Business loans Auckland

Business loans in Auckland, direct from the lender

Auckland businesses often need to move faster than a bank can. HomeSec is a direct, privately funded lender offering open-term business loans from $20,000 to $1,000,000, secured against New Zealand property, for genuine business purposes.

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Who we help in Auckland

Importers, wholesalers and distributors
Construction, trades and property services
Hospitality, retail and professional services
Logistics, manufacturing and light industrial

Auckland is the country's largest concentration of importers, distributors, builders and service businesses, so cash flow often depends on shipping dates, supplier terms and large customers paying on time. When a gap opens between money owed and money due, a property-secured facility can bridge it without waiting on a bank credit process.

Property security

Security can be a residential or commercial property, as a first or second mortgage, and it does not have to be in Auckland. We start with the address, who is on the title, an estimated value and what is already owing. No formal valuation or cashflow records are needed to begin.

Business-purpose lending only. Property offered as security may be at risk if the loan is not repaid, so read the contract and consider independent legal advice.

How it works

Tell us the amount, the purpose, the property and how you plan to repay. We give an early view of fit, then you receive terms in writing and take independent legal advice before the mortgage is registered and funds are paid. Approved facilities may offer up to six months with no scheduled payments.

New Zealand retail owner-operators receiving and arranging stock

Watch: business funding in Auckland

Paul Stone on urgent business funding.

HomeSec founder and CEO Paul Stone explains how property-secured business finance works for Auckland business owners, what you need to qualify and how quickly funds can be in your account.

More videos on the HomeSec New Zealand YouTube channel

Questions Auckland owners ask

Frequently asked questions

Do you only lend against Auckland property?

No. HomeSec accepts suitable property security almost anywhere in New Zealand, so an Auckland business can offer property elsewhere, and a business elsewhere can offer Auckland property. Every scenario is assessed.

How much can a Auckland business borrow?

HomeSec's New Zealand lending range is $20,000–$1,000,000. The amount available depends on assessment, suitable property security, the business purpose and the proposed repayment.

How quickly can funding be arranged in Auckland?

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

Do credit issues rule out an application?

Credit checks are irrelevant to the decision and a bad credit history is generally not an issue. We look at the property security, the business purpose and the repayment path, and every scenario is assessed.

Is a valuation or cashflow records needed to start?

No formal valuation or cashflow records are needed for the initial assessment. Further information may be requested as the scenario progresses.

Other regions

Business loans across New Zealand

Next step

Discuss a Auckland business finance scenario.

Speak with the team or start an application online.

See if you qualify Talk to a lending specialist