Prepare
The purpose
Explain what the funds will pay for, the commercial outcome expected and the date the money is required.
Business loan purpose
Working capital finance
Support day-to-day operations, project mobilisation or a temporary cash-flow gap.
Support
The property
Outline the address, ownership, estimated value and current mortgage balances for the proposed New Zealand security.
Plan
The exit
Describe how the facility will be repaid or refinanced, including a realistic contingency if timing changes.
Decision test
Does the finance improve the underlying position?
Business finance should do more than move a problem to a later date. Compare the expected commercial benefit with the total facility cost and the consequences if the plan takes longer than expected.
Consider available bank, asset-finance, trade-credit, equity and restructuring options where relevant. Obtain independent advice before offering property as security.
Questions
Before you make contact.
Is this a business-purpose facility?
Yes. HomeSec finance is for genuine business or commercial purposes. Personal or consumer borrowing is outside the intended scope.
What security may be considered?
Suitable New Zealand real estate may be considered, subject to ownership, value, existing lending, legal position and the wider scenario.
What amount may be available?
The published New Zealand range is $20,000–$1,000,000. Availability depends on assessment and approval.
Next step
Discuss working capital finance.
A short scenario conversation can help establish whether property-secured business finance may fit.