Working capital
Cover the everyday timing gaps between outgoing costs and incoming revenue.
Learn moreFunding that fits the way your business works.
SimplyFunded offers unsecured business loans in NZ for working capital, cash flow gaps, stock and growth, assessed around your trading and funding purpose.
Check EligibilityUnsecured business loans NZ for a clear business reason.
SimplyFunded offers unsecured business loans NZ businesses can use for a specific commercial need, from managing cash flow gaps and buying stock to covering supplier costs or supporting growth. We help you think through the amount, timing and purpose before you take the next step. A clear request and recent trading context help show how the funding fits your business and repayment capacity.
Explore your optionsA straightforward assessment
We look at the whole picture.
Recent trading, revenue, the purpose of the request and how the funding fits your ordinary cash flow all help build a clearer picture of your business.
Clear funding purpose
Recent trading context
Repayment fit considered
Before you
apply.
A little preparation makes the conversation more useful and helps us assess the request in context.
List the real costs
Start with the supplier, wage, stock or growth costs the funding will support.
Set a sensible amount
Match the request to the commercial need rather than simply asking for the maximum.
Bring the context
Recent statements and a clear explanation help us understand unusual trading periods.
A clear place to start
Let's get your
business moving.
Tell us a little about your business and what you're working towards. It only takes a minute to check your options.
Start your applicationBuilt for business needsFunding for your business needs.
Access $5,000 to $200,000 fundingSubject to assessment.
Apply in Minutes onlineNo obligation to explore your options.
Questions,
answered.
What are Simply Funded unsecured business loans in New Zealand?+
Simply Funded unsecured business loans are business finance products that do not use property as the core security for the application. Assessment focuses on the New Zealand business, its trading and affordability.
How can Simply Funded funding help a New Zealand business manage cash flow?+
Simply Funded funding can help a New Zealand business manage timing gaps between outgoing costs and incoming revenue, including supplier invoices, wages and other working-capital needs.
What is the difference between working-capital and growth funding from Simply Funded?+
Simply Funded working-capital funding helps manage everyday cash-flow timing, while growth funding supports opportunities such as stock, equipment, marketing or expansion.
How does Simply Funded assess whether funding fits a New Zealand business's repayments?+
Simply Funded considers recent trading, revenue, the requested amount, the funding purpose and the business's ordinary cash flow when assessing whether repayments fit.
How does Simply Funded's unsecured funding work without property security?+
Simply Funded's unsecured funding is assessed around the New Zealand business, its trading and affordability rather than using property as the core security for the application.
Can a New Zealand business use Simply Funded working-capital and growth funding together?+
A New Zealand business can discuss whether a combined working-capital and growth funding request fits its commercial needs, trading position and repayment capacity.