A Clearview unsecured business loan is quick and easy to get. Request a quick approval and start using the funds to grow your company.
What to expect:
The eligibility requirements for an unsecured business loan for a company loan Clearview are fairly minimal.
Call Now 1300 931 922Applying for an company loan within Clearview with us is easy and takes only about a couple of minutes, there are no lengthy forms or lines.
Approved and receive funds in 1 – 2 business days.
Our focus is to assist Clearview businesses of all kinds, from small to medium-sized solopreneurs to access money quickly, so that they can use the loan to grow and build.
The requirements for obtaining an unsecured business loan in Clearview of between $5K and $100K are pretty minimal.
Are you looking for additional funding? Review the guidelines for eligibility for our $100K to $500K business credit.
The requirements for eligibility to be eligible for loans from larger Clearview company loans of between $100K and $500K include:
Do you require a smaller amount of funding? Take a look at the conditions for eligibility for our $5K-$100K Clearview unsecured business loans.
A Clearview unsecured loan is perfect for virtually every company purpose. Get in touch with us today.
Want to get started on one of these as soon as tomorrow? So, contact us today or send an application online to apply the fastest, most convenient way.
All that’s needed for starting is your contact information (the name of your company, your name, email and telephone), how much you’d like to lend, and your monthly income.
In the course of the process and before settlement we’ll require confirmation of who you are, but not before we can begin:
In addition, once we have started with loans over $150,000 you will also need fundamental financial statements:
Let’s get started now.
In the wake of traditional lenders and banks increasing their credit requirements and the constant stream of alternative and non-bank loan providers entering the market provides an excellent source for you to tap into.
Clearview SME’s are now capable of accessing finance through alternative lenders that service Clearview who are focused on facilitating business growth or smoothing cash flow issues. The past was when the personal sources of credit (drawing equity from a home loan or credit cards in addition to personal loans and credit cards) provided the most viable alternative financing services in Clearview that were available.
There’s an end to the requirement to depend on using real estate to secure business loans. With an unsecured loan, business funding is simple. Instead of a term loan through the bank, business finance for a small company with interest rates and loan terms that can help with cash flow are available as business lending options.
There are many benefits with separating personal and company debt.
Limit your exposure, and make tax times simpler, start with an unsecure company loan, apply today.
One big drawcard for keeping your individual and company assets apart can be that your house isn’t necessarily tied up to access the funds. In the case of a business loan in Clearview up to $100K the security of assets won’t be needed as long as the borrower is able to meet their loan obligations.
Businesses will be in a favourable long-term financial position if they can show good credit and debt ability to service.
The separation of personal as well as business finances makes it more seamless with regards to tax time, particularly when identifying what is the tax deductible allocation. The IRD has outlined the guidelines for the documentation required to claim deductions on an organisation’s tax return. This is an area that the IRD has advised specifically on.
A well-organised cash flow management system is vital to the longevity for any business. By keeping the personal financial and company finances distinct, companies can easily view how they are performing, monitor and plan on their ability to easily assess their cash flow position.
Clearview unsecured loans provides amounts of between $5,000 and $100,000. The terms range between 3 and 24 months and cash flow-friendly repayments which can be made daily or weekly.
The application to the Small Business Loan in under 10 minutes on the internet or by phone. You will receive a same day response and funds may be in your account within 24 hours. Traditional company loans are based on an annual interest rate as well as other fees and charges. Our company loan is a pre-paid loan therefore you’ll be aware of the total amount due, which includes any fees, interest or charges. This is then broken down into weekly or daily repayment figure.
A Small Business Loan can be used for nearly every business need, such as cash flow management, business remodels and marketing to purchase inventory or new equipment, or as general working capital and so much more. The loan is not available to fund personal expenses.
The Larger Business Loan is a larger size of loan that can be used to fund company growth opportunities. Loans are between $100,000 and $500,000 with a fixed-term for up to 36 months. Repayments are scheduled weekly or fortnightly depending on your situation.
This Larger Business Loan has an Origination Fee that is calculated at 2.5 percentage of the loan amount.
To be eligible for a credit in this amount the business needs to be operating for at least three years with an annual turnover of $700,000. Your business must belong to a New Zealand Citizen (or Permanent Resident) over 18 years and have a New Zealand business (with a valid NZBN/IRD) and be able to demonstrate at the least 12 months of operating.
A Larger Business Loan can be used for nearly every business purpose including company improvements, purchasing equipment or inventory or as general working capital and much more. The loan is not available for personal use.
Asset security is needed to access funding over $150,000. It is usually by way of charge against assets and can include registration on the PPSR or registering as a caveat.
A director’s or personal guarantee is a commitment to pay off a credit line that is general in nature rather than stipulating the security of a specific asset. The person signing the guarantee is personally liable in the event that the company borrower is unable to repay the debt.
The Personal Property Securities Register (PPSR) is an online, central registry run by the New Zealand Government. It contains security interests granted to individuals who own personal property (including goods or assets). The PPSR permits preference over private property granted according to the date a security interest has been registered.
Caveats are legal form of document to offer the legal claim on a property.
If you’re requesting an enterprise loan that exceeds $250K we can offer a preliminary pre-approval to help ease the process. It is possible to make this decision without a credit check, and within 6 hours of the initial application. This pre-approval is made based on an initial assessment, which involves answering a couple of financial well-being questions. This is neither an offer nor a guarantee of funds. The approval of a conditional loan is subject to a full credit assessment and any offer you are offered could have different terms.
