Business Loan
A general-purpose business term loan for working capital, growth, marketing, and one-off business costs.
- Amount: $20K to $500K typical
- Term: 6 to 36 months
- Security: PG, sometimes asset
Lender
GetCapital business lending overview.
A trans-Tasman alternative business lender with a focus on asset-secured short-term lending and working capital for established mid-market NZ SMEs.
Visit GetCapital Last reviewed 5 May 2026
Indicative repayment
Weekly
$1,662/week
$7,202 /month $22,846 total interest
$150,000
$5,000 $500,000
2 years
6 months 5 years
14.00% p.a.
8% (secured) 30% (unsecured)
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
Your $150,000 scenario
2 years at 14.00%. Prospa will ask a few quick questions, then provide a firm quote and funding if eligible.
Redirecting…
Educational
Indicative only. Why we say this
Quick answer
What you need to know about GetCapital business lending.
- Trans-Tasman alternative lender An Australian-origin alternative lender with a NZ presence. Not a registered NZ bank.
- Mid-market focus Common amounts $20K to $1M+. Established SMEs with consistent turnover are the typical fit.
- Asset-secured strength Asset-backed short-term lending and working capital lines are the core product set.
- Mid-priced Indicative bands typically 10% to 22% across products. Priced between major banks and the smallest online alternatives.
Lender overview
A trans-Tasman alternative lender focused on mid-market NZ SMEs.
GetCapital is an alternative business lender that originated in Australia and extended into the New Zealand market, with a focus on asset-secured short-term lending, business term loans, and working-capital lines. The lender is privately backed and operates outside the registered-bank framework, meaning credit appetite is broader than the major banks but the indicative pricing reflects the alternative-lender risk premium.
The product set is built around established SMEs rather than pre-revenue startups. Common amounts run from around $20,000 to $1,000,000+ on the asset-secured product, with terms typically 6 to 36 months on the shorter unsecured products and longer where commercial property or specific assets sit behind the loan.
GetCapital sits in a useful position in the NZ market for mid-market borrowers (annual turnover commonly $1M+) who need more than the smallest online alternative lenders typically offer but want a faster path than a major-bank application.
Loan range
$20K to $1M+
Term
6 to 36 months typical
Origin
Trans-Tasman
Type
Alternative lender
Product range
GetCapital's NZ business lending products.
Asset-Secured Loan
A larger business loan secured against business assets (commonly equipment, vehicles, or commercial property). Lower indicative pricing than unsecured.
- Amount: $100K to $1M+
- Term: 12 to 60 months
- Security: Specific asset or general charge
Business Line of Credit
A revolving facility drawn and repaid on demand, with interest charged only on the drawn balance.
- Limit: $20K to $250K typical
- Term: Revolving, reviewed annually
- Security: PG, sometimes asset
Equipment Finance
Asset finance against new or used commercial equipment, vehicles, and machinery. Chattel mortgage typical.
- Amount: $50K to $500K+
- Term: 1 to 5 years
- Security: The asset
Indicative pricing
Where GetCapital prices on each product.
| Product | Indicative rate band | Common term | Security |
|---|---|---|---|
| Business Loan (unsecured) | 14% to 22% p.a. | 6 to 36 months | PG |
| Asset-Secured Loan | 10% to 16% p.a. | 12 to 60 months | Asset or general charge |
| Business Line of Credit | 12% to 20% p.a. | Revolving | PG, sometimes asset |
| Equipment Finance | 10% to 15% p.a. | 1 to 5 years | Asset (chattel mortgage) |
| Commercial Property Loan | 8% to 12% p.a. | Up to 15 years | Property |
Where it fits
Where GetCapital fits on a NZ business loan shortlist.
GetCapital often suits
- Established mid-market NZ SMEs (12+ months trading, $1M+ annual turnover) needing $100K to $1M+ on a faster path than major-bank.
- Asset-secured borrowers with a clean asset base where security supports better indicative pricing than unsecured.
- Refinance scenarios consolidating several higher-priced unsecured facilities into a single asset-secured loan.
- Working-capital lines for businesses with seasonal stock or debtor cycles.
- Borrowers comfortable with a broker-assisted application.
Where to look elsewhere
- Pre-revenue or very-early-stage businesses, where GetCapital trading-history thresholds typically exclude.
