Flexible Unsecured Funding
NZ Small Business Finance
Lend upto $500,000
Flexible Business Loans
Flexi Term Lending
6 - 24 Months with redraw capabiity
Any business purpose
Early payment ability
Asset And Vehicle Finance
Fixed Term Lending
6 - 60 Months term and balloon payment
Any equipment or vehicles
No financials required
Lend upto $250,000
Business Working Capital
Fast Online Lending
Paperless application process
Electronic bank statement assesment
Loan completion often within 24hrs
Your UP Capital Small Business Loan Experience is Stress Free and Efficiently Delivered From Start to Finish.
Your time is precious and our technology driven systems ensure none is wasted. Apply within minutes including UP Capital ID verification and bank statement connectivity.
With Bank lending rules and restrictions getting more complicated and painful why should you wait weeks for a decision when you can have one the same day?
Payment Within 24 Hours
Your Working Capital or Business Loan is vital to you so we use digital documentation to deliver your funds over within 24 hours, letting you concentrate on your project or contract.
Why UP Capital?
Here are 4 quick reasons to get your Business Loan from us
Rapidly Quick Process
✅ No painful waiting for an approval with Up Capital
All credit ratings
✅ Business Or Personal Credit Issues Have Minimal Effect
Simple and hassle free
✅ Electronic signature Loan docs make it super easy
No Security Needed
✅ UP Business Loans Do Not Typically Require Security
New Zealand small business
working capital funds
grow and prosper
Frequently Asked Questions
What can I use the loan for?
Our customers use their funding for many reasons and they include purchase of new equipment or machinery, additional vehicles, stock or merchandise even one off advertising campaigns. Once approved you can use the typically unsecured working capital how you see fit.
How long do I need to have been trading?
We do not fund brand new start ups unfortunately, just active businesses than can show at least 6 months bank account activity.If you already own an existing business and are opening a new location or division then this would be fine.
How are the repayments calculated?
Your application will carry a risk profile related to both your business and industry you operate in. Interest rates will be one of several monthly tiers, with the interest capitalised upfront and added to the loan amount. Previous credit problems will also usually result in a higher risk so will be scored accordingly.
Do I need security to get approved?
Both Business and Working Capital Loans are unsecured as they are not typically attached to an asset. If you are looking to purchase a vehicle or some forms of equipment then the Interest rate provided would be reduced if security is applied to the items.