Reviews collected under Lending Room, the team behind NeedCashToday
Stop applying to lenders one at a time and damaging your credit profile. Apply once with NeedCashToday and we match your business to the lender most likely to fund it. Loans from $5,000 to $500,000 with funding possible within 24 hours.
From working capital to equipment, expansion to cash flow — we match your business to the right lender for your specific funding need.
Bridge cash flow gaps, cover operating costs or maintain runway while revenue catches up. Keep your business moving without disruption.
Purchase or upgrade plant, equipment, machinery or technology. Secured or unsecured options available depending on the asset type.
Purchase stock ahead of a busy season, lock in supplier pricing or take advantage of bulk order discounts. Fund inventory without straining cash flow.
Fit out new premises, renovate existing space or upgrade your shopfront. Invest in your business environment without depleting operating reserves.
Cover GST, provisional tax or other tax obligations without disrupting cash flow. Manage your tax position without impacting day-to-day operations.
Expansion, acquisition, vehicle fleet, marketing — any legitimate business purpose. Apply and we will match you to the right lender.
Apply nowWe are not a lender — we work for you. One application, 20+ lenders compared, no credit score impact.
We use one soft check that leaves no mark on your file. Applying directly to multiple lenders means multiple hard enquiries lowering your score before you even get on the water.
Lenders on our panel accept both new and used boats and jetskis, from dealer purchases to private sales. We will match you based on what you are buying.
We compare across our full panel to find the lender most likely to approve your application at the best available rate for your situation and vessel type.
Same-day assessments available. Get matched quickly so you can seal the deal with your seller or dealer before someone else does.
Need to finance the trailer or outboard as well? Many lenders on our panel allow the full package to be financed together in one loan.
A broker fee of up to $1,500 applies on successful funding — always disclosed before you commit. No surprises, no obligation to proceed at any stage.
One application. We protect your credit profile, handle the lender matching, and come back with your best option — fast.
Tell us your funding need, loan amount, how long you have been trading and a bit about your revenue. Takes around 5 minutes. We assess both unsecured and secured options so we can present the right structure — not just the easiest one.
We run a single soft credit check with no impact on your business or director credit scores. We review your trading history, revenue and situation — then identify the lender on our panel whose criteria best match your business. No hard enquiries until you decide to proceed.
We come back with your approval and guide you through to settlement. Funding is possible within 24 hours once documents are provided. No obligation at any stage and no pressure if the terms do not work for your business.
Guide only. Actual rate depends on your business profile and lender. Rates 8.99–29.95% p.a. (AIR). Broker fee up to $1,500 and lender establishment fees may apply.
Get My Real RateWe work for your business, not the lender. One application reaches our full panel of trusted NZ business lenders.
Every direct application to a lender leaves a hard mark on your credit profile. We assess options first using a soft check — keeping both your director and business credit scores healthy throughout the process.
We compare lenders to secure competitive business rates, helping reduce your cost of capital. Our panel includes specialist and non-bank lenders often not available direct to businesses.
Funding is possible within 24 hours once approved and documents are provided. Do not miss time-sensitive opportunities because of slow bank processes.
Unsecured loans, asset finance and working capital facilities. We match the right structure to your business needs — not just the easiest one to place.
Complete one 5-minute application and we handle the rest. No repeating yourself to multiple lenders or navigating complex bank application processes.
See your approval and rate before committing. The broker fee of up to $1,500 only applies on successful funding and is always disclosed upfront before you decide.
Most NZ businesses trading for 9 or more months with demonstrable revenue can apply. Companies, partnerships and sole traders all welcome.
Lenders require a minimum trading history to assess your business's financial position and repayment capacity. Some specialist lenders accept shorter periods for businesses with strong, consistent revenue.
Bank statements showing regular business income. Lenders assess revenue to determine loan size — consistent cash flow is more important than showing a profit on paper.
