Who actually qualifies for a NZ business loan, broken down by lender type, trading history, revenue, business structure, credit file, and industry. The eligibility bar is materially different across major banks, secondary banks, and alternative lenders.
Indicative only. Why we say this
Quick answer
Eligibility by lender type
The NZ business-lending market has roughly four lender archetypes, each with its own eligibility bar. The table below is the indicative threshold across each archetype for a standard unsecured term loan or line of credit. Asset-secured products (chattel mortgage, hire purchase) typically clear lower bars because the asset itself secures the facility.
| Lender type | Min trading history | Min monthly revenue | Min loan amount | Typical max amount |
|---|---|---|---|---|
| Major bank (ANZ, BNZ, Westpac, ASB, Kiwibank) | 24 months | ~$50,000 | $25,000 | $5M+ (relationship-managed) |
| Secondary bank (Heartland, Co-operative) | 12 to 24 months | ~$20,000 | $10,000 | $1M to $2M |
| Alternative lender (Prospa, Bizcap, Lending Crowd) | 6 to 12 months | ~$5,000 to $10,000 | $5,000 | $500,000 |
| Online specialist (some startups, fintechs) | 3 to 6 months | Varies | $1,000 | $150,000 |
| Asset financier (UDC, Mercedes-Benz Financial, Yamaha Motor Finance) | No fixed minimum | No fixed minimum | $5,000 | $500,000+ (asset value) |
| Commercial mortgage lender (banks plus non-bank specialists) | 24+ months | ~$80,000 | $250,000 | $10M+ |
Indicative thresholds only. Each lender publishes its own criteria; actual eligibility depends on the specific lender's underwriting policy and the borrower profile.
Eligibility factors
NZ business loan eligibility is a function of multiple factors weighted differently across lenders. The six factors below are universally observed inputs into the eligibility decision, ranked roughly by weight at major banks. Alternative lenders weight bank-statement turnover and recent trading consistency higher than any single factor below.
01
Months of consistent operating history. Major banks commonly want 24 months on the same NZBN; alternative lenders typically accept from 6 months. A change in ownership, restructure, or rebrand can reset the trading-history clock at the lender's discretion.
02
Monthly revenue patterns from the last 6 to 12 months of bank statements. Lenders typically want consistency rather than peak volume; a business with $30K monthly revenue over 12 months is widely preferred over one with $80K, $0, $80K oscillation.
03
Sole trader, partnership, company, and trust are all served by the NZ market, but the documentation differs. Trust borrowers commonly need the trust deed and a signed trustee resolution. NZ-resident directors or trustees are a near-universal requirement.
04
Director-level Centrix file (consumer credit report) plus entity-level commercial file. IRD arrears flagged via Centrix are particularly damaging at major banks. Old paid defaults are widely accepted with explanation; unpaid recent defaults are a hard stop.
05
Property-secured loans clear lower trading-history and revenue bars than unsecured loans. Asset-secured products (chattel mortgage on a vehicle or equipment) accept the thinnest trading history. Personal guarantees are near-universal on NZ SME loans.
06
Each lender maintains an internal industry-appetite matrix. Hospitality, tourism, retail (some sub-segments), and construction trades sit at the more cautious end at some lenders. Cannabis-adjacent, adult entertainment, gambling-adjacent, and unregulated crypto are widely excluded.
07
NZ residency, age (typically 18+ at all NZ lenders, no published upper age limit but practical lending ceiling at retirement-age borrowers), drivers licence as primary ID, no current bankruptcy or insolvency. Multiple directorships in failed companies on the file are a flag.
Sole trader vs company eligibility
Sole trader path
Sole traders apply for NZ business loans on broadly the same terms as companies, with the documentation simplified to IR3 personal income tax returns rather than IR4 company returns. The NZBN is held against the individual rather than a registered legal entity, but the lender treatment is similar.
The complication for sole traders is the personal-business cashflow overlap. Where the borrowing is wholly or predominantly for personal use, the loan can fall under the CCCFA (Credit Contracts and Consumer Finance Act) consumer-credit rules rather than the lighter business-credit framework, subject to the lender's assessment. Most NZ business lenders run a purpose declaration on application to confirm the business-use intent.
Sole traders are widely served by alternative lenders and asset financiers but face slightly higher hurdles at major banks, where the company-with-directors structure is the standard form. The eligibility differential is narrowing, with most NZ alternative lenders explicitly catering to sole traders.
