility criteria apply (3+ years trading, $55K+ monthly turnover, clean credit).
FAQs
ASR (Annual Simple Rate) is an estimated headline rate, useful for comparison. APR (Annual Percentage Rate) is what's actually charged on a daily basis. Your final APR will be confirmed in your loan offer. Rates shown by our rate finder are ASR — indicative, not the precise final rate.
No, not for facilities up to $150K. Above that, at least one director needs to be asset-backed (own property with usable equity). For amounts above $300K, an upfront caveat may be required. PPSR registration over business assets applies above $150K.
Funding within 24 hours of approval is typical. The full process — application to settled funds — is often complete inside 48 hours. Express path lending is available for amounts up to $500K with reduced documentation for eligible businesses.
For amounts under $100K: completed application form and 6 months business bank statements (we'll arrange secure access — no manual upload). For $100K+: also IRD Portal access. For $150K+: at least one director must be asset-backed. Larger amounts may require additional financial statements.
Credit issues don't automatically disqualify you. We have specialist programmes that consider defaults, tax debt under arrangement, and businesses outside standard criteria. The rate finder routes these to a callback rather than showing a rate — we'll talk through what's possible.
You're approved for a facility limit (e.g. $50K). You can draw down some or all of it as needed. You only pay interest on the funds you've drawn, plus a small weekly service fee on the facility limit. Repayments are weekly. Funds repaid become available to redraw during the 24-month term.
No. Fundme is a credit broker (FSP1005055). We arrange unsecured business loans through a panel of NZ-licensed lenders. The loan agreement is between you and the lender. Our role is matching your application to the right lender, negotiating terms, and walking you through the process.
Term loans typically include an origination fee (3-4% of the loan amount) which is built into the loan structure. Lines of credit have a $0 origination fee but charge a weekly service fee of approximately 0.046% of the facility limit. All fees are disclosed upfront in your loan offer — no hidden charges.
60 seconds. No credit check. No contact required.