You are eligible to apply for a business loan if you:
The process for applying is fast and easy. Just complete the online application in just a few minutes, and a dedicated business lending specialist will be in touch to assist you.
For a loan of up to $100,000 you’ll require the right identification documents (valid Driver’s Licence) as well as an NZBN/IRD that is valid and at least six months of bank statements.
For larger loan sizes, you’ll require:
$100K-$250K: Information about the application including credit consent, 6 – 12 months of IRD statements, bank statements (if credit is over $150K).
$250K to $500K: Application details including credit consent as well as 12 month bank accounts, the IRD statements Last 2 years’ finalised financial statements, in addition to interim financial statements for the current year as well as Aged Payables and Receivables Summary.
For an unsecured loan ($5K up to $100,000) We can usually provide an answer within an hour – as long as you submit your request during quality company times and permit us to utilise the advanced bank verification system link to instantly verify your bank details online. If you opt to submit copies of your bank statements we can offer a decision within the span of one business day.
For the Larger Business Loan ($100K or more) we could be in a position to offer you with a conditional pre-approval in around 6 hours. Once you’ve signed the pre-approval, turnaround times are around 2-3 days for final approval. However, this can be quicker based on the specifics of each application. Some transactions have received approval within less than 24 hours.
The quickest method is to ensure you apply during normal company hours and permit us to use the advanced bank verification system to instantly verify your bank information online. If you opt to send us the copies of bank statement, it will take a little longer.
For the Small Business Loan ($5K or more) we typically offer an answer in just one hour if you apply during normal business hours and you allow us to make use of the advanced bank verification system to instantly verify your bank details online. If you opt to submit copies of your bank statements we can provide an answer within the span of one business day.
For the Larger Business Loans ($100K and up) We may be in a position to offer you with conditional pre-approval within about six hours. Once you’ve signed the pre-approval, the turnaround time is around 2-3 days for final approval, however this may be quicker depending on the specifics of each application. Some deals have been approved in 24 hours.
The fastest method would be to ensure you apply during normal business hours and allow us to use our sophisticated bank verification to instantly verify your bank account information online. If you opt to send us copies of your bank statement, it may take a bit longer.
We provide loans that range from $5,000 to $500,000. If you apply for a specific amount we look at a variety of variables to determine your well-being of your company and the amount of the repayments your business can afford. The amount you receive from your loan will depend on the specifics of your company.
When you apply for a particular amount, we take into consideration a variety of factors to determine your health that is your company and the extent of the repayments your company can afford. The amount you receive from your loan will depend on the particular circumstances the company.
If you decide to request one of our business loans, we’ll assess the risk assessment that you have for your company and offer you with a customised proposal that includes loan amount, term and the interest rates. It is a business loan is an upfront priced loan so you will know the exact amount payable including any charges or interest.
Business loan interest rates depend on several factors including the amount borrowed, the company assets the funds will be used for, the industry the business is operating in, how long the business has been running for, what percentage of the company has enough cash flow to support the loan, as well as the overall health or creditworthiness of the business.
There are no hidden costs with our company loans. You’ll know precisely how much it is that you be required to pay and at what time, from the very first day. There’s not any compounding interest and there are no additional charges (as long as you are able to make your payments punctually).
We do not charge an Application Fee. You can apply for a loan with no cost upfront or commitment to apply.
The Origination Fee covers the expenses involved in establishing and managing the loan. It is only charged for this fee if you proceed with the loan. The Origination Fee for us is 2.5 percentage of the loan amount.
You can repay the total amount of your advance loan at any time.
If you choose to do this please speak to our friendly business loan specialists. The experts will offer you with details on repayment as well as an early payout amount. The figure will be calculated as the total of the principal amount remaining and any accrued interest at the time of early payment, plus 1.5% of the principal remaining and any outstanding fees.
To make sure you do not miss payments and to work with your cash flow routine, we provide repayments either weekly or daily. These are automatically deducted from your company account.
Security of your data, and knowing how we collect information, use it, and exchange it, as well as protect your information, is of paramount importance and a vital part of our relationship you.
Yes. We utilise industry-recognised encryption techniques to protect your personal, sensitive financial and other data. Our funders are ISO 27001 certified for our commitment to customer security and security. We use an advanced bank verification system link to immediately verify your bank account details online. This allows us to provide an immediate response.
An asset-based loan is when a business owner uses the assets they have to obtain the loan. The asset may be an individual asset, such as the family home, or a company asset like a truck or piece or equipment.
The majority of lending institutions, not just the largest banks, are inclined to guarantee loans against assets. If you’re having trouble paying back the loan, your assets could be offered for sale by the lender. In essence it’s an opportunity to secure new financing making use of the value of what you already have.
For loans of up to $150K, it is not necessary to secure assets in advance to gain access to the funds However, we require a personal guarantee. require a personal guarantee. In the event that you fulfill your loan obligations (as detailed in your loan contract) and you are able to meet your obligations, asset security will never be needed. For loans of over $150K generally there is a personal guarantee and security in the form of a charge over assets.
We can’t assist with an unsecured business loan for those industries, we might be able to assist with secured business loan.
