Secured business loans

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Financial harmony for your business journey

True progress happens when your resources are in perfect alignment with your opportunities.

We facilitate this harmony by offering business loans backed by your residential property, providing a simple alternative for those who find traditional finance out of sync with their reality.

Our simple solution gives you the freedom to invest in your business’s future while keeping your focus exactly where it belongs: on your success.

Industries we love

Transport and logistics

Transport businesses are asset-heavy and cash-flow sensitive.

    • Purchasing vehicles – trucks, vans, utes, trailers (often second-hand or imported)

    • Replacing or repairing equipment after breakdowns or accidents

    • Fuel and operating costs during high-demand periods

    • Bridging cash flow gaps while waiting on large customer payments

    • Meeting compliance costs (RUCs, licensing, safety upgrades, fleet standards)

    • Taking on new contracts that require upfront investment before revenue starts

Building, trades and construction

Cash flow in construction rarely lines up neatly with project timelines.

    • Buying tools, machinery, or vehicles needed for new jobs

    • Covering materials upfront before progress payments are received

    • Managing delays caused by weather, supply chain issues, or client hold-ups

    • Paying subcontractors and staff while waiting on invoices to be paid

    • Replacing stolen or damaged tools quickly to keep work moving

    • Scaling up when winning larger contracts

Professional services

Service-based businesses still face growth and cash-flow challenges

    • Purchasing vehicles or equipment to support operations

    • Hiring staff ahead of confirmed revenue

    • Office fit-outs or relocations

    • Bridging cash flow gaps caused by delayed client payments

    • Investing in technology or systems

    • Buying into or out of partnerships

Warehousing and distribution

Warehousing and distribution businesses sit in the middle of supply chains — with high operating costs and long payment cycles.

    • Purchasing material-handling equipment such as forklifts, pallet jacks, and racking

    • Upgrading or replacing vehicles used for delivery and transport

    • Warehouse fit-outs or relocations to support growth or new contracts

    • Managing cash flow gaps caused by slow-paying customers or large clients

    • Funding inventory or storage solutions for new customers

    • Covering costs to mobilise new contracts before revenue begins

    • Repairing or replacing critical equipment to avoid operational disruption

Earthmoving and plant hire businesses are asset-heavy and exposed to both wear-and-tear and weather-related delays.

Healthcare and allied health practices

(e.g. physiotherapy, dental, medical imaging, specialist clinics — excluding personal lending)

Healthcare practices combine professional services with significant capital investment.

    • Purchasing specialist medical or diagnostic equipment

    • Clinic fit-outs or refurbishments to meet standards or expand services

    • Vehicles for mobile or regional services

    • Technology upgrades for patient management and compliance

    • Hiring practitioners ahead of patient demand

    • Buying an existing practice or funding ownership transitions

Manufacturing and food production

These businesses often face high upfront costs and tight margins If you’re importing equipment or buying second hand, we speak your language! It’s often difficult to borrow against imported or second-hand assets, and that’s where we can help.

    • Purchasing or upgrading machinery

    • Repairing critical equipment to avoid production downtime

    • Buying raw materials or ingredients in bulk to secure pricing

    • Managing seasonal demand spikes

    • Meeting food safety or compliance requirements

    • Funding growth to meet new wholesale or export contracts

Childcare and early learning centres

Childcare centres are capital-intensive, highly regulated, and often growing faster than their cash flow.

    • Centre fit-outs or refurbishments to meet licensing or safety standards

    • Playground equipment and outdoor upgrades, including replacements due to wear or compliance changes

    • Purchasing or upgrading vehicles for child transport or excursions

    • Covering upfront costs when opening a new centre before enrolments stabilise

    • Bridging the gap between Ministry of Education ECE funding subsidies

    • Expanding capacity by adding rooms, equipment, or resources

    • Buying an existing centre or funding ownership transitions

Earthmoving & plant hire

    • Purchasing heavy machinery such as diggers, loaders, rollers, or excavators

    • Buying second-hand plant to expand fleets cost-effectively

    • Repairing or overhauling equipment to keep machines operational

    • Funding fleet expansion to meet demand for large projects

    • Managing downtime caused by weather, project delays, or breakdowns

    • Covering mobilisation costs when starting new contracts

    • Refinancing existing assets to improve cash flow and working capital

While we will fund almost any industry in New Zealand, here are some examples of ones we love.

Let’s restore your focus.

Ready to clear the path forward? If you have equity in your property and a clear vision for your next move, let’s have a relaxed conversation about how we can help