Company path
Limited companies (registered with the Companies Office) are the standard NZ business borrower form. The application documents are IR4 company income tax returns, signed financial statements prepared by the accountant, and the constitution where the lender requests it. The NZBN is held against the company itself.
Director personal guarantees are near-universal on NZ SME company lending, even where the company is otherwise secured. The PG provides the lender recourse against the individual director if the company defaults. Multi-director companies typically need a PG from each director (sometimes joint and several, sometimes proportional).
Companies in their first 24 months of trading face the same trading-history threshold as any other entity. A new company spawned from an existing trading business (e.g. a restructure) can sometimes carry forward the trading history of the predecessor, subject to the lender accepting the continuity. This is widely negotiated rather than automatic.
Context
The eligibility differential between major banks and alternative lenders in NZ traces to two structural differences: cost of capital and underwriting philosophy. Major banks fund themselves through retail deposits and wholesale debt at a low blended cost, which lets them offer low rates but requires conservative underwriting to keep default rates inside the deposit-protection envelope. Alternative lenders fund themselves through institutional debt and equity at a higher blended cost, which forces higher rates but funds a more flexible underwriting posture. The eligibility bar is the underwriting expression of the funding cost, not a separate policy choice.
The COVID-19 period (2020 to 2022) reset eligibility appetite across the NZ market in ways still visible in 2026. Major banks tightened on hospitality and tourism during the wage-subsidy era and have only partially relaxed since; alternative lenders held the line and in some cases gained market share by funding hospo and tourism deals the banks declined. Borrowers in those industries commonly find the alternative-lender shortlist materially easier to clear, even where major-bank pricing would otherwise be preferred. The hangover is most visible in CBD-located hospitality and inbound-tourism operators, with regional and domestic-tourism operators recovering faster.
The Reserve Bank of NZ's capital and lending standards (BS19, BS2A, the Banking Supervision handbook) shape what major banks will and will not lend against. Property-secured business lending sits inside well-trodden capital frameworks; unsecured business lending and lending against intangible assets (debtor books, intellectual property) sits less comfortably and is typically funded at higher rates or by specialist non-bank lenders. The capital framework is invisible to the borrower at application but is the underlying reason the major-bank unsecured term-loan offer commonly comes back as "secured or higher rate or smaller amount", because the unsecured exposure is more capital-expensive for the bank.
The CCCFA scope question matters for sole-trader and personal-guarantor edge cases. Where a borrowing is wholly or predominantly for personal use, the CCCFA's consumer-credit rules apply, including the responsible-lending obligations on the lender. NZ business lenders manage this through purpose declarations on application; the borrower's representation that the borrowing is for business use is the primary defence. Where the representation is later contested, the case sits with the Commerce Commission. The borrower-side implication is that a sole-trader application for a vehicle that is "60% business, 40% personal" sits in a grey zone the lender's purpose declaration is intended to resolve.
Eligibility settings also shift with the broader credit cycle. When the Official Cash Rate is rising and default rates are climbing, NZ lenders typically tighten the eligibility bar (longer trading history required, higher revenue floor, stricter Centrix thresholds) ahead of price rises. When the OCR is easing and default rates are falling, eligibility loosens before pricing softens. Borrowers tracking eligibility appetite over time commonly find the realistic shortlist of lenders changes meaningfully within an 18 to 24 month window, which is why historical decline reasons are not always indicative of current outcomes.
The interaction between eligibility and the offered rate matters more than either factor alone. A borrower at the threshold of the major-bank trading-history bar (e.g. 22 months on the same NZBN) can sometimes clear the bar at a higher offered rate, where the credit team is willing to accept the file but only at a price that reflects the thinner history. The "decline" outcome and the "approve at higher rate" outcome are widely treated as alternatives in the credit-team meeting, which is why a single application can produce conditional approvals at multiple price points.
