Working capital
Stock, wages, and a season that arrives before the invoices do. The loan has to fit the cash cycle, not a generic term.
Business lending
Working capital, equipment, and cash-flow finance for New Zealand SMEs — including when the bank will not play ball.
SME finance
The loan is for the business, not the building
Business lending in New Zealand is money for a business that is trading: stock, plant, wages, or a gap in the cash cycle. Buying the workshop, the office, or a commercial investment is a different loan.
Equipment and vehicles
A ute, machinery, or a fit-out. Where the asset can carry the finance, that is usually a better structure than putting it on the overdraft.
A cash-flow gap
A job that pays on completion, a tax date, or a debtor who is late. Short money, with a date it comes back.
Replacing expensive debt
Some businesses are already in a sharp short-term facility. The useful outcome is a structure you can pay down, not another product stacked on top.
Purchasing premises or refinancing a commercial property sits on the commercial lending page. If the bank has already declined a trading-business file, stay here.
When the bank says no
A decline is often about the file, not the business
New contracts, a short trading history, seasonal income, or security a bank does not want. Those files still get funded — by lenders who are set up for them, and sometimes by a different bank. We put the real cost in front of you, and we only recommend it with a way to pay it down.
The panel
Specialists first, a bank when the file suits one
Names below are lenders we can access for business finance. They are not an endorsement, and they are not the whole panel — major banks are still in the conversation when they are the right place for the deal.
Heartland Bank
Pepper Money
PROSPA
Bizcap
The process
How a business loan gets put together
01
What the money is for
The purpose, the amount, and when it needs to be back. A rate means nothing until those three are clear.
02
Bank and non-bank, side by side
We compare the file against lenders who will actually consider it, including specialists such as Pepper Money, PROSPA, and Bizcap.
03
A plan, then the application
You see the cost and the path back to a sustainable footing. If you go ahead, we run the paperwork.
Chad Weber
Head of Lending
Chad leads Orange Network's lending work — first homes, refinancing, investment, construction, and business finance — across a panel of 16+ lenders.
Lindsay Hill
Relationship Manager — Mortgages
Lindsay helps home buyers, investors, and business owners secure the right funding — residential, commercial, and asset finance — with clear advice and strong lender relationships.
Where
Business lending from Kapiti and Wellington, for all of New Zealand
The office is Level 1, Takiri House, Coastlands, Paraparaumu. We meet across the Kapiti Coast and Greater Wellington in person, and the rest of the country online.
Tell us what the money is for
No charge for the conversation. Bring the amount, what it will do, and when you need it back.
Book a business lending chat
In-home across Greater Wellington, or online from anywhere in New Zealand. Free, no obligation.
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Frequently Asked Questions
- What is business lending?
- Business lending funds the trading business: stock, wages, equipment, or a cash-flow gap. It is not a loan to buy the building. If you are purchasing premises or a commercial investment, that is commercial lending.
- Can you help if the bank has already said no?
- Often, yes. A decline is frequently about how the file looks — a short trading history, seasonal income, or security the bank does not want — not about whether the business is real. We take that file to lenders set up for it, and to a bank when the file actually belongs there. If the rate or the term is a bad deal, we say so.
- What can a business loan be used for in New Zealand?
- Working capital, equipment and vehicles, a fit-out, a tax or debtor gap, and replacing a short-term facility that has become too expensive. The use has to be clear before anyone talks about a rate. We do not arrange lending for a purpose you cannot explain.
- What is the difference between business lending and commercial lending?
- Business lending is money for the business that is trading. Commercial lending is money for property: the premises you work from, a commercial investment, or the refinance of one. Many owners need one, then the other. They are assessed differently, so we keep them apart.
- How are you paid for business lending?
- The conversation is at no charge to you. If a loan settles, the lender pays Orange Network a commission. We tell you that before you decide.
- Do I have to be in Wellington or Kapiti?
- No. The office is at Coastlands in Paraparaumu, and we meet businesses across Kapiti and Greater Wellington in person. Clients in the rest of New Zealand meet us online. The lender panel is national.
Ready to get started?
Our advisers can travel to you for an in-home meeting or arrange a virtual catch up. We're happy to work around your schedule.