Operating as a company, partnership or sole trader registered in New Zealand. The business must be actively trading at the time of application.
Lenders assess both business and director credit history. We review your situation before approaching any lender — so we only present you with realistic options.
Takes about 5 minutes. No credit score impact at this stage and no obligation to proceed. We assess your situation and come back with a real lender match and rate.
Get Started — 5 MinutesRated 5 out of 5 on Trustpilot
Everything your business needs to know before applying through NeedCashToday.
Still not sure? Talk to our team
Business loans through NeedCashToday range from $5,000 to $500,000 depending on your revenue, trading history and lender criteria. Terms from 6 to 84 months. The amount your business is approved for is primarily determined by your monthly revenue and repayment capacity.
Funding is possible within 24 hours once approved and documents are provided. If you have a time-sensitive funding need — for example, a stock purchase or equipment opportunity — let our team know when you apply and we will prioritise accordingly.
No. We run a soft credit check during our assessment which does not affect your personal or business credit score. Once we match you to a lender, some accept our check while others may conduct their own standard enquiry before final approval — we will always advise you first.
Not necessarily. Lenders assess cash flow and revenue rather than profitability alone. Consistent, demonstrable revenue is more important than showing a net profit on your financial statements. We will review your situation and match you to lenders whose criteria suit your business profile.
Most lenders on our panel require at least 9 months of trading history. Some specialist lenders accept shorter periods for businesses with strong, consistent revenue. Apply and we will assess whether your trading history meets the criteria of any lender on our panel.
Yes. Unsecured business loans are available through lenders on our panel, typically up to $250,000 for well-established businesses with strong cash flow. For larger amounts, secured lending against business or personal assets may provide a lower rate. We assess both options and present the most suitable structure.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. It is added to your loan amount, is GST inclusive, and is always disclosed before you commit. Lender establishment fees may also apply. There are no upfront fees to apply.
Access to timely business finance is one of the most common challenges facing New Zealand SMEs. Whether you need working capital, equipment funding or growth finance, the process of applying to multiple banks individually is slow, damages your credit profile, and often ends in rejection without explanation. NeedCashToday takes a different approach — one application, one soft credit check, and we match your business to the lender most likely to say yes.
Different funding needs require different loan structures. Understanding the options helps you apply for the right one.
| Loan type | Best for | Typical term |
|---|---|---|
| Unsecured business loan | Working capital, cash flow, general operating costs | 6 to 36 months |
| Secured business loan | Larger amounts, lower rates, longer terms | 12 to 84 months |
| Equipment finance | Machinery, vehicles, technology assets | 12 to 60 months |
| Business overdraft | Short-term cash flow flexibility | Revolving |
| Invoice finance | Releasing cash tied up in unpaid invoices | Revolving |
No collateral required. Faster to access and suitable for most working capital needs. Typically available up to $250,000 for established businesses with strong cash flow. Rates are slightly higher to reflect the lender's increased risk.
Use business or personal assets as security to access larger amounts at lower rates. Suitable for businesses borrowing $250,000 or more, or those who want the lowest possible rate. The application and assessment process is typically more involved.
NeedCashToday assesses both options for every application and presents the structure that best fits your business needs and situation.
Every time your business applies directly for finance, the lender runs a hard credit enquiry. Multiple hard enquiries in a short period can lower both your business and director credit scores — making the next application harder. By the time you have been declined by two or three lenders, your credit profile may look worse than when you started.
NeedCashToday runs one soft credit check only during our assessment. We identify the best lender match before making a formal approach, reducing the risk of multiple hard enquiries damaging your profile. Talk to our team if you have questions before applying.
Takes about 5 minutes. We review your business situation and come back with the right lender and rate. No credit score impact and no obligation to proceed.
Soft credit check only. Broker fee of up to $1,500 applies on successful funding. NeedCashToday is powered by Lending Room, FSPR registered. Rates 8.99–29.95% p.a. (AIR). Full T&Cs apply.