Industry appetite
Lender industry appetite is rarely published explicitly but is widely observed in NZ market practice. The table below summarises the indicative appetite at the major-bank tier and the alternative-lender tier for a representative set of NZ industries. Asset financiers commonly accept any industry where the asset itself is fundable.
| Industry | Major-bank appetite | Alternative-lender appetite | Notes |
|---|---|---|---|
| Professional services (accounting, legal, consulting) | Strong | Strong | Low capex, stable cashflow, well-served across the market |
| Construction and trades | Moderate to strong | Strong | Trade-services well-served; large-contract construction more cautious |
| Retail (bricks-and-mortar) | Cautious | Moderate | Margin pressure widely cited; foot-traffic dependence flagged |
| E-commerce | Cautious | Strong | Bank-statement-driven underwriting suits the alternative-lender model |
| Hospitality (cafe, restaurant, bar) | Cautious | Moderate | COVID-era hangover still visible at some lenders; lease risk flagged |
| Tourism (operator, accommodation) | Cautious | Selective | Material rebuild post-2022; appetite improving but still cautious |
| Transport and logistics | Strong (asset-secured) | Strong | Asset finance dominates; truck operators well-supported |
| Agriculture and rural | Strong (specialist teams) | Selective | Specialist lenders dominate; livestock-secured well-served |
| Healthcare practices | Strong | Strong | Stable demand, professional borrowers, well-served |
| Manufacturing | Strong (asset-secured) | Strong | Equipment finance dominates; working capital well-served |
| Cannabis-adjacent, adult entertainment, gambling-adjacent | Excluded at major banks | Excluded at most alternative lenders | Specialist lender market only |
Indicative appetite only. Each lender publishes (or maintains internally) its own industry policy; actual appetite depends on specific deal shape and the borrower profile.
Worked scenarios
Three indicative scenarios across the NZ market, illustrating how eligibility outcomes vary by structure, trading history, and lender type. Figures are illustrative only and do not represent any specific lender's policy.
Limited company, two directors, $35K monthly revenue, no property, clean Centrix files.
The company falls below the 24-month trading-history bar at major banks. Major-bank applications would typically be declined at the front door without further assessment, regardless of revenue or credit file.
Secondary banks and alternative lenders are the realistic shortlist. A secondary bank application could clear at 14 months trading subject to revenue and serviceability; an alternative lender application would commonly clear inside 48 hours. The trade-off is rate, with alternative-lender pricing typically sitting 3 to 8 percentage points above the major-bank band.
In this scenario, an alternative-lender unsecured term loan of $40K over 36 months is the realistic outcome. The application would commonly draw down inside 5 business days. At month 24 of trading, refinancing into a major-bank product becomes a realistic consideration.
Indicative figures
Sole trader software developer, $12K monthly revenue, no property, no security to offer, single old paid default on Centrix.
The sole trader sits below the trading-history bar at major banks (24 months) and below the typical revenue bar for an unsecured term loan in the major-bank tier. The single old paid default would be cleared at most lenders with explanation but adds friction at the strictest tier.
Alternative lenders are the realistic shortlist for the unsecured ask. An online-specialist lender accepting from 3 to 6 months of trading is the most likely path; the indicative amount would commonly be capped at $25K to $40K given the revenue scale.
In this scenario, an unsecured short-term loan of $25K over 18 months is the realistic outcome, at a rate at the higher end of the alternative-lender band. The sole trader could later step up to a longer-term, lower-rate product once trading history extends past 18 to 24 months.
Indicative figures
Limited company, three directors, property-secured, clean credit, asset finance for $180K equipment upgrade.
The company comfortably clears the eligibility bar at all NZ lender tiers. Six years of trading, $1.2M turnover, property security available, and clean credit files put the file at the strong end of the underwriting spectrum.
For the equipment-finance ask specifically, a specialist asset financier (UDC, Heartland Asset Finance, or similar) is widely chosen for the structure simplicity and direct supplier-payment workflow. Major-bank asset-finance teams compete on rate, particularly where the existing trading-bank relationship is strong.
In this scenario, the realistic outcome is a chattel mortgage facility at the lower end of the asset-finance rate band, with PPSR registration over the equipment and a director PG. Drawdown commonly completes inside 5 business days. The company would clear any NZ business lender it approached.
Indicative figures
Eligibility pitfalls
Most eligibility declines in the NZ market trace to a small set of recurring issues. Each is identifiable in advance and either fixable (over time) or workable around (by selecting a lender whose policy fits).
A business under 12 months of trading is widely declined by major banks and many secondary banks. Online specialists and asset financiers remain the realistic shortlist. The wall is real and is a function of credit-file thinness rather than business quality.
Each lender publishes (or maintains internally) a minimum monthly revenue floor. A business under $5K monthly revenue is widely outside the standard NZ business-loan market and falls into either personal credit or specialist micro-lending, where eligibility and pricing are different.
