Business finance

WHY WORK WITH US?

Ready to power up your business? We make finance simple, with expert support every step
of the way.

From business loans and equipment finance to commercial property and working capital — our experienced advisers are here to help.

We compare your options, explain the fine print, and find funding that fits your business and your goals. Leave the details to us, so you can get on with running your business.

Book a free consultation

OUR BUSINESS FINANCE SERVICES

Business Loan

Start-up Business Loan

Equipment & Asset Finance

Invoice Finance Loan

Commercial Property Loan

Insurance & Loan Protection

Professional, Public &
Liability Insurance

WHAT OUR CLIENTS SAY

Don’t just take our word for it—hear how others reached their financial goals.

"We recently worked with Ed Carvell to secure our first investment property, and the experience couldn’t have been better.
‍
Ed guided us every step of the way, making what can be a complex process feel straightforward and manageable.

We always felt informed and supported from start to finish. We’d highly recommend Ed to anyone looking to get into property or grow their portfolio."
Tony & Lauren, Investment Property.
“I wanted to take a moment to sincerely thank you for the outstanding support and guidance you provided throughout our first home-buying journey.

Buying a house can often feel overwhelming, but your professionalism, patience, and clear communication made the entire process smooth and stress-free for us.

We are extremely grateful for everything you have done and would highly recommend your services to anyone looking for a reliable and knowledgeable financial advisor.”
Senaka & Tharushi, First Home Buyer.
Thank you so much for your consistent support throughout this journey. Seemab and I truly appreciate the guidance and assistance you’ve provided in
helping us secure our investment property.
‍
We are very pleased with the service from the entire Good Money team, it was smooth, professional, and reassuring at every step.

We will definitely recommend
your services to our friends, family, and colleagues.
Abdul & Seemab, Investment Property.
“Thanks Jonny really appreciate you and your team all the hard work thank you.”
Michael, Financial Advice.
“Thank you for all of your support".
Noloysio, New Property.

WHY CHOOSE GOOD MONEY FOR YOUR BUSINESS FINANCE?

FINANCE THAT FITS YOUR BUSINESS

Every business story is unique. We offer tailored business finance solutions, small business loans, equipment finance, invoice finance, and business loan insurance, all matched to your profitability goals.

STRAIGHTFORWARD, HONEST ADVICE

Our independent business finance advisors cut through the noise and explain options for business lending, asset finance, and commercial property loans simply.

FAST, HASSLE-FREE APPROVALS

With online enquiry, fast-track applications, and specialist support for short-term unsecured business loans or long-term funding, you get funds fast, stress-free.

SUPPORT BEYOND THE LOAN

We're in for the long haul. Our business lending experts help you revisit, refinance, or extend your loan as your business grows, plus, we keep you up to date with market rates and opportunities.

LOAN & INTEREST CALCULATORS

Plan smart and see where you stand before you apply.

Use our mortgage repayment calculator to see how loan amount, term, and interest rate affect your budget.

Considering an interest-only loan? The calculator also shows your interest-only period payments and when they switch to full repayments.

Use our calculators
Loan repayments
Interest only repayments

MORTGAGE LOAN REPAYMENT CALCULATOR

This calculator provides an estimate only.
Your actual repayments may vary based on:

  • Fees and charges.
  • Interest rate changes
  • Repayment frequency (weekly, fortnightly, monthly).
  • Additional repayments or lump sum payments.

Your monthly repayment will be:

$12,345

Interest Only Repayment Calculator

BUSINESS LOAN & FINANCE FAQS

Got questions about business finance? Here are answers to the most common questions we hear from NZ business owners.

What is a business loan broker, and why use one?

A business loan broker finds you the right deal—comparing many NZ business loans, negotiating lower interest rates, and increasing your approval odds for everything from small business loans to startup business loans.

How much can I borrow with a business loan?

This depends on your revenue, time trading, collateral, and the type of loan (secured, unsecured, asset finance, invoice finance). Ask your Good Money adviser for a clearer idea.

 What's the difference between secured and unsecured business loans?

Secured business loans use assets as collateral, giving better rates and higher limits. Unsecured business loans are faster and don't need collateral, but have higher rates and lower maximum amounts.

Can I get a startup business loan in NZ?

Yes, specialist lenders and business loan brokers can help new ventures access startup business loans or business overdrafts, especially if you have a plan, good cashflow forecasts, and can service repayments.

Are there business loans for buying a business?

Absolutely. Buying a business loan (or business acquisition finance) helps fund the purchase, and options exist for established or franchise businesses.

How fast can funds be paid out?

With online lenders or brokers, unsecured business loan or small business loan funds can often be in your account in as little as 1-2 days.

Is a deposit always required?

Not for an unsecured business loan in NZ (approval is based on turnover and trading history), but asset-based and commercial property funding may need a deposit or security.

Can I pay off my business loan early?

Most NZ business loans allow early repayment, saving you on interest if your cash flow improves.

Can I consolidate debt or top up my business loan?

Yes, many lenders offer refinancing or business loan top ups for growing businesses.

How does business loan insurance work?

Loan protection insurance helps make repayments or clears business loans in the event of illness, disability, or death of a key person, keeping your business on track.

READY TO GROW YOUR BUSINESS?

Our business finance experts in Christchurch and across NZ are here to help you find the right funding solution.

Book a free consultation