An independent NZ business-finance calculator and guide.
Businessloans.org.nz is built for New Zealand small and medium businesses considering finance. The calculator is free to use; the editorial guides cover loan types, reasons to borrow, industries that finance differently, and indicative pricing across the NZ market.
What we do
Education, a calculator, and a single referral path.
We are not a lender, broker, or registered financial adviser. We do not arrange credit, hold client money, or give personalised financial advice. The site sits in a narrow regulatory lane: educational content (class information) and a calculator that produces indicative repayment figures from inputs you control.
When a calculator user clicks "see if you qualify", the application hands off to Prospa, our vetted New Zealand SME finance partner. Prospa asks a few quick questions, runs a credit assessment, and provides a firm quote with funding if the business is eligible. We do not pass calculator inputs across; the application begins fresh with Prospa.
We earn a referral commission from Prospa on funded loans. The commission is paid by Prospa, not by the borrower, and does not change the rate, fees, or terms Prospa offers. The full disclosure is on the partner page.
Editorial approach
Indicative only, primary sources, no rate promises.
Every numeric claim on this site that involves rates, fees, eligibility, or industry data is hedged or sourced. We cite primary sources (NZTA, MBIE, IRD, Reserve Bank of NZ, Stats NZ, Carjam, Commerce Commission) for verifiable claims. We do not paraphrase competitor finance sites or direct lender marketing pages. The complete editorial rulebook is documented in the project repository.
We never quote a specific available rate, never promise approval, never claim Prospa is "best" or "cheapest" for every borrower, and never tell readers what they should do. Where finance options diverge meaningfully (secured vs unsecured, term loan vs line of credit), we describe the trade-offs in two-sided terms.
Tax-treatment statements (GST, deductibility, depreciation) are general in nature and carry the accountant caveat at the point of every claim. Final advice on any specific business position is the accountant's, not ours.
Compliance posture
FMC Act Part 2, Fair Trading Act, and the limits of "class information".
New Zealand's Financial Markets Conduct Act 2013 Part 2 (fair dealing) applies to a content site like ours. We avoid misleading or deceptive conduct, false representations, and unsubstantiated claims. The Fair Trading Act 1986 imposes parallel obligations for non-financial claims.
We do not provide regulated financial advice as defined under the Financial Services Legislation Amendment Act (FSLAA) and FMC Act Part 6. Most business lending falls outside the retail-client definition because the borrower is a non-natural person. Sole-trader and personal-guarantor cases can trigger CCCFA, which is why our editorial posture is class information only across all content.
We do not collect personal information through this site. Calculator inputs stay in the browser. Lead capture happens on Prospa's domain, where they hold the CCCFA-appropriate framework.
Indicative content only. Nothing on this site is personalised financial advice. Final rates, fees, and approval decisions are made by the lender after assessment.