IRD arrears within the last 12 months, particularly when flagged via Centrix, are a hard stop at major banks and a serious negative at most alternative lenders. Some lenders proceed where an IRD arrangement is in place and current; the file is materially harder.
A director with two or more historical company failures (struck off, liquidated, in receivership) on the Companies Office record carries underwriting friction across the market. Older failures with documented context are more often accepted than recent unexplained ones.
Cannabis-adjacent, adult entertainment, gambling-adjacent, and unregulated crypto businesses are excluded by most mainstream NZ lenders. The realistic shortlist for these industries is a small specialist segment, with materially different rate and term profiles.
Trust borrowers commonly stumble on incomplete trust deeds, missing trustee resolutions, and unclear settlor history. The eligibility bar at the lender side is the same; the documentation hurdle is higher and lengthens the application timeline by days to weeks.
NZ-resident director or trustee is a near-universal requirement at NZ business lenders. Companies with all directors offshore are commonly directed to specialist lenders or to the offshore parent's lending market, even where NZ revenue is otherwise strong.
Eligibility positioning
01
A Centrix consumer credit report is available free annually under the Privacy Act. Reviewing the director-level files in advance surfaces any historical defaults, judgements, or IRD flags that warrant explanation, before the lender finds them. The shortlist of lenders can then be calibrated to the actual file rather than the assumed file.
02
The trading-history bar is not a single number across the market. A business at 8 months sits inside the online-specialist and some-alternative-lender envelope but outside the bank envelope. Mapping the trading-history clock to the lender bands narrows the realistic shortlist and avoids declined applications that leave a Centrix footprint.
03
A common eligibility pitfall is requesting a loan amount the revenue scale does not service. NZ lenders commonly cap unsecured loan amounts at roughly 50% to 100% of monthly revenue (varies by lender and product). A right-sized application clears more easily than an oversized application, even at the same lender.
Test the maths
The calculator below shows indicative monthly repayments on a $50K, 3-year, 14% loan as a starting point at the alternative-lender band typical for borrowers who clear the 6-month and $5K-monthly thresholds. Adjust the amount, rate, and term to model the deal under consideration. Figures are indicative only and do not represent any specific lender's offer.
Indicative repayment
Weekly
$394/week
Indicative only. Not a quote or offer of credit. Actual rates, fees, and repayments depend on the business profile and the lender's decision.
Sending to Prospa
3 years at 14.00%. Prospa will ask a few quick questions, then provide a firm quote and funding if eligible.
Redirecting…
Methodology
This guide is a class-information walkthrough drawn from publicly available NZ lender documentation, FSPR-listed broker disclosures, the Companies Office NZBN documentation, the Reserve Bank of NZ's Banking Supervision handbook, and the Commerce Commission's CCCFA framework. It is not personalised financial advice and does not represent any specific lender's underwriting policy. The intent is to provide NZ borrowers with a realistic baseline against which to evaluate their own eligibility before approaching a lender, so the lender shortlist can be calibrated to the actual position rather than the assumed position.
The trading-history and revenue thresholds reflect the commonly observed bars across the NZ market in 2026, expressed as indicative bands rather than published commitments. Individual lenders publish (or hold internally) their own thresholds, which can move with funding-cost cycles, regulatory changes, and internal portfolio settings. The thresholds in this guide are central tendencies, not guarantees. A borrower marginally below a stated threshold is not automatically declined; the file may still clear at a higher offered rate or smaller approved amount, subject to the lender's assessment.
The industry-appetite table reflects observed appetite at major-bank and alternative-lender tiers in the NZ market. Specialist asset financiers commonly cross industry lines because the asset secures the facility independently of the industry classification. The COVID-era hangover in tourism and hospitality is widely discussed in the NZ market and reflected in published lender commentary, though the magnitude varies by lender. The appetite signals in this guide are informed by lender published commentary, broker market intelligence, and Stats NZ business-population data, none of which are predictive of the outcome on a specific application.
CCCFA scope statements in this guide reflect the framework as set out by the Commerce Commission. The application of the CCCFA to a specific borrowing depends on the predominant purpose of the borrowing and is fact-specific. Tax, GST, and accounting items are general in nature and subject to the accountant's confirmation on the specific business position. The lastReviewed date at the top of the page is the authoritative freshness signal; this guide is reviewed against material lender or regulatory changes rather than on a fixed cadence. Borrowers with a complex eligibility position (impaired credit, recent restructure, trust borrower, multi-entity group, non-resident director) are widely advised to seek personalised guidance from a registered financial adviser or specialist business-finance broker rather than relying on a class-information guide alone.
