Small Business Loan NZ
Get a supportive business loan NZ wide with Crester Credit. Whether you’re an established business looking to fund new equipment through asset finance, or if you’re looking for temporary cashflow relief, Crester’s business lending can be your long-term finance partner ready to assist. Crester Credit can provide fixed rate commercial finance without the hassle that comes with applying for a commercial loan from a bank. Before you apply online, try our business loan calculator to see indicative loan repayment values, and remember, our business interest rates are between 9.95% and 26.98%.
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We make it easy for you
Money in your account within 24 hours of approval. Start by using our business loan calculator. It’s far easier than lodging an application with a bank.
Low Interest Rates
Crester enjoys working with businesses, the heart of NZ’s economy. We offer business finance at rates between 9.95% and 26.98%. Full disclosure statements of our fees and rates can be viewed here.
No Red Tape
When it comes to loans for businesses, we don’t have levels of bureaucracy and we don’t make you jump through hoops of unnecessary information.
Super fast –
Money in your
account
just 24 hours
Business Loan Calculator
Use our New Zealand online finance calculator to determine the repayments your business can afford and the maximum amount you can borrow. Remember to factor in making a deposit, on the item your business needs to purchase, and we then spread the remaining amount owed across up to 36 months in a secured loan term, unless arranged otherwise with a lump sum early repayment.
Choose your term
Repayment Details
1 YEAR
Your approximate weekly payment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Your data is secure
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Trusted by
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Our customer rating
4.6/5
Rates
With Crester, you can repay your loan over a term of up to 36 months, with flexible weekly or monthly repayments to suit your budget. Our interest rates range between 9.95% and 26.98% p.a., depending on factors like your credit profile, loan purpose, and selected term. For a full breakdown including early repayment options, default interest, and establishment fees, please refer to our Rates and Fees page.
Terms
Before applying with Crester, please take a moment to review our terms and conditions. When you apply, you’re agreeing to let us collect and securely store your personal details. We aim to ensure all information on our site is current and accurate. If anything seems off, get in touch in writing and we’ll work to correct it. Crester follows New Zealand’s Responsible Lending Code.
Fees
Your personal data is protected with end-to-end encryption on all Crester web forms, ensuring your details remain secure throughout the loan process. We manage all client information with strict confidentiality, using robust security measures to guard against unauthorised access. Crester also complies fully with New Zealand’s privacy laws. For more information, see our Privacy Policy.
Business lending NZ
A line of credit you can rely on
We’ll offer you a business loan, NZ style. This means fewer hurdles to jump, and a personal relationship that you can rely on. A business loan NZ style means you can pick up the phone and get approval in minutes, assuming we’ve worked with you before and you’ve been in business for more than 2 years. You can use Crester Credit for cash flow assistance, new equipment or servicing, new business assets, or an IRD invoice that you didn’t anticipate. We can tailor interest rates between 9.95% and 26.98% to assist you with your business finances. Of course, we can help entrepreneurs by making personal loans particularly easy too, once we’ve formed a healthy relationship.
How to apply for a business loan?
Avoid the time-consuming red tape and bureaucracy of other lenders and banks and apply in 6 minutes online. Crester keeps it simple and personal. We aim to have your commercial loan transferred into your account within just 24 hours of approval.
We provide finance to businesses of any size NZ-wide, whether you’re a start-up or looking to expand. Either way, we’re excited to be part of your journey and provide commercial finance at fair and realistic interest rates. Apply now.
Custom Commercial Loans
Commercial loans from Crester can be customised for your situation. We can make flexible repayment plans and low-interest rates on business finance. Our loans for businesses range from $800.00 up to $80,000.00+. We do ask for a form of security, such as vehicles, property, business equipment and other assets. We keep it simple and want you to be a happy, repeat customer assuming our lending criteria is satisfied. If you’d like to borrow more than $80,000 New Zealand dollars, this requires a personal discussion and assessment. We often lend large sums for bridging finance, property purchases, equipment finance and joint ventures.
Business finance Crester helps with:
Business equipment
Business finance is often needed for equipment to improve your efficiency. We love helping Kiwi businesses achieve growth.
Farm machinery
Farm machinery is a common request for business finance also. Let us help you increase productivity with a short term commercial loan.
Office furniture
New office furniture can easily be in excess of $10,000, so if you’d like to spread this payment across a term to help cash flow, we’re here to help.
Shop fittings
Along with new furniture, you might also want to paint the walls, knock out walls, add dividers. Either way, small business funding can help you manage cash flow.
Website builds
If a website is older than four years, it’s old technology. Think about an iPhone. If it’s four years old, it doesn’t work correctly. Need a hand?? We like to help businesses grow.
Expansion plans
Opening a new office? Taking on more staff to grow? Discuss your expansion plans with us one-on-one with our director. We love to partner with clever businesspeople.
Work vehicles
We often help with car finance for businesses because our fees are often far less than the payments you’ll have to make when negotiating with a dealer.
Bridging Finance
If you’re purchasing equipment or property for business and you need a short-term cash injection. We’ll happily discuss this with you. There’s often a way.
Handy Tips
- Crester offers all sorts of commercial loans, including asset finance, venture capital & more.
- If you need seed funding, we’d love to hear from you, assuming you have a solid business plan.
- Keep loans separate from consumable suppliers, so you can keep your operations running.
- Wondering how to apply for a business loan without a mountain of effort? Start with our 6 minute online application.
What your loan really costs
No surprises. Here’s the full picture before you apply:
- Interest rate: between 9.95% and 26.98% p.a., personalised to your situation and fixed for the life of your loan.
- Establishment fee: between $135 and $995 depending on your loan size, charged once at the start.
- Administration fee: $10, plus $5 for each additional borrower.
- Repaying early: a $65 administration charge applies, plus any prepayment charge as calculated under the regulations.
Every fee we charge is published on our loan interest rates and fees page, and your loan contract shows your exact rate, fees and total repayments before you sign. For a personalised repayment estimate, use the calculator above.
Real people, start to finish. Talk to the same friendly team from application to payout. Meet the Crester team
APPLY NOW, DECISIONS USUALLY NEXT BUSINESS DAY
Our business loan NZ application form is your fast finance solution
Frequently Asked Questions
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Applying for a business loan starts with filling out our online application form. This takes approximately 6 minutes to complete and will give us base information to discuss things further with you. You can attach a profit & loss report to the application, or if you’d prefer, you can call us for a confidential discussion.
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Firstly, you’re going to need to provide some form of security, such as stock, or a personal asset like a car or a house. If you have none of these, but you’re trading strong, you’ve projected growth and you’re happy to explain this, then it’s best you visit us, or ask to arrange a video call with one of our senior lenders. Have your balance sheet and profit and loss presented in a tidy fashion, allowing comparisons between your COGS, versus relevant income lines. Present any client contracts you have, ensure everything is coded accurately and be ready to answer hard questions that might not be as optimistic as your projections.
Commercial finance questions? Ask our lending team.
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We do our best to respond to our business clients, almost immediately. In the meantime, fell free to review our commonly asked questions and answers about our loan terms and conditions. We’ve included detail about establishment fees, annual interest rates, early settlement options, finance rates, the responsible lending code of New Zealand, and the online application process. Please connect with us if you’d like to discuss your finance requirements in more detail.
FAQ