Business finance for New Zealand's cafés, shops, salons, clinics and main-street trades No credit check to enquire09 875 4577

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.

See if you qualify →No credit check to enquire

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.

Free tool Main-street cash gap estimator Map your takings month by month, add GST, provisional tax and refit bills, and see which months run short and what suits that gap. Open the estimator →

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.

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Restaurants

Hospitality business finance for NZ restaurants: kitchen upgrades, fit-outs, wage-heavy quiet months, tax bills and expansion. What lenders check.

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Bars & pubs

Business loans for NZ bars, pubs and licensed venues: refits, cool rooms, outdoor areas, licence renewals, quiet months and buying a bar.

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Retail shops

Retail business funding for NZ shops and boutiques: Christmas stock, store refreshes, POS upgrades, quiet months and moving to a bigger store.

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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.

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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.

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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.

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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.

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Tourism operators

Business loans for NZ tourism operators: boats, vehicles and gear, pre-season costs, safety audits, booking offices and the long off-season.

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Trade counters

Business finance for NZ trades with a counter or workshop — mechanics, bike shops, florists, bakeries and repairers: tools, stock and slow payers.

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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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Not handed round town

A local-minded person