Unsecured Business Loans Robina QLD

By This Tomorrow You Could Be All Set For Success By ObtainingThe Help Of a Robina Business Loan

Unsecured Business Loans Robina

A Robina unsecured business loan is simple and quick to get. Approve your loan in a matter of minutes and use the money in your company.

  • Could additional funds assist your business in working capital, or to take advantage of the potential for growth?
  • How do you finance your company needs?

You can expect:

  • Easy process to fill out to be approved and receive money as early as tomorrow
  • Optionally , no reayments during the initial four weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3 to 36 month
  • Competitive interest rates
  • Minimal documentation needed

The criteria for eligibility for an unsecured business loan for a business loan Robina are fairly minimal.

Call Now 1300 059 672
I'm now able to hire a marketer to take my company to the next level.
Growing Robina Business
I'm able to get my taxes back in order.
Small Business Owner
I can now make espresso for customers using the very best equipment.
Cafe Owner
I'm now able to finance the construction of our modern Robina resturant without having to take cash from other locations.
Robina Resturant Owner
A simple loan application process with a large amount of borrowing capacity, a low requirements for credit, and no requirement to present a business plan. You no longer need to use your personal credit card or company credit cards as a way to fund your business.
Unsecured Loans Made Simple
Business business loans, interest rates and repayment terms as well as flexible repayment options that can be tailored to what your company requirements.
Business Lending Options
I'm now able take vacation knowing that the Robina company will run smoothly.
Local Business Owner
Business loans, in particular an unsecured unsecured business loan or line of credit to business funding require to not become a stressful procedure. Finance for a company in the shape in the form of small business loans with an interest rates and repayment time which is compatible with the requirements of your company financial needs.
Business Lenders for Business Goals
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for an business loan for business in Robina with us is easy and takes just a few minutes, no lengthy forms or lines.

Get approved and receive your cash within 1-2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

Our purpose is to assist Robina companies of all sorts small, medium even solopreneurs to access funding fast so they can utilise the loan to grow and build.

  • It starts with an easy online application or a phone call
  • Flexible repayment terms that can be tailored to your business
  • Fast funding within a day or two
  • A team wanting both you and your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The eligibility requirements for an unsecured business loan in Robina of between $5K and $100K are pretty minimal.

  • At least 6 months in business
  • At least $6,000 revenue per month
  • You must be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or Driver’s License for proof of identity
  • Have a New Zealand bank as your principal account for trading
  • Bank statements for the last six months

Need more funds? Review the conditions of eligibility for our $100K-$500K company financing.

Here's How Others Have Benefited

Examples of Business Loans

A plumber who's operated their business for 3 years, with the monthly revenue of $80K was looking for additional funding. They took out $153K on the course of 36 months. The only thing needed is 12 months worth of banking statements and confirmation of their status with IRD. The process was completed in less than an hour and the plumber got their extra working capital in their account in a matter of hours.
Plumber
A business coach was looking to invest in an well-being and cosmetics business. With just over $12K in monthly revenue the company borrowed $24K over 24 months. The loan was based on the submission of 12 months' bank statement and was done in only 8 hours.
Business Coach
A gym that was going for nearly 3 years was looking to expand and needed more equipment. With a monthly turnover of $37K they borrowed $72K over a 24 month period. There was no security requirement for the loan and it was ready to go within the span of 24 hours.
Gym
The owner of a restaurant wanted to open a second establishment and needed funding to fit out. The bank they approached wasn't interested in helping. Typical monthly revenue for them was $50K. They were able to borrow $66K in 24 months. Turnaround was only 8 hours.
Restaurant Owner
With the busy holiday season coming up, a store selling clothing needed working capital to fund extra stock and also benefit from discounts offered by suppliers. They were able to borrow $20K for 12 months, with no asset security required and had the funds within 24 hours.
Clothing Store
Simple eligibility checklist

Larger Robina Business Loan Eligibility Criteria

The criteria for eligibility to be eligible for larger Robina company loans of between $100K and $500K are:

  • Minimum of 3 year’s experience in business
  • At least $700K in annual income
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s Licence for proof of identity
  • Make sure you have an account at a New Zealand bank as your main trading account
  • Bank statements from the last six months
  • Some financial statements like Profit & Loss and the Aged Accounts Payable and Receivable

Do you require a smaller amount of funds? Find out the eligibility requirements for our $5K to $100K Robina unsecured company loans.

