Cashflow Funding Loans

What can Cashflow funding do for you?

 Enhanced Inventory Management

Enhanced Inventory Management

Stock purchasing loans empower businesses to optimize their inventory management by providing timely capital for procuring essential stock, preventing shortages, and meeting customer demand efficiently.

 Business Expansion

Business Expansion

Leveraging stock purchasing loans enables businesses to capitalize on expansion opportunities by securing the inventory needed to enter new markets, introduce new product lines, or scale their operations.

Seasonal Demand Management

Seasonal Demand Management

Stock purchasing loans offer a solution for businesses facing seasonal fluctuations in demand, ensuring they can stock up on inventory during peak periods and adjust stock levels as demand subsides, all while maintaining steady operations.

What people say about us

What would it cost?

Understanding the exact cost of a personal loan is crucial. Use our easy-to-use calculator that provides you with an accurate estimate, taking into account all fees typically involved. We believe in transparency, so you can make informed decisions about your finances.

How much do you want to borrow?


24 Months

13.95% (annually)

Your repayment estimate

Weekly Fortnightly
Amount Borrowed $3,000
Establishment Fee $195
PPSR Fee $8.05
Amount Borrowed $3,203.05
Interest $486.04
9$ Monthly Fee $216
Total $3,905.09
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*This is an example of a common loan request and gives you an indication of what the monthly loan repayments will be. Your establishment fee may be different depending on the security used, complexity and the time taken to process your application. You may also optionally take payment protection insurance which would increase your total cost.

Our rates and fees

Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same. So if it is a short term Bridging loan, Debt consolidation, Personal Loan, Home renovations, Car Loan, Holiday, Funeral or Business loan we have the loan for you.

Establishment Fee Range

$165.00 – $550.00

Interest Rate Range

11.95% - 22.95%

Loan limits

$2000 - $100,000

Loan terms

1 Month - 7 Years

Other information you need to know

  • All loans need to be secured.
  • There is no early repayment fee.
  • Your rate is fixed for the term of the loan.
  • You can pay Weekly, Fortnightly or Monthly.
  • Need to change your payment date just give us a call.
  • Statements are sent every 6 months.
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For further information please, see our rates and fees.

The benefits?

Below is a list of benefits of getting a business loan:

  • Using a loan to fund the purchase of a new vehicle, machine or stock means you will spread the business expense out over a period of time rather than in one large lump sum
  • Helps the business retain funds for working capital
  • Enables your business to gain the assets you need to grow your business

What are the risks?

One of the main risks for businesses these days is getting the wrong type of loan for the business. It is important to ensure the loan you take does not put your business under any undue financial strain.

Some things to think about are:

  • What am I getting the loan for and how will I be repaying the loan
  • If I take it over the short term how will that impact my business cash flow
  • What extra fees will be charged if I take it over a long term but settle early

For more information on things, you need to consider have a look at this website by the Ministry of Business, Innovation and employment

For further information about businesses, you can go directly to their website here.

How to decide what term?

Short Term loanLong term Loan
Purchase stock and materialsVehicle or Machinery purchase
Cover Wages or contractor expensesUpgrade IT or Phone System
Invoice financingFund an advertising campaign or promotion


Depending on the finance company and the conditions of the loan it may be ok for you to take a loan over a long term for a short-term reason but you should settle the loan early when the funds become available.

Short-term loans are usually taken as you need funds until a large sale is finalised or a job you have been working on is completed.


Simon is working on a project which is going to take him a year to complete and get paid. He does not have enough money to cover the cost of completing the project without it impacting the rest of his business.

He has decided to borrow $50,000.00 to cover the cost of materials and staffing for this project. Once the project is completed he stands to receive a payment of $120,000.00 so this is of great benefit to him.

