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Lending people opportunities

Embrace opportunities with Business Loans up to $300,000

Excellent - Based on 1375 reviews

Let's make business a breeze

Do more with a business loan from Lending People. Flexible line of credit or term loans from $10,000 to $500,000. It all starts with an online application taking under 5 minutes.

Get Started

Get fast decisions and expert advice.

You will usually receive a decision on your application in 24 hours and be assigned a dedicated adviser to assist you throughout the process.

No security required.

Your business loan will be unsecured if you meet our criteria and want to borrow less than $100,000.

Put your feet up. We've got this.

Our digital platform and advisers do all the hard work to help find you the best possible terms and interest rates across a range of trusted lenders throughout NZ.

Lending people opportunities in three simple steps

Our application process provides faster decisions, greater transparency, and the freedom to interact with our advisers on your terms.



Apply online. Our digital platform will assess the information provided and approve, decline, or refer your application in under 60 seconds.



Follow your applications' progress in real-time, complete any tasks, and chat with your dedicated adviser using your online dashboard.



Read, accept, and sign your loan documents electronically on any device. The lender will then transfer funds into your bank account overnight.

Get a leg up on growth.

Take this opportunity and raise working capital to expand your product range, hire new staff, give your customers a better experience, rejuvenate your marketing, and much more.

Apply for A Business Loan Now

What you will need to get started:

  • Be at least 21 years old
  • A current driver's licence or passport
  • Monthly turnover of more than $6,000
  • Six months trading history

We have relationships with a large network of lenders

Looking for a little more help?

You do not require security for loans up to $100,000. However, you will need to provide a personal guarantee. For loans of over $100,000, the provider may require security over tangible assets.

  • You only borrow and pay interest on the funds you need.
  • All lines of credit are unsecured.
  • Low doc with no financials required up to $150,000
  • You can repay early without being charged any penalties.
  • There is no cost to set up a line of credit because you only pay when you drawdown.
  • No property or asset security

Coming Soon...

Business Loans are coming soon to lending people!

  • Guides & Insights
  • Rates Comparison
  • Home Loan Calculator
  • Personal Loan Calculator


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¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you are an existing customer who has previously entered into a personal loan that we arranged on your behalf; or you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 6.95% p.a. to a maximum of 26.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 7.80% p.a. to a maximum of 27.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principal, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.