Business Lending for a Cash Injection

What do you want to use the business loan in Robina for?

A Robina unsecured loan is ideal to use for any business reason. Call us now.

  • Add or remodel a commercial premises
  • Hire more staff for busy times
  • Grow stock levels to meet the demand
  • Create a new site or boost your marketing
  • Make sure you invest in new equipment, tools , or technological advancements
  • Buy extra stock to meet seasonal demand
  • Control cash flow fluctuations
  • Plus many more …

Want to get started on one of these options as early as tomorrow? So, contact us now or apply online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All you need to begin is your contact information (the name of your company, your name, email or phone number) along with the amount you’d like to borrow, and your monthly revenue.

During the process and before settlement we will need confirmation of your identity, but not before we can begin:

  • Information on Idenfication (valid Driver’s License)
  • Information about the company, including details on trading hours, ownership details , and the NZBN (New Zealand Business Number)

In addition, once we have started, for loans over $150,000 you’ll also require basic financial statements:

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started.

 

Here's How Others Have Benefited

Examples of Business Loans

After purchasing a pizza restaurant and two liquor stores six to 12 months prior, the new owners needed more funds. The revenue total was greater than $500K per month and they could have borrowed $300K. This was then split as $100K per store on a mix of 24 and 36 month terms. No security over the owner's houses was required.
Owner of a Pizza Store & 2 Liquor Stores
An interior designer had spotted an opportunity to grow their company and needed working capital in order to finance this growth. With a monthly revenue of $300K they took out a loan of $250K for 24 months. The time to turn around for them was just two days, and all they needed for them to provide was 12 months of bank statements, IRD confirmation, and trust deed.
Interior Designer
The busy Christmas season was nearing, a clothing store required additional working capital to buy more inventory and benefit from discounts offered by suppliers. They secured $20K over the course of 12 months with no asset security required and had the funds in less than 24 hours.
Clothing Store
A gym that was operating for over three years decided to increase its size and needed more equipment. With a monthly turnover of $37K they borrowed $72K over a month period. No security was required for the loan and it was settled within just 24 hours.
Gym
A plumber who has been in business for 3 years, with monthly sales of $80K was looking for additional funding. They were able to borrow $153K over the course of 36 months. All that was needed to be provided was 12 month bank statement and confirmation of their status with IRD. The process was completed within one day, and the plumber had their extra working capital in ther account in a matter of hours.
Plumber

Unsecured Business Loan Robina QLD 4226

The lending landscape has changed

With banks and traditional lenders restricting credit The steady flow of alternative and non-bank loan providers entering the market offers a great resource to access.

Robina SME’s are now capable of accessing finance through alternate lenders servicing Robina who are focused on enabling company growth or smoothing out the cash flow problems. The past was when private credit options (drawing equity from a house loan, or by using credit cards and personal loans as well as overdrafts) provided the most viable alternative funding services in Robina that were available.

There’s no requirement of having to depend on the real estate market to secure company credit. With an unsecured loan, business funding is simple. Instead of a loan for a term with banks, business finance for an SME with interest rates and loan terms that aid in cash flow are around as business lending options.

 

 

High level summary

Separate personal and business debt

There are many benefits by separating personal and company debt.

  • Your home, or other investment properties, aren’t held in order to access funds
  • It is the business has a better position to establish its own credit history
  • It is much more straightforward during tax time
  • Businesses can easily view their cash flow, monitor and plan based on being able to easily determine their cash flow position

Reduce your risk, make your tax time easier, get started with an unsecure company loan. Make an application today.

