On the square
Funding for every shop on the square
Cafés trade differently from barbers, and a physio clinic looks nothing like a bottle-store bar. Pick the kind of business you run and see how funding usually works for it in New Zealand.
Lenders don't look at a café the way they look at a dental practice. Takings arrive differently, the equipment wears out at a different pace, and the busy months fall in different places. Each page below explains what a lender typically wants to see from that kind of business, the costs owners in that trade most often fund, and the routes that tend to suit — property-secured or unsecured.
None of these pages quote rates, because there isn't a single price. Every facility is priced on the business in front of us.
Cafés
Café business loans in NZ for espresso machines, fit-outs, winter cash flow, stock and buying a café. How lenders read café takings, and what to have ready.
Read more →Restaurants
Hospitality business finance for NZ restaurants: kitchen upgrades, fit-outs, wage-heavy quiet months, tax bills and expansion. What lenders check.
Read more →Bars & pubs
Business loans for NZ bars, pubs and licensed venues: refits, cool rooms, outdoor areas, licence renewals, quiet months and buying a bar.
Read more →Retail shops
Retail business funding for NZ shops and boutiques: Christmas stock, store refreshes, POS upgrades, quiet months and moving to a bigger store.
Read more →Salons & barbers
Business loans for NZ hair salons, barbers and beauty studios: new chairs and basins, refits, product stock, extra stations and buying a salon.
Read more →Gyms & studios
Finance for NZ gyms, CrossFit boxes, yoga, pilates and boutique fitness studios: equipment, fit-outs, rubber flooring, a second site and the summer dip.
Read more →Health clinics
Business finance for NZ physio, dental, optometry, podiatry and allied health clinics: fit-outs, treatment rooms, equipment, buying a practice and ACC timing.
Read more →Vet clinics
Finance for NZ vet clinics: surgical and imaging equipment, kennels and fit-outs, buying into a practice, pet retail stock and after-hours costs.
Read more →Tourism operators
Business loans for NZ tourism operators: boats, vehicles and gear, pre-season costs, safety audits, booking offices and the long off-season.
Read more →Trade counters
Business finance for NZ trades with a counter or workshop — mechanics, bike shops, florists, bakeries and repairers: tools, stock and slow payers.
Read more →More ways to find your page
Main-street funding in your town
A Queenstown gift shop and a Hamilton café live by different calendars. These local guides cover what's shaping trade in each centre — seasons, visitors, council projects and local support — and how owners there fund the gaps.
Browse your town →Main-street money: what owners fund
Fit-outs, bonds, a winter's worth of stock, summer staff, the shop next door, a tax bill that lands in a quiet month. Here's how each of those costs is usually funded — and what to have ready.
Browse main-street money →Already know what you need? Start your 60-second enquiry — no credit check to ask.
Let's see what your shop could qualify for
A one-minute enquiry, no credit check to ask, and a person who understands main-street trade rings you back with options that fit.
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