Business Guides

If you want business finance but are not sure where to begin, we've done the work for you. See the key points summarised for each lender, what they provide and how to get an application under way, read on!

Ready to take your business to the next level? Whether you're a startup sensation, up-and-coming enterprise or an established powerhouse, we'll dive into some of the most effective strategies for expanding your business — big or small.

Business owners across New Zealand are looking for ways to cope with the challenges of inflation. We look at some practical strategies you can implement to help ease the impact of inflation on your business.

If your business is expanding or you’re finding it difficult to provide the level of service your customers need (or enough of your product), then hiring more staff may be an option worth exploring. But there are some important things to consider when making this decision.

Being a business owner is exciting because there’s so much potential for positive outcomes. But there’s also the risk that negative things may arise from time to time. Business insurance is an important risk management strategy for business owners that can help to minimise or eliminate the financial impact of a diverse range of business risks. Read on to find out everything you need to know about the different types of business insurance available, including answers to FAQs.

Working capital is commercial, financial jargon that is crucial to the success of your business. It’s an important concept for you to understand and monitor to help you run your business. We discuss everything you need to know about working capital and the level required to set you up for commercial success.

MTF Finance puts the human touch back into lending. Expert local support and speedy approval processes are the foundation of their face-to-face service. With over 50 years of experience and 51 offices nationwide, they offer tailored loan and lease solutions for both individuals and businesses.

A business line of credit is a flexible, short-term finance option that allows you to borrow up to a pre-set credit limit whenever you need to access cash. You only pay interest on the money drawn down rather than the total credit limit, so it might be a cost-effective way to manage cash flow constraints for your business. Many small business owners use lines of credit to ensure they have the cash flow to pay all their bills and expenses on time. Read on to find out everything you need to know about business credit lines, including answers to FAQs.

It’s no secret that the years of COVID-19 restrictions and lockdowns were tough for many New Zealand businesses, just like they were for many businesses all around the world. If your business struggled, you might be looking to bounce back now that life is back to normal (a post-COVID-19 normal anyway). Read on to find out everything you need to know about government financial support schemes available, as well as other non-government financial support options.

Propsa is an award-winning lending specialist for New Zealand small businesses. Prospa makes business loans easy with a streamlined application, minimal documentation, and no security asset required upfront for combined loans up to $150k. Quick approvals and fast turnaround times mean funding can be available within 24 hours. Loan repayment options are flexible too; with the option of weekly or fortnightly repayments.