Business Loans
Welcome to Dynamic Finance, we’re dedicated to helping New Zealand businesses thrive. Whether you’re a small startup or an established enterprise, our business finance solutions provide the funding you need to grow, innovate, and succeed. From purchasing new equipment to managing cash flow or expanding your operations, we’re here to offer fast, flexible, and affordable financial support tailored to your needs.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
Business Finance with Dynamic Finance
Whether you’re seizing an exciting opportunity, managing unexpected expenses, or looking to invest in new equipment or staff, our business finance solutions can provide the capital you need to make it happen.
Common reasons businesses come to us for funding
- Buying plant, machinery or equipment without draining working capital
- Adding vehicles, utes or trucks to a growing fleet
- Bridging the gap between invoicing and getting paid
- Fitting out new premises, or expanding into a second site
- Buying stock ahead of a busy season
- Refinancing existing business debt onto terms that suit the business today
- Covering a provisional tax or GST bill without stalling operations
The benefits of business finance through Dynamic Finance
- A panel of lenders, not one. We take one application to lenders who compete for it, rather than sending you to whoever your bank happens to be.
- Structured around your cash flow. Seasonal income, contract payments and irregular revenue are normal in New Zealand business, and finance should be built to match.
- One adviser throughout. The person who takes your application is the person who sees it through to settlement.
- An answer either way. If we cannot help, we say so quickly rather than leaving your application sitting.
All lending is subject to lender assessment and approval, and the options available to you will depend on your circumstances.
With Dynamic Finance, you’ll have a trusted partner ready to support your growth and success. Whether you need a short-term loan to cover operational expenses or long-term funding for expansion, we’ve got you covered.
Ready to take your business to the next level? Apply for business finance with Dynamic Finance today and get the funding you need to grow, innovate, and succeed.
Common questions
Can I get business finance if I am self-employed?
Yes. Where full financials are not available, several lenders will assess on bank statements, GST returns or contract income instead. Which of those works depends on the lender, which is the part we handle.
What documents will I need?
Usually your IRD number, recent GST returns or financials, and details of what you are buying. Newer businesses without a full set of accounts are not automatically declined, and we will tell you early which lenders assess on other evidence.
Can I finance equipment as well as working capital?
Yes, though they are often better structured separately. Equipment secured against the asset generally prices differently to unsecured working capital, and the better structure is not always a single facility.
How quickly can business finance be arranged?
Straightforward applications are frequently answered the same day. More complex structures take longer. All lending is subject to lender assessment and approval.
How it works
Apply for your loan
Complete the online form or give us a call and we will get your application underway.
We will reach out
We will call to understand what you are trying to achieve and gather anything else that helps get you approved.
Ready to go
Once approved we send your documents to sign, and payout follows shortly after.
Get started today
Tell us what you are looking to finance and we will come back with real options - usually the same day.