For those who like the detail

Separate personal and business debt

Risk

One big drawcard for keeping your personal and company assets separate is that your home isn’t required to be tied to access the funds. In the case of a business loan within Robina up to $100K asset security won’t be needed as long as the borrower is able to meet the loan requirements.

Credit history

Businesses are in a more stable long-term position when they are able to demonstrate credit/debt serviceability.

Tax

It is crucial to separate personal from business finances makes it more seamless in the event of tax time, particularly when identifying what is the tax-deductible allocation. The IRD has set out the guidelines on the proof required to be able to claim deductions on the tax return of a company. This is a subject that the IRD have specifically advised on.

Cash flow

A well-organised cash flow management system is crucial to the longevity for any business. Through keeping your personal finances and business finances distinct, companies can easily view their cash flow, plan and monitor it based on the ability to effectively examine their cash flow.

I'm now able to hire an experienced marketer to help me boost my business to the next level of business growth.
Growing Business
I'm now able to finance the fitout of our fresh Robina resturant without having to borrow cash from other ones.
Robina Resturant Owner
Business credit rates and repayment terms, as well as flexible repayment options to meet what your business needs.
Business Lending Options
I'm now able to go on an extended vacation knowing that the Robina company will run without a hitch.
Local Business Owner
I'm able to get my taxes back on track.
Small Business Owner
I can now make espresso for customers with the very best equipment.
Cafe Owner
Simple loan application procedure with a large loan limit, with minimal credit criteria and no requirement to create a business plan. Stop using your personal credit card or company credit cards to fund your company.
Unsecured Loans Made Simple
Business loans, especially one that is an unsecured business loan or line of credit for business financing require have no stressful process. Business finance in the form of small business loans that have an interest rates and repayment term that is suitable for your company liquidity.
Business Lenders for Business Goals
FAQ: business lending & business loans for business owners

Business Loans Frequently Ask Questions

Details of The Robina Small Business Loans

Tell me how you are able to avail the Robina Small Business Loans

Robina unsecured loans offers amounts between $5,000 and $100,000 with terms between 3 and 24 months and cash flow-friendly repayments which can be made daily or weekly.

How is this Unsecured Loan different from a traditional business loan?

It is imaginable to apply to this Small Business Loan in under 10 minutes on the internet or by phone. You will receive an immediate response, and funds may be on your account within 24 hours. Traditional business loans refer to an annual rate of interest along with other charges and fees. Our business loan is an upfront priced loan and you’ll know in advance the total amount due, which includes any interest, fees or charges. Then, it is broken down into weekly or daily installment amount.

What can be the Small Business Loan be used for?

It is a Small Business Loan can be used for virtually every business use, including cash flow management, company renovations, marketing for purchasing inventory or new equipment, or as general working capital and much more. The loan is not available to fund personal expenses.

About the Larger Robina Business Loans

What is the Larger Robina Business Loan?

The Larger Business Loan is a larger loan size to support company expansion opportunities. Loans are between $100,000 and $500,000 with a term fixed with a maximum of 36 months. Repayments are scheduled weekly or fortnightly, depending on the flow of cash.

How is the Origination Fee calculated?

The Larger Business Loan has an Origination Fee, determined at 2.5 percent of the loan amount.

Can I get the Larger Business Loan?

To be eligible for a loan of this size the company needs to be operating for at least three years with an annual turnover of $700K. You must be a New Zealand Citizen (or Permanent Resident) over 18 years or have a New Zealand company (with a valid NZBN/IRD) and be able to demonstrate at least 12 months of trading.

How can the funds be utilised?

A larger business loan can be used for nearly any business need, including business remodeling, buying new equipment or inventory, as general working capital and much more. The loan is not available to fund personal expenses.

Is the Larger Business Loan a secured loan?

Asset security is required to obtain funding above $150,000. This can be done as a result of an charge on assets, and could include registration through the PPSR or registering as a caveat.

A director’s or personal ensure is a promise to pay back a loan that is generally based rather than stating the security for a particular asset. The person who signs the guarantee is personally liable in the event that the business lender is not able to re-pay the debt.