References
NZBN registration framework, required on every NZ business loan application.
Director and shareholder profile information referenced in eligibility assessment.
IR3 (sole trader) and IR4 (company) tax return framework underpinning eligibility documentation.
CCCFA scope governing sole-trader and personal-guarantor edge cases.
Capital and lending standards that shape major-bank underwriting posture.
Privacy Act 2020 framework for Centrix credit-file access and correction.
NZ business population data used as industry-appetite context.
NZ SME lending market context underpinning the eligibility framework.
FAQ
The trading-history bar varies by lender type. Major banks (ANZ, BNZ, Westpac, ASB, Kiwibank) commonly want 24 months on the same NZBN. Secondary banks (Heartland, Co-operative) typically accept 12 to 24 months. Alternative lenders (Prospa, Bizcap, Lending Crowd) commonly accept 6 to 12 months. Online specialists sometimes accept from 3 months. Asset financiers focus on the asset and commonly accept thinner trading history. The trading-history clock typically resets where the NZBN changes (restructure, new entity, ownership change), regardless of the operational continuity of the underlying business, subject to the lender's assessment.
Indicative monthly revenue floors run roughly $50,000 for major-bank term-loan facilities, $20,000 for secondary banks, and $5,000 to $10,000 for alternative lenders. Asset financiers focus on the asset value and commonly do not publish a revenue floor. Each lender holds its own floor; the figures here are central tendencies in the NZ market in 2026.
Yes. Sole traders are widely served by NZ business lenders, including alternative lenders, asset financiers, and major banks. The application documents typically substitute IR3 personal income tax returns for IR4 company returns, and the NZBN is held against the individual rather than a registered legal entity. Some sole-trader borrowings can fall under the CCCFA where the borrowing is wholly or predominantly for personal use, subject to the lender's assessment.
Yes, though the documentation is heavier. Trust borrowers commonly need the trust deed, a trustee resolution authorising the borrowing, settlor history, and identification for each trustee. Trust applications take longer to clear because the lender needs to verify the trustee authority and the trust's capacity to borrow. Most NZ banks and many alternative lenders accept trust borrowers; some smaller specialists do not.
In almost all cases yes. The New Zealand Business Number is a free identifier issued by the Companies Office, available to companies, sole traders, partnerships, and trusts. NZ lenders use the NZBN to verify entity registration and pull standardised business information. Applications without an NZBN typically stall at the document-pack stage, even with alternative lenders.
NZ-resident director or trustee is a near-universal requirement at NZ business lenders. Companies with all directors offshore are commonly directed to specialist lenders or to the offshore parent's lending market. Some lenders accept Australian-resident directors on cross-Tasman group structures; full offshore-only structures are rarely served by the standard NZ business-loan market.
Recent IRD arrears (within the last 12 months) flagged via Centrix are widely treated as a serious negative by NZ business lenders. Major banks commonly treat unresolved arrears as a hard decline at the front door. Some alternative lenders proceed where an IRD arrangement is in place, current, and being met; the file is materially harder and the offered rate is typically higher. Resolved historical arrears with documented context are more workable than current unresolved arrears.
NZ business lending does not use a single published credit-score threshold. Centrix produces a director-level consumer credit score and an entity-level commercial credit score, both of which feed into lender assessment. As an indicative range, a director consumer score above 700 is widely treated as strong, 500 to 700 as workable, and below 500 as significantly impaired. Individual lender thresholds vary and the score is one input among many.
Eligibility for impaired-credit borrowers narrows but is not zero. Old paid defaults are widely accepted across the NZ market with explanation. Recent unpaid defaults, judgements, or active insolvency are hard stops at most lenders. Specialist impaired-credit lenders exist in the NZ market but charge materially higher rates and tighter terms. The realistic path for impaired-credit borrowers is asset-secured finance or specialist lending, subject to the lender's assessment.
Cannabis-adjacent businesses, adult entertainment, gambling-adjacent businesses (e.g. TAB-affiliated operators), and unregulated crypto businesses are excluded by most mainstream NZ lenders. Some lenders also limit appetite in pyrotechnics, firearms (outside licensed retailers), and certain high-risk personal services. Tourism and hospitality remain comparatively cautious appetite areas at some major banks, with the COVID-era hangover still visible in 2026.
