Fulfill your business goals with the flexible business loans NZ
Business comes with numerous challenges and finance should not be one of them. Link Finance helps entrepreneurs secure fast business loans, allowing them to focus on growing their businesses without stress.
A Smarter Way to Borrow
Ready to kickstart your business? Our business loans NZ is made for you
Link Finance Limited helps kiwis who are starting their careers as entrepreneurs or expanding their businesses. We understand your business goals and find the right finance that suits you.
Loan term
We offer convenient loan terms ranging from 5 months to 5 years, whichever suits you.
Loan purpose
Our business loans nz cover expenses like marketing, staff management or equipment upgradation.
Loan types
Link finance provides both secured and unsecured business loans. Having an asset already will save you from higher interest rates. However, if you don’t have it, we will still help you.
Loan repayments
Choose if you want to make the repayments weekly, fortnightly, or monthly depending on your business cash flow.
Interest rates
Our business loan interest rate is adjusted depending on your financial conditions starting from just 8%.
Loan fees
Link Finance is quite transparent about the fees whether it’s establishment fees or admin costs. No hidden charges.
Who can apply?
Requirements to apply for a business loan in NZ
At Link Finance, we make it easy for New Zealand businesses to apply. Here’s what we generally look for:
- Be 18 years or older
- Be a New Zealand citizen, resident, or hold a valid NZ visa
- Have a valid driver’s licence
- Have been trading for at least 6 months (for some loans)
- Minimum annual income of $30,000 (personal or business combined)
We also help new startups through small business loans tailored for early stage ventures.
Our Simple Process
How business loans work at Link Finance
Getting a small business loan doesn’t have to be stressful. Here’s how our process works:
Apply online
Our simple online form takes just minutes to complete. You’ll upload the necessary documents and give us a snapshot of your business needs.
Fast approval
Our team will review your application and use our in house criteria to match you with the best loan option available. We’re fast, friendly, and judgement free.
Get the funds
Once approved, your funds will be deposited into your account, so you can get back to running your business without delay.
Use our smart loan calculator to estimate your repayments and total loan amount.
Plan Before You Apply
How Much Would You Like To Borrow?
Apply NowEstimated
Repayments From
$783
$46,965 Total
Total $46,850
Calulated At An Example Rate
Why choose Link Finance for your business loan?
Local experts
Our team understands the challenges Kiwi businesses face. We’ll guide you to the right loan without the red tape.
Personalised support
Whether you’re a sole trader, contractor, or company director, our loan advisors work with you to build a custom financing plan.
Fast turnaround
Need capital quickly? Many loans are approved within 1–2 business days, and funds released soon after.
Testimonials
Customer feedbacks
Hear what our valued customers have to say about their experience with our services. We’re proud to deliver satisfaction and lasting impressions.
Build, Grow, and Succeed with business loans
Every business journey is different, but one thing remains true: access to the right funding can make all the difference. Whether you’re upgrading tools, hiring staff, or covering seasonal expenses, our business loans NZ are built to support you at every stage.
Ready to get started? Use our business loan calculator to estimate repayments and apply online today. At Link Finance, we’re all about making finance simple, fast, and fair, so your business can do more, stress less, and grow faster.
Our Rates And Fees
We believe in flexibility, offering tailored solutions without fixed fees or rates. Whether it’s a short term Bridging loan, Debt consolidation, Car Loan and Business loan, we have the right loan to match your unique needs.
Interest Rate Range
8% - 22.95%
Loan Limits
$2000 - $100,000
Loan Terms
1 Year - 5 Years
Frequently Asked Questions
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At LinkFinance, we’re using cutting edge technology to transform the industry and deliver financial services that actually work for you.
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