Crediflex business lending overview.

Crediflex offers unsecured commercial finance focused on working capital and growth lending for established NZ SMEs. The product set centres on term loans for cash-flow gaps, marketing pushes, hiring rounds, stock builds, and small acquisitions, rather than asset-secured chattel mortgages or property-secured commercial mortgages. The model is broker-and-lender hybrid: some applications fund internally, others are placed across a NZ funder panel.

On a single intake the application can land in two places: funded directly on Crediflex's own book, or placed with a panel funder. The borrower commonly sees the same intake call, documentation run, and credit assessment, with the funding source confirmed at offer stage rather than at intake. The model differs from a pure direct lender (Line Capital) and a pure broker (a panel arranger that holds no balance sheet of its own).

Crediflex does not advertise a single rate. Pricing is set after credit assessment and depends on facility size, term, trading profile, and whether the facility funds internally or across the panel. Observed indicative bands across the unsecured non-bank NZ market in 2026 sit around 15% to 24% p.a. on the entry band and 12% to 18% p.a. on the growth band reflecting GSA registration. Actual rates depend on the lender's assessment.

Smaller PG-only working-capital facilities commonly receive a decision within 2 to 5 business days subject to bank-statement review. Larger growth facilities ($150K and above) typically run 3 to 7 business days, particularly where a panel placement is involved or a forward cash-flow forecast underpins the application. Settlement and drawdown commonly add another 2 to 4 business days for AML/CFT identity verification and security registration.

Up to mid-band facility sizes the structure is typically a director's personal guarantee only, with no GSA registered. Above that mark a General Security Agreement is registered on the Personal Property Securities Register (PPSR) alongside the personal guarantee. The accountant and commonly the solicitor are the right people to confirm how a GSA interacts with existing PPSR registrations and shareholder-loan structures.

Repayments are commonly set on a weekly or fortnightly cadence rather than a single month-end debit, with the cadence tuned at facility origination to the revenue rhythm of the borrower. Hospitality and retail commonly choose weekly to track Friday-Saturday revenue; professional services and trades commonly choose fortnightly to align to invoice runs. Cadence is set in the facility deed at origination.

Crediflex operates as a NZ commercial finance provider, registered on the Financial Service Providers Register (FSPR) under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. The lender is subject to AML/CFT obligations under DIA supervision and FMC Act fair-dealing obligations covering marketing and disclosure. Business lending to non-natural-person borrowers commonly sits outside the CCCFA, but the position depends on the structure of any personal guarantor borrowing.

Finance interest paid on borrowing for business purposes is generally deductible against business income, subject to the accountant's confirmation on the specific position. Repayments themselves are not GST-liable on business term loans, although the underlying purchases the loan funds may be GST-claimable in the appropriate GST return where the business is GST-registered. The IRD income-tax-for-businesses page is the primary reference and the accountant is the right person to confirm.

Crediflex operates a broker-and-lender hybrid model: a single intake can land internally or with a panel funder. Line Capital operates as a pure direct lender, funding only from its own balance sheet within a $10K to $500K facility band. The Crediflex model widens the shortlist of funders considered from one intake; the Line Capital model offers a single in-house underwriting view. The right shape depends on whether the borrower prefers a wider shortlist or a single funder relationship.

A typical application attaches the NZBN registration, business owner ID, last 6 to 12 months of business bank statements (often via accounting-software or open-banking integration), recent GST returns, and director consent for credit check. Growth and acquisition facilities commonly add a P&L statement and forward cash-flow forecast prepared with the accountant, plus the GSA documentation registered on the PPSR before settlement.

Crediflex commonly funds retail (seasonal stock builds, fit-out refreshes), hospitality (working capital between seasons), trades and construction (progress-payment gaps, contract-win funding), professional services (hiring rounds, marketing pushes), personal services (beauty, gym, allied health), and logistics. Heavy-asset purchases and pre-revenue startups are typically outside the working-capital-and-growth product set.

On default, the first remedy is the personal guarantee held against directors. Above the GSA threshold, the General Security Agreement registered on the PPSR allows the lender (or panel funder) to recover assets covered by the GSA. Persistent non-payment moves to formal default and credit-file marks under the Privacy Act information-sharing arrangements via Centrix or Equifax. Working with the lender early on a temporary cash-flow setback is widely the cleaner outcome for both sides.