Get up to $100,000 in less than 60 seconds!

Finance your inventory and keep growing

Inventory and stock financing for businesses. Fast approval and flexible terms to ensure you always have the products your customers want.

Trusted by thousands since 1995

4.7 out of 5
329 reviews onTrustpilot
Pioneer Finance stock purchasing loans

What would it cost?

Understanding the exact cost of a business 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.

$

You can apply to borrow $2000 - $100000

Interest rate 13.95% (comparison rate 13.95%)

Your repayment estimate

$0.00

Weekly repayment

Total Interest:$0.00
Total Fees:$519.00
• Admin Fees ($9/month):$324.00
• Establishment Fee:$195.00
Term Range:1 Month - 7 Years
Interest Rate Range:9.95% - 22.95%

Estimate includes establishment fee of $195.00

Get a quote

Won't affect your credit score.

*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.

Rates, fees and features

Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same.

Establishment Fee Range
$195.00 - $375.00

* Complex loans may have a higher establishment fee

Interest Rate Range
9.95% - 22.95%
Loan Limits
$2,000.00 - $100,000.00
Loan Terms
1 Month - 7 Years
Mobile app available on IOS and Android
Mobile app access
Repay whenever you like
No early repayment fee!
Rates that won't change across your term
Fixed rates
Flexible Payment Options
You can pay Weekly, Fortnightly or Monthly.
Regular Statements
Statements are sent every 6 months.

Why choose Pioneer for stock purchasing?

Keep your shelves stocked and your customers happy with flexible inventory financing.

Keep Inventory Flowing

Finance the inventory your business needs to grow. Borrow from $5,000 to $100,000+ to keep stock levels optimized.

Never Run Out

Don't let stock shortages cost you sales. Finance inventory purchases and keep your customers satisfied.

Competitive Rates

Lock in competitive fixed rates from 9.95% - 22.95%. Budget with confidence knowing your repayments won't change.

Apply Now

Trusted by thousands since 1995

4.7 out of 5• 329 reviews onTrustpilot

"They approved my loan when others didn't. Really helped consolidate everything into one payment!"

Ana

"Professional, understanding staff. Fast and very efficient service."

Lynda

"Easy, quick, amiable & dependable. Been using them for years."

David

"Excellent support. Money was deposited quickly. Really great experience!"

WS

"Helped me celebrate my big day without financial stress."

Tuaine

"Very easy to deal with, flexible and highly reliable."

Malcolm

"Very good connection, fast services. Definitely coming back!"

Alexander

"Everything was simple. Great understanding from the team."

Peter

"They approved my loan when others didn't. Really helped consolidate everything into one payment!"

Ana

"Professional, understanding staff. Fast and very efficient service."

Lynda

"Easy, quick, amiable & dependable. Been using them for years."

David

"Excellent support. Money was deposited quickly. Really great experience!"

WS

"Helped me celebrate my big day without financial stress."

Tuaine

"Very easy to deal with, flexible and highly reliable."

Malcolm

"Very good connection, fast services. Definitely coming back!"

Alexander

"Everything was simple. Great understanding from the team."

Peter

"They approved my loan when others didn't. Really helped consolidate everything into one payment!"

Ana

"Professional, understanding staff. Fast and very efficient service."

Lynda

"Easy, quick, amiable & dependable. Been using them for years."

David

"Excellent support. Money was deposited quickly. Really great experience!"

WS

"Helped me celebrate my big day without financial stress."

Tuaine

"Very easy to deal with, flexible and highly reliable."

Malcolm

"Very good connection, fast services. Definitely coming back!"

Alexander

"Everything was simple. Great understanding from the team."

Peter

How it works

Get your loan in 3 simple steps. Fast, transparent, and designed for you.

01

Complete our simple form

Fill out our quick 3-minute application with your basic details. No lengthy paperwork or complicated questions.

02

Get instant AI-powered decision

Our advanced AI analyzes your application and provides a decision in less than 60 seconds. No waiting days for approval.

03

Receive your funds same day

Once approved and documents signed, funds are typically disbursed the same business day. Get the money you need when you need it.

Apply now
Decision in under 60 seconds

Success stories from our business clients

See how our stock purchasing loans have helped New Zealand businesses thrive

Questions?
We have answers

Get answers to our most common questions.

Ready to get a loan decision in 60 seconds?

Join thousands of New Zealanders who have trusted Pioneer Finance since 1995. Fast approval, competitive rates, and repayments you can afford.

No impact on your credit score • 100% secure application • Decision in under 60 seconds

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About Pioneer

For over three decades, we've supported thousands of New Zealanders with straightforward lending solutions designed around real life. With a friendly local team, we work with you to find finance options that fit your goals and your budget, not the other way around.

Our loans can be used for:

Consolidating debt

Minor renovations to your property

Purchasing a new car

Taking the family on holiday

Family events such as weddings, birthdays, or funerals

Purchase business assets or working capital

Whatever your financial need, we're here to help you achieve your goals with transparent, flexible loan solutions.