We manage the financing, so you can manage
your business

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NOW ACCEPTING APPLICATIONS UNDER THE
BUSINESS FINANCE GUARANTEE SCHEME

Business Finance Guarantee loans can help small and medium businesses access credit for cashflow, capital assets and projects related to, responding to or recovering from the impacts of COVID-19. You can apply for Business Finance Guarantee loans until 30 June 2021.

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Unsecured Business Loans
up to $500k over up to 5-years

Only pay interest on what
you borrow, when you borrow it

NO early repayment fees
or penalty interest

Decisions within 24 hours, no obligations

How to apply

Sign up with us

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.

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.

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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