The Personal Property Securities Register (PPSR) is an online, central registry run by the New Zealand Government. It lists security interests that are which are registered with respect to personal property (including objects or assets). The PPSR permits preference over private property assigned depending on the date that a security interest has been registered.

A caveat is a legal document lodged to offer an official notice of a claim to a property.

What is a pre-approval minus Credit Check?

When you’re applying for the Larger Business Loan of more than $250K, we may offer an initial pre-approval to simplify the process. We may be able to apply for this without a credit check and within 6 hours of the initial application. The pre-approval process is based on an initial assessment, which involves you answering a few financial health checks. It is not an offer of credit or guarantee of credit. The approval of a conditional loan is subject to an assessment of your creditworthiness and any offer that you receive could be on different terms.

Application process

Are I eligible for funding?

You are eligible to apply for an company loan if you;

  • are a New Zealand Citizen (or Permanent Resident)
  • are over the age of 18 and own a New Zealand company (with a valid NZBN/IRD)
  • can demonstrate at least 6 months’ worth of transactions (for you to qualify for unsecured loan $5K – $100K) or 3 years of continuous trading (for the Larger Business Loan $100K - $500K)

How do I apply?

The application process is simple and easy. Simply complete the online form within a few minutes and a dedicated business lending specialist will contact you to help you.

For a loan of up to $100,000 you’ll need identification details (valid Driver’s Licence), a valid NZBN/IRD and at least six months of bank statements.

If you’re looking for loans with larger sizes, you’ll need:

$100K-$250K: Information about the application including credit consent, 6 – 12 months of IRD statements, bank statements (if you have a loan of more than $150K).
$250K to $500K: Details for application including credit consent and 12 month bank accounts, the IRD statement and the last two years’ finalised financial statements, in addition to interim current financial year financials including Aged Payables, Aged Receivables Summary.

How quickly will I receive a decision?

For an unsecured loan ($5K to $100K) We can usually provide an answer in just one hour, provided you make your application in standard company hours and allow us to use the advanced bank verification system link to instantly verify your bank information online. If you decide to send us copies of your bank statements , we’ll be able to offer an answer in as little as an business day.

For the Larger Business Loan ($100K and up) we may be in a position to provide you with pre-approval conditional to your application within six hours. Once you’ve signed the pre-approval, turnaround times are around 2-3 days for final approval. However, it could be faster based on the circumstances of each application. Certain transactions have received approval within 24 hours.

The fastest way for you to apply is ensure you apply during standard business hours and allow us to use our advanced bank verification system to verify your bank information online. If you decide to upload the copies of bank statements , it takes a bit longer.

What is the time frame to receive the money?

For the Small Business Loan ($5K or more) we can often provide an answer within an hour, provided you submit your request at standard business hours and allow us to utilise the advanced bank verification system to immediately verify your bank account information online. If you opt to submit copies of your bank statement, we’ll offer a decision within one business day.

If you are applying for Larger Business Loans ($100K up to $500,000) we might be in a position to provide you with pre-approval conditional to your application within about six hours. Once you have signed the pre-approval, the turnaround time is between 2 and 3 days for the final approval. However, this may be quicker depending upon the circumstances for each application. Some offers have been approved in less than 24 hours.

The fastest way for you to apply is ensure you apply during standard business hours. Also, allow us to use the modern bank verification link to instantly verify your bank account information online. If you opt to upload the copies of bank statements, it can take a bit longer.

How much can I borrow?

We offer loans ranging from $5,000 and $500,000. When you submit an application for a particular amount, we consider a variety of variables for determining your well-being that is your company and the extent of repayments your company can afford. The amount you receive from your loan will depend on the particular circumstances the company.

When you submit an application for a specific amount we will consider a number of variables to determine your well-being for your company and the extent of repayments your company is able to afford. The amount you receive from your loan will depend on the particular circumstances for your company.

Fees & repayments

How do you charge for an business loan?

