Type of loans
1.Term Loans
Ideal for one-off investments like buying equipment or expanding premises. Fixed repayments over 1–5 years make budgeting easier.
2.Working Capital Loans
Perfect for short-term needs — covering slow months, supplier payments, or unexpected costs. Usually repaid within 6–18 months.
3.Revolving Credit / Overdraft
A flexible option that gives you access to funds when needed. You only pay interest on what you use.
4.Invoice Financing
If clients take 30–60 days to pay, invoice financing lets you access up to 90% of the invoice value upfront. Great for trades, logistics, or service businesses.
5.Equipment Finance
Borrow against vehicles, tools, or machinery. Often secured against the asset itself, reducing risk.
6.Merchant Cash Advance
Repay as a percentage of daily card sales — good for retail and hospitality with fluctuating income.
Choosing What’s Right
Ask: What’s the purpose? How fast will it generate returns? And can I comfortably handle repayments even if sales dip?
NZ Insight
According to MBIE, 96% of NZ business lending is still provided by major banks, meaning flexibility is limited. That’s where specialist lenders like Line Capital offer tailored support.