- Borrowers who can clear a major-bank application at typically lower pricing.
- Same-day unsecured working-capital funding under $50K, where smaller online alternative lenders often turn around faster.
- Specialised invoice or debtor finance, where dedicated specialists are typically the cleaner fit.
- Borrowers wanting a registered NZ bank counterparty specifically.
Editorial-only disclosure
This page is independent editorial.
Businessloans.org.nz is not affiliated with GetCapital, has no commercial relationship with GetCapital as at the last reviewed date, and earns no referral revenue. Our calculator referral path is to Prospa, disclosed at /partner/. Indicative content only.
References
Sources
- GetCapital NZ: Business loans
Primary product range and indicative positioning reference.
- NZ Companies Office
Public corporate registry record for verification of NZ entity.
- Reserve Bank of NZ: Registered banks list
Confirmation that GetCapital is not a registered NZ bank.
- Commerce Commission: Business lending guidance
Regulatory framing for non-bank business lenders operating in NZ.
- MBIE: Small Business Council reports
Context on NZ SME access to finance and the alternative-lender segment.
FAQ
GetCapital business lending, questions answered
Who is GetCapital and where do they operate in New Zealand?
GetCapital is a trans-Tasman alternative business lender that originated in Australia and operates into New Zealand, focused on asset-secured short-term lending, business loans, and working-capital lines for established SMEs. The lender is not a registered NZ bank.
How much can a NZ business borrow from GetCapital?
GetCapital common amounts run from around $20,000 on the smaller working-capital products up to $1,000,000+ on asset-secured and commercial property-secured loans. The actual amount depends on cash-flow capacity, security profile, and trading history.
What rates does GetCapital charge on NZ business loans?
GetCapital prices each application individually rather than publishing a single advertised rate. Asset-secured loans commonly price 10% to 16% indicative; unsecured business loans run higher. Property-secured commercial loans typically price toward the lower end.
How long does a GetCapital application take?
Smaller working-capital and asset applications often turn around within 3 to 7 business days. Larger or property-secured applications typically take 2 to 4 weeks to settlement. Pre-qualification is commonly returned same day on the initial application.
Is GetCapital a registered bank in New Zealand?
No, GetCapital is not on the Reserve Bank of NZ registered-banks list. It operates as an alternative business lender, which means a different regulatory tier from a registered bank.
Does GetCapital offer working capital lines of credit?
Yes, GetCapital offers a Business Line of Credit product where the facility is drawn and repaid on demand, with interest charged only on the drawn balance. Limits are commonly $20,000 to $250,000.
What documents does GetCapital require on a business loan application?
Standard application documents are NZBN registration, business owner ID, last 6 months of business bank statements (commonly pulled via Xero or MYOB integration), the most recent annual financial statements, and director consent for credit checks.
Is GetCapital interest tax deductible for a NZ business?
Interest on a business loan from GetCapital is generally deductible against business income where the loan is used for business purposes, subject to the accountant's confirmation on the specific structure.
How does GetCapital compare to a major NZ bank?
GetCapital typically offers a faster decision and a broader credit appetite than a major NZ bank, with simpler documentation. The trade-off is indicative pricing that runs above the major-bank rate, particularly on unsecured products.
Can GetCapital refinance existing higher-priced business debt?
Yes, GetCapital runs a debt-consolidation product structured to pay out existing higher-priced facilities and replace them with a single asset-secured loan at lower indicative pricing.
What happens if a GetCapital business loan goes into default?
On default, the lender's remedy depends on the security structure. On asset-secured products GetCapital can recover the registered asset under the PPSR security interest; on property-secured products the mortgage process applies; on unsecured products the personal guarantee against directors is the recovery mechanism.
Does GetCapital lend on commercial property in NZ?
Yes, GetCapital has a Commercial Property Loan product for purchase, refinance, or business expansion against commercial real estate. Indicative pricing is the lowest in the GetCapital range because property security carries the strongest recovery profile.
Related
Related reading
Asset finance
A core GetCapital product.
Read onWorking capital loans
The product family GetCapital working-capital lines and short-term loans sit inside.
Read onSecured business loans
How asset-secured pricing typically compares against unsecured alternatives.
Read onScaffolding and rigging loans
Inventory-heavy NZ scaffolders are a common GetCapital asset-finance cohort.
Read on