Business loans for New Zealand businesses
Running a business in New Zealand takes more than a great idea. Sometimes you need access to capital quickly, whether that's to cover a short-term cash flow gap, purchase stock ahead of a busy season, invest in equipment, or fund the next stage of growth. A business loan gives you the working capital to keep moving.
Armstrong's Finance is a registered credit broker. We work with a panel of business lenders to find the most suitable loan for your situation. Whether you're a sole trader working from home or a growing business with a team behind you, we compare options and find what best fits your needs.
What can you use a business loan for?
Business loans through Armstrong's Finance can be used for a wide range of purposes, including:
Why businesses choose Armstrong's Finance
We compare lenders for you
We search across our lender panel, so you don't have to. You get the option we consider most suitable for your business, not just whichever lender you happened to walk into.
Flexible terms
Repayment terms and schedules can be tailored to your business cash flow. Choose weekly, fortnightly, or monthly repayments to suit how your business operates.
Fast turnaround
Apply online in minutes. If approved, funds can be available the same day. We understand that businesses often can't afford to wait. Subject to responsible lending criteria and lender assessment.
Sole traders welcome
You don't need to be a registered company to apply. We work with sole traders, partnerships, and businesses of all structures.
Simple by design
How it works
Getting a business loan through Armstrong's Finance is straightforward. Here's how it goes:
Get a quick quote
Use our online quote tool to see estimated repayments in minutes. It's obligation-free and won't affect your credit score.
Submit your application
Complete your application online. We'll ask for basic details about your business, proof of income or financials, and your ID. Our team is here if you have questions along the way.
We compare lenders for you
We review your application and compare options across our lender panel to find the most suitable option for your situation, and present it to you clearly with all fees and costs included.
Funds to your account
Once approved and all documentation is in order, funds are transferred directly to your business bank account. Same-day funding may be available, subject to responsible lending criteria and lender assessment.
Am I eligible?
Armstrong's Finance business loans are available to a broad range of New Zealand businesses and business owners. We assess every application individually and look at your full picture, not just your credit score.
To be eligible for a business loan, you'll need to:
Ready when you are
Apply in minutes. Know your options today.
No obligation. Just a clear picture of what's available to you.
No obligation. Just a clear picture of what's available to you.
Loan information
Armstrong's Finance Limited (FSP1012153) is registered on the Financial Service Providers Register (FSPR) and holds a Class 2 Financial Advice Provider licence and is authorised to provide regulated financial advice services in accordance with the Financial Markets Conduct Act 2013. Armstrong's Finance Limited acts as a finance broker and does not directly provide credit. All lending is provided by third-party lenders on our lender panel.
Remuneration: Armstrong's Finance Limited is remunerated by way of commission paid by lenders. The amount of commission varies between lenders and products. Armstrong's Finance Limited may receive different commission rates from different lenders. We manage this conflict by recommending products based on your individual needs and circumstances rather than the level of commission received. Full details are set out in our Disclosure Statement, which is available on our website and on request free of charge.
Lending criteria apply. All applications are subject to credit assessment, responsible lending inquiries, and individual lender eligibility criteria in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Responsible Lending Code (revised July 2024). Interest rates range from 7.95% p.a. to 29.95% p.a. Rates are variable unless otherwise stated, are subject to change, and are based on individual credit assessment. Establishment fees vary between $0.00 and $2,500 depending on the type of loan arrangement, and are included in your loan structure and repayments.
Dispute resolution: If you have a complaint that we are unable to resolve, you may refer it to Financial Services Complaints Ltd (FSCL), our approved dispute resolution scheme. This service is free of charge. Contact details are available in our Disclosure Statement and on our Complaints page.
Financial hardship: If you are experiencing financial hardship, you may be entitled to apply for a hardship variation under the CCCFA. Please contact us as soon as possible. See our Financial Hardship page for more information.
Your personal information is collected and held in accordance with the Privacy Act 2020. Please refer to our Privacy Policy for details of how we collect, use, and store your information.