The decision has been made to borrow the funds in the short term and he has two options in front of him a short-term unsecured loan or a 5-year loan using his property as security:

12 Month Loan5 Year Loan
Loan Amount$50,000.00$50,000.00
Establishment Fee$1,250.00$1,250.00
Caveat Fee$0.00$315.00
Interest Rate37%$16.95%
Monthly Fee$0.00$12.00
Weekly Repayments$1,184.83$295.43
Early Settlement Fee$0.00$75.00
Final Settlement$1,184.83$44,358.37
Total Paid$61,610.58$59,875.73


As you can see both loans give Simon access to the funds he requires however the 12-month loan comes at a higher interest rate and larger weekly repayments.

Using his property as security and taking the loan over 5 years means he can use the money he receives from his completed project to pay back the loan. He will also have the benefit of his weekly repayments being $889.40 less putting less strain on his cash flow and saving himself $1,734.85 in interest repayments

What are the risks?

It is important you take the right loan for your business and these are some of the risks:

  • Taking a long-term loan say over 4 years to cover the purchase of materials to complete a job means you have committed to making repayments on a loan for 4 years while the job may have been completed within months of the loan being taken.
  • Likewise taking a short-term loan to pay for a new vehicle because you are waiting on funds from some work you have completed may leave you short on cash flow.

What you need to look at is the early exit fees from a long-term loan and compare these with the Interest rate you will be paying on a short-term loan. Our early settlement fee is $75 and may be worthwhile taking as the interest rate is likely to be lower.

How to apply

You can apply for a business loan with Pioneer Finance if you are:

  • Over the age of 18; and
  • A New Zealand Citizen, Permanent Resident, or in some instances on a work visa; and

You do need to show that you have the affordability for the loan and that you are who you say you are. You can do this by providing the following:

  • Proof of Identity – i.e passport or driver’s license
  • Proof of Address – Bank statement, utility bill or a letter from a government department
  • 3 Months bank statements
  • Most recent Financial Accounts

Depending on the security offered for the loan we may require further information such as rates notice, mortgage statements or proof of purchase.

What checks will you complete using my information?

Depending on the security offered we will do checks with the following registers:

  • Credit checks with 1 or more of the following Equifax, Centrix or Illion
  • PPSR
  • Land online
  • New Zealand transport
  • Driver Check

Don’t worry if your credit check has a couple of bumps and bruises we may still be able to help you.

Business Loans or Business Asset Finance Fees and Charges

Business loans will have various fees attached, which may include:

  • An establishment fee once your loan is approved and you have accepted the terms
  • Ongoing monthly account fees
  • Security registration fees
  • Caveat registration fee
  • Penalty fees for late payment
  • Early settlement fee
  • Caveat removal fee
  • One-time broker fees if using a finance broker

Some of these fees will be charged to the loan upfront or are calculated in your weekly, fortnightly, or monthly installments. Other fees can be charged at the end of the loan term such as early settlement fees or if you used your property as security a caveat removal fee can be charged.

For more details on our fees and charges go to our Interest rates and fees page in the important information section.

What areas in New Zealand do you cover?

That’s easy through our Offices in Wellington & Auckland we cover the whole of New Zealand and a large part of our application process can be done via our website, e-mail, and telephone.

Business Loans FAQ

If you are over the age of 18 (up to the age of 21 you may require a guarantor), a permanent resident of New Zealand, earn a regular income, and can demonstrate the ability to repay the loan, you may qualify for a personal loan.

We offer loans from $5,000 to $100,000 on a business loan in New Zealand. The amount we lend does depend on the security offered for the loan. The more security offered the better chance we will be able to lend the amount you require. We will also need to check your affordability and credit profile.

Approval time depends on some variables:

  • How much information you provide, the more information you provide the quicker we will be able to give you an answer.
  • Larger loans tend to take a little extra time
  • Loans with property involved can also take a little longer to get approved

In saying that we do endeavour to give a same day answer on all applications received.

Yes, you can make extra repayments; or you can increase your minimum repayment to help pay your loan off earlier. We do charge a small early settlement fee of $75.