If you decide to apply for business loans with us company loans, we will assess the risk assessment the company and provide you with a tailored offer that includes the amount of the loan, the duration and the interest rates. This business loan is an upfront priced loan and you’ll be aware of the total amount you will have to pay, including charges, interest rates or fees.

What is the basis for the rate I am charged?

The interest rates on business loans rates depend on several factors such as the amount that is borrowed, what company assets the money will be used for and the sector the company operates in, how long the company has been running, whether the company has sufficient cash flow to cover the loan, and general health as well as creditworthiness business.

What are the costs?

There aren’t any hidden charges with our company loans. You’ll know precisely what you need to pay, and when, right from the day you sign up. There’s not any compounding interest and no extra fees (as long as you make your payments punctually).

We don’t charge an application fee. You can apply for a loan with no cost upfront or the obligation to take action.

The Origination Fee covers the costs associated with establishing and managing the loan. This is only a cost if you take out the loan. Our Origination Fee is 2.5 percentage of the amount of the loan.

Do I have the option of paying off the loan earlier?

You can repay all of your loan early at any time.

If you are deciding to pursue this option, please speak to our friendly business loans experts. We will provide you with details on repayment and an early payment figure. This will be calculated as the total of the principal remaining and any accrued interest at the time of early payment, plus 1.5 percent of the remaining principal as well as any outstanding fees.

What is the process for repayments?

To help you avoid missing due dates and also to be in line with your cash flow cycle we provide repayments either daily or weekly. They will be automatically deducted from your designated business account.

Security & privacy

Will my data be protected?

The security of your personal information, as well as knowing how we collect information, use it, and exchange it, as well as secure your information, is of paramount importance and is an essential part of our relationship with you.

Is it safe to link my bank account to the platform?

Yes. We employ industry-recognised encryption techniques to protect your sensitive, personal and financial data and our funders are ISO 27001 qualified for our commitment to security for our clients and privacy. We make use of an advanced bank verification system that allows you to instantly verify your bank account details online. This allows us to provide an immediate response.

About business loans

What is asset-based borrowing (a secured loan)?

Asset-based borrowing is when a company owner uses an asset they own to obtain the funding. The asset may be an asset belonging to the personal, like the family home, or it could be a company property like a truck as well as a piece of machine.

The vast majority of lending institutions, not just the largest banks, are inclined to guarantee loans against assets. If you are having difficulty paying back the loan, the asset could be offered for sale by the lender. In essence it’s the process of securing new financing by using the worth of the asset you already own.

What do I need security to get an company loan?

For loans that exceed $150K, it is not necessary to secure assets before you are able to access the money however, we require a personal guarantee. require the personal guarantee. If you adhere to your loan obligations (as specified in your loan contract document) and you are able to meet your obligations, asset security will never be required. For loans of over $150,000 generally, you can get an individual guarantee and security is provided in the form of the charge of assets.

Industries we currently aren't able to help with

  • Adult related industries
  • Auction websites and auction houses
  • Debt purchasers & debt collection agencies
  • Direct marketers such as telemarketing, fundraising, mail order, direct-mail etc.
  • Financial lenders or institutions
  • {Firearm businesses
  • Foreign currency exchange solutions
  • Freight forwarding & customs clearing houses
  • Business involved with gambling
  • Not-for-profit organisationsincluding charities, churches etc
  • Smash repairers or panel beaters
  • Pawn shops or pawnbrokers
  • Property developers
  • Investment business, shares and stockbrokers
  • Tattoo studios
  • Taxi & ridesharing services
  • Ticket resellers & entertainment sales
  • Tow truck services
  • Used vehicle dealerships
  • Car glass tintingcompanies
  • Vehicle wrecking yards

Although we can’t help with an unsecured business loan in those industries, we might be able to assist with the secured business loan.

Gold Coast Small Business Loans Services

Unsecured Business Loans

Unsecured Business Loans

Eligibility Requirements

Eligibility Requirements

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1300 059 672