28/09/2026
We’re seeing a steady stream of enquiries from good businesses coming to us after they’ve already been placed with, or gone directly to, fast-access working capital lenders, often when there may have been a better option available from the start.
Sometimes the funding was needed quickly. Sometimes the business assumed the bank wouldn’t help. And sometimes what seemed like the fastest option at the time became a very expensive and unrealistic one to carry.
Fast-access working capital options, can have its place, but it shouldn’t always be the first option.
As business finance specialists, we can look at your full lending picture and often find options that a single fast-access lender simply can’t offer. With access to more than 40 lenders, including the main banks and specialist business funders, we can consider the wider business, the purpose of the funding and the structure that makes the most sense.
Quite often, that means refinancing expensive short-term business debt into something more realistic and manageable, reducing the pressure on cashflow for business owners.
If this sounds like your business, or someone you know who could use our help, reach out to your local Finance New Zealand adviser for a confidential, no-obligation conversation.