No, unsecured NZ business loans are widely available, particularly through alternative lenders. The trade-off is rate, with unsecured loans typically pricing 2 to 8 percentage points above an equivalent secured product. Personal guarantees from directors are near-universal regardless of whether the loan is otherwise secured. Property security commonly clears lower trading-history and revenue bars; chattel mortgage on a vehicle or equipment commonly clears lower bars on asset-finance products.
Maximum loan amounts vary sharply by lender type. Major banks lend into the multi-million-dollar range on relationship-managed deals, particularly where property security is on offer. Secondary banks commonly cap at $1M to $2M. Alternative lenders commonly cap at $250K to $500K. Online specialists commonly cap at $150K. Asset financiers cap at the asset value, which can extend into seven figures for heavy equipment and commercial vehicles.
Personal guarantees from directors are near-universally required on NZ SME business loans, so the question is more about scope than presence. The lender pulls a Centrix consumer file on each guarantor. A guarantor with a clean file strengthens the application; a guarantor with material defaults, judgements, or insolvency history can drag the file into decline territory or shift the offered rate higher. Guarantor profile is part of the eligibility picture, not separate from it.
Structure shapes the documentation and the legal-form of the borrowing, more than the absolute eligibility bar. Companies are the standard NZ business-borrower form and the most-served. Sole traders are widely served, with simplified documentation. Partnerships are served but require all partners on the application and PG. Trusts are served but with heavier documentation. The eligibility bar (trading history, revenue, credit file) is broadly the same across structures, but the friction differs.
The standard NZ business-loan market is largely closed to pre-revenue startups. Major banks, secondary banks, and most alternative lenders require demonstrable trading and revenue before assessment. Pre-revenue startups commonly access capital through equity (angel investors, seed funds, NZ Growth Capital Partners), founder borrowing on personal credit lines, asset-secured lending against tangible business assets where they exist, or the InvestNZ co-investment ecosystem. Some specialist startup lenders exist but the eligibility bar is set by founder track record and intellectual-property valuation rather than by traditional trading metrics.
Sometimes, subject to the lender's assessment. A common scenario is a sole trader incorporating into a limited company; the new company has zero trading history on its own NZBN, but the underlying business has been operating for years. NZ lenders commonly accept the carry-forward where the bank statements, financials, and tax records show clear continuity of customers, revenue, and operations across the restructure. Where there is a genuine break (sale to new owners, change of business model, gap in trading), the clock resets. The decision is fact-specific and varies by lender.
The documentation that proves eligibility commonly includes 6 to 12 months of business bank statements (trading history and revenue), one to two years of signed financial statements (revenue and profitability), the most recent two to four GST return periods (turnover cross-check), IR3 or IR4 income tax returns (annual position), the NZBN registration certificate, drivers licences for directors, and a Centrix consumer credit report on each director. For trust borrowers, the trust deed and a signed trustee resolution are added; for property-secured loans, a recent valuation; for asset finance, the supplier invoice or quote.
Related
How to apply for a business loan in NZ
The end-to-end application walkthrough that follows once eligibility is mapped.
Read onNZ business loan rates 2026
How the eligibility profile translates into the offered rate band.
Read onEquipment finance
The asset-secured product where the eligibility bar is consistently lowest.
Read onWorking capital
The use case dominated by alternative lenders and the lower-trading-history threshold.
Read onHeartland Bank
A registered NZ bank with eligibility settings sitting between major-bank and alternative-lender tiers.
Read onDisclaimer
A business loan is a commitment that runs for months or years, and repayments come out of the same operating cash flow as everything else. Before committing, it is worth modelling the weekly and monthly cost against the business's working-capital position, which is what this site is built to help with. Borrowing at a level that stays comfortable through a quiet quarter, not just a strong one, is widely regarded as the safer frame.
What this site is
A calculator and information tool. Not a lender, not a broker, not a registered financial adviser. Nothing here is personalised financial advice.
What the figures show
Modelled estimates based on the inputs you enter. Not a quote. Not an offer of credit. Not a guarantee of approval, rate, or fees.
What the lender decides
Final rates, fees, and approval are set by the lender after a CCCFA-appropriate assessment of the applicant's circumstances and credit decision.
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Tax, GST, and accountant framing
Tax-treatment statements (GST claim timing, interest deductibility, depreciation rates) are general in nature and subject to your accountant's confirmation on the specific business position. For material amounts, professional advice from a registered financial adviser or chartered accountant is widely regarded as the safer frame.
