HomeSec Business Finance
09 888 6550 NZ See if you qualify
See if you qualify

Fast, flexible business finance. With No Payments for up to 6 months.

For New Zealand businesses urgently seeking $20,000–$1,000,000.

First and second mortgages. No valuations or cashflow records needed.

See if you qualify

Funding may be possible in as little as 24 hours, subject to approval, documents, security, legal work and settlement requirements.

New Zealand workshop owner-operators reviewing a job together beside business equipment
$20K–$1MBorrow $20,000–$1,000,000.
Property-securedFirst and second mortgage options.
Open-term optionsFlexible structures designed for business.
New Zealand-wideSupporting businesses across New Zealand.

How it works

Simple, clear and built for speed.

Tell us about the opportunity

Share a few details about your business, the funding you are looking for and the New Zealand property you would like to use as security.

We assess the property and scenario

The team reviews the purpose, security and proposed repayment path to understand whether a suitable structure may be available.

Finalise documents and settlement

If terms are agreed and conditions are met, the legal documents are completed and settlement is arranged.

See the full process

Deal directly with the people assessing your loan.

Business finance is easier to understand when the conversation is about the actual opportunity—not a one-size-fits-all form.

HomeSec looks at the business purpose, proposed security and repayment path together. That can be useful when timing is tight, cash flow is unusual or a conventional bank process does not fit.

No scenario is automatically approved. The goal is a direct, realistic assessment and clear next steps.

Why businesses approach HomeSec

Business purposes

Finance for the next useful move.

Every facility must support a genuine business or commercial purpose. These are common reasons owners begin the conversation.

Working capital

Support day-to-day operations, project mobilisation or a temporary cash-flow gap.

Explore this purpose

Tax and creditor obligations

Address a commercial obligation as part of a considered wider plan.

Explore this purpose

Stock and inventory

Move on a wholesale order, seasonal purchase or supply opportunity.

Explore this purpose

Equipment and machinery

Fund productive assets, installation or essential business upgrades.

Explore this purpose

Acquisition and expansion

Support a business purchase, new location or a defined growth initiative.

Explore this purpose

Renovations and fit-outs

Prepare, upgrade or complete a business premises for the next stage.

Explore this purpose
New Zealand owner-operators working in a waterfront Auckland cafe

A central difference

Choose the repayment rhythm that works for your business.

Borrow for one month or keep the facility open for as long as it suits your business, subject to the approved terms remaining in place.

  • Begin with no payments for up to six months.
  • Repay the full balance whenever it suits your business.
  • Service interest monthly and keep the facility open.
  • Make lump-sum principal reductions after the approved initial period.

Availability and repayment settings depend on the approved loan contract.

Understand open-term finance

Finance pathways

Start with the structure that matches your scenario.

First mortgage business loans

First-mortgage business finance secured by suitable New Zealand property for genuine commercial purposes, subject to assessment.

Read the guide

Second mortgage business loans

Explore second-mortgage business finance secured by suitable New Zealand property, subject to existing lender and scenario assessment.

Read the guide

Open-term business loans

Learn how an open-term property-secured business loan may provide flexibility without a conventional fixed end date, subject to approved terms.

Read the guide

Bridging finance for business purposes

Property-secured bridging finance for time-sensitive New Zealand business needs, subject to security, exit and scenario assessment.

Read the guide

Caveat loans for business purposes

Understand caveat-secured business finance, when it may be considered and the important legal and repayment considerations.

Read the guide

Private business lending

A plain-language guide to private, property-secured business lending in New Zealand and how HomeSec assesses a scenario.

Read the guide

Eligibility and security

Three things matter at the start.

HomeSec needs to understand why the business needs funding, what suitable New Zealand property may support the facility and how the borrowing is expected to be resolved.

Credit history, tax debt, arrears, a newer business or unusual cash flow may be considered as part of the wider scenario. They do not guarantee either approval or decline.

Tell us about your scenario

Helpful resources

Make the finance decision with better questions.

Plain-language guides for understanding security, preparing a scenario and comparing realistic options.

For New Zealand brokers

Keep the scenario moving—and keep the broker informed.

Discuss property-secured scenarios with real decision-makers, track applications through the existing broker portal and give clients a clear next step.

  • Fast, direct scenario assessment
  • Nationwide property-secured solutions
  • Clear progress updates at each stage

Next step

Tell us what your business needs next.

A short scenario conversation can help establish whether property-secured business finance may fit.

See if you qualify Talk to a lending specialist

Don’t miss out on $20,000–$1,000,000 in funding.

Business funds can be available in as little as 24 hours — with no payments for up to 6 months.

First and second mortgages. No valuations or cashflow records needed. Subject to assessment and approval.

See if you qualify