Don't just borrow. Remix your funding.
Alternative ways to fund a specific business goal in New Zealand. Turn up supplier terms, customer deposits, your own cash and the gear you already own — then let a loan cover only the gap that's left.
- No credit check to start
- Never sprayed to a list of lenders
- $20k – $5m when a loan fits
No credit check to start
Asking us to look at your mix leaves your credit file untouched. A credit check is only raised once you choose to go ahead with a lender.
No spray and pray
Your enquiry isn't fired off to a list of lenders. One person reads it, works out which piece you actually need and talks to you first.
A real person on your mix
A specialist calls you back to talk it through. Straight, accurate answers on the form mean the first route we suggest is the right one.
Remix by goal
Pick the goal. We'll show the mix.
Every page starts with one job your business needs money for, then lays out the routes that can carry part of the cost — and the point where a loan earns its place.
Buy stock
How NZ businesses fund stock without a loan: supplier terms, consignment, pre-orders, selling slow lines and when a loan is the smarter piece of the mix.
Hear the mix → Track 02Hire staff
How to fund hiring staff in NZ: the true cost of a hire, the ramp-up gap, and a mix of deposits, invoice funding, own cash and finance to cover it.
Hear the mix → Track 03Buy equipment
Ways to pay for business equipment in NZ: trade-ins, supplier deals, refinancing gear you own, Investment Boost timing and equipment finance for the rest.
Hear the mix → Track 04Cover a tax bill
Options for paying a big GST or provisional tax bill in NZ: IRD instalment arrangements, tax pooling, the ratio or AIM options and when business funding fits.
Hear the mix → Track 05Fit out a shop
How to fund a shop, café or office fit-out in NZ: landlord contributions, rent-free periods, staged builder payments, equipment finance and a loan for the gap.
Hear the mix → Track 06Buy a business
How to finance buying a business in NZ by mixing vendor finance, your own cash, a partner, property-secured funding and a loan sized to the gap.
Hear the mix → Track 07Fund a big contract
How to fund a large contract in NZ: mobilisation payments, milestone billing, supplier terms, invoice funding, retentions and a facility for the cash dip.
Hear the mix → Track 08Bridge a slow season
How NZ seasonal businesses bridge the quiet months: peak reserves, supplier timing, pre-sales, provisional tax options and a line of credit set up early.
Hear the mix → Track 09Open a second site
How to fund a business expansion in NZ: open a second site with landlord help, equipment finance, site-one profits, property equity and a right-sized loan.
Hear the mix → Track 10Upgrade tech
How NZ businesses fund a tech or systems upgrade: phased rollouts, subscriptions, hardware finance, Investment Boost limits, R&D grants and a loan for the rest.
Hear the mix →The alternatives
Every channel on the desk
Each route below can carry part of a goal. Some cost money, some cost margin, some cost a little control. Click a channel to see what it does well and where it bites.
How a remix works
Four moves from goal to funded
- Name the goal and its real cost. Include GST, freight, fit-out extras and the cash you'll burn before the goal starts paying back.
- Turn up the free and cheap faders. Supplier terms, deposits, a landlord contribution, idle assets, your own cash. Each one shrinks the gap.
- Size what's left. The remaining gap, and how fast the goal pays it back, point to the right finance piece — or tell you none is needed.
- Talk to a real person about the loan piece. Tell us the goal and the gap. Start a 60-second enquiry and we'll match it properly, once.
Myth vs mix
Four ideas that keep owners stuck
Myth Funding a goal means taking out a loan.
Mix Most goals can be part-funded before a lender is involved: terms from suppliers, deposits from customers, a landlord's fit-out contribution, cash from idle gear.
Myth One big loan is simpler than a mix.
Mix One big loan is simpler to apply for. A mix is often simpler to repay, because each piece matches how the money comes back in.
Myth Grants will cover it.
Mix New Zealand grants are usually co-funded and tied to specific things such as capability training or R&D, so they rarely carry the main cost. Treat them as a bonus layer.
Myth If the bank said no, everyone will.
Mix Banks decline for their own policy reasons. Different security, a smaller gap or a lender that reads bank statements can tell a different story.
When a loan is the right piece
Sometimes the gap needs real money. Here's what's possible.
A loan earns its spot when the gap is too big for the free faders, the goal pays back over months rather than weeks, or timing won't wait. Then it should be sized to the gap — not to the whole goal.
- Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat-style security over residential or commercial property.
- Unsecured and cash-flow options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
- Bad credit and IRD debt considered case by case. Business purposes only.
Bank said no?
Five quick questions, then the route most likely to work next — property-secured, cash-flow, invoice-based or a smaller remixed ask.
Find my next route →Stack it
Combine, order, size, stress-test
The craft of putting pieces together so the repayments match the way the goal pays you back.
Guides
Deep dives for the detail people
Mixing Funding in NZ: Who Ranks First on Security?
When you mix funding in NZ, who ranks first? How the PPSR, general security agreements, supplier terms and property security interact — and avoiding clashes.
Read the guide → Tax timingCustomer Deposits and GST in NZ: When It's Due
When is GST due on a customer deposit in NZ? Time of supply, invoice vs payments basis, progress payments and how to stop deposits becoming a GST cash squeeze.
Read the guide → AssetsSelling Business Assets in NZ: GST, Tax and Timing
Selling business equipment or vehicles in NZ to raise cash? How GST, depreciation recovery, losses on sale and PPSR checks affect what you actually keep.
Read the guide →Quick answers
What does 'remix your funding' actually mean?
It means starting from the goal (stock, a hire, a machine, a tax bill, a second site) and covering it with a mix of routes rather than one big loan. Supplier terms, customer deposits, your own cash, refinancing gear you already own, invoice funding and a loan can each carry part of the cost. The loan then only has to fill the gap that's left.
Do you only arrange loans, or do you help with the other pieces too?
Our guides and tools cover every piece so you can plan the full mix yourself or with your accountant. When a loan, a line of credit or property-secured funding is the right piece, that's where we come in: a real person looks at the gap and matches it to a suitable lender.
How much can the loan piece be?
Property-secured business loans run from $20,000 to $5,000,000 using first or second mortgages or caveat-style security over residential or commercial property. Unsecured and cash-flow options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've seen an option you like and decide to go ahead.
Is this only for New Zealand businesses?
Yes. Everything on this site is written for businesses operating in New Zealand — IRD, GST at 15%, provisional tax, KiwiSaver, the PPSR and the Companies Office — and funding is for business purposes only.
My bank already said no. Is a remix still worth trying?
Often, yes. A decline usually means the bank didn't like one ask for the full amount. Shrinking the gap with non-loan pieces, or using different security, can change the picture. Try the route finder for a quick read on your next step.
Can I get funding with bad credit or IRD debt?
Bad credit and IRD debt are considered case by case. Be upfront on the form — an accurate picture lets us suggest a route that can genuinely work instead of one that falls over at assessment.
Got a goal? Let's mix the money for it.
Tell us the goal and the gap in about a minute. There's no credit check to start, nothing is blasted to a list of lenders, and one real person works out which piece you actually need.
No credit check to start
No spray and pray
A real person on your mix