Unsecured Business Loans up to $500k

Loan Terms up to 5 years

No early repayment fees

Decisions within 24 hours

Monthly Repayment

$14,951

  • Amount
    $ 125,000
  • Time
    6 months
For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.
  • Amount
    $ 125,000
  • Time
    6 months

$14,951

Monthly Repayment

For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

How to apply

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Sign up with us

Register online to get your loan application started. Begin now and you could be done in less than five minutes.
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Complete your application

We guide you through the steps needed to give us the accounting and banking information we need, along with the necessary personal and business data.
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Get approval

Once approved, you can access your business loan within one working day. Then you can start drawing down finance as you need it.

Do I qualify for a Zip Business loan?

We lend to businesses with great potential, whether you’ve been trading for just 18 months or 18 years. Our unique, proprietary credit algorithm gives us deep insight into the financial condition of your business. Your application will be assessed within 24 hours of being received.

You can apply if you meet our minimum criteria:

Your business is registered and operates in New Zealand

Your turnover was at least $200k in the last year

You’ve been trading for at least 18 months

You have a New Zealand online bank account

Contact Us