Small Business Loans from $3,000 to $2,000,000

At MatchMe Money, we're passionate about helping businesses thrive. As a proudly Kiwi-owned brokerage, we connect companies with financial solutions designed to fuel their business growth and success.
New car in a driveway, financed with a MatchMe Money car loan

Your partner for business finance

Smart matching, fast funding, a brighter future. We simplify business finance so you can focus on what you do best - running and growing your company.
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Fast loan matching

Get matched with competitive loan options and approved fast.
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Tailored solutions

Access a wide range of loan options, perfectly matched to your unique business needs.
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Simplified finance

A streamlined, transparent process to make financing your business simple and worry-free.

Our business finance solutions

Business growth & expansion

Fund new ventures, hire employees, or renovate your premises.

Asset & equipment finance

Purchase or lease vital business assets, equipment, or inventory.

Working capital managment

Cover day-to-day expenses, manage cash flow, or handle unplanned costs.

Debt consolidation

Streamline multiple debts, including tax and non-tax obligations.

Supplier & inventory finance

Pay suppliers, purchase inventory, or optimise your supply chain.

Specialist business needs

Funding for a unique or specific business purpose.
Digger on a worksite funded by a MatchMe Money business loan
How it works

The business loan process

1

Tell us about you

Answer a few questions and verify your identity in a few minutes with just your driver's license or passport.
2

Get matched in minutes

We handle the legwork, assessing your likelihood of approval and matching you with lenders.
3

Find your ideal loan

Explore transparent loan options and terms, selecting the loan best suited for your budget and needs.
4

Fast funding

Once approved, sign your documents electronically and receive your funds quickly, often within 24 hours.

Business loan calculator

Plan your business finances with confidence. Estimate how much your repayments could be, based on how long you would like to make them for.
$3,000 — $100,000

Example interest rate: 9.99% p.a.

Estimated loan repayments from

$0.00

Total repayment (incl. interest & fees)

Find your rates

The estimated monthly loan repayment figures illustrated above do not constitute a credit offer and are subject to both: (i) your chosen individual lender's approval to lend, and their terms and conditions; and (ii) MatchMe Money's own terms and conditions (including, in both cases, any additional establishment, introduction, security registration and other miscellaneous fees. MatchMe Money's fees information can be found on our interest rates and fees page. Your selected lender's own terms and conditions will be provided in the loan documentation that they will provide to you (if successful). We recommend seeking and obtaining your own financial advice before committing to any loan or financial product.

key loan information

What you need to know up front

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Over 18 years of age
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Valid New Zealand passport or drivers license
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New Zealand citizen or permanent resident
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A valid NZBN number

$3,000 - $2,000,000

Loan amount

$5,000

Minimum monthly revenue

8.99%* - 29.95%

Interest rates

4 months

Minimum trading history

*8.99% rate is for secured lending. View further information about our interest rates and fees.

Business Loan FAQs

MatchMe Money offers business loans ranging from $3,000 to $2,000,000. The amount you can borrow depends on your business's specific circumstances and financial health.

Our online application takes less than 5 minutes to complete. You can often receive a decision within minutes and, if approved, funding can be as quick as 24 hours.

We work with a wide range of businesses across various industries. As long as you meet our eligibility criteria, we can likely help you.

Our loans can be used for a variety of business purposes, including working capital, equipment purchase, expansion, or refinancing existing debt.

Yes, there's an establishment fee of up to $395 and an introducer fee of up to $995. Our fees will be clearly outlined in the loan documentation you receive prior to committing to a loan.

Repayment terms are flexible and can be tailored to your business's cash flow. Options typically include weekly, fortnightly, or monthly repayments over the term of the loan.

We require a copy of your drivers license or passport for identification. We also require three months of bank statements to verify your revenue and assess your financial situation accurately. Depending on the loan facility you're applying for, we may also require:

  • Income statement: (Profit and Loss): A financial summary of your business income and expenses..
  • Balance sheet: A statement showing your business's assets and liabilities, detailing both revenue and expenses.
  • Transaction history: Recent transaction history from your business trading account and any business credit cards (if applicable).

Our team will guide you on the specific documents needed for your application

Still have questions?

Explore our Frequently Asked Questions so that you can make an informed decision about your personal loan. If you need further assistance, our team is here to help.
Frequently Asked Questions

Why choose MatchMe Money

We understand the unique needs of Kiwi businesses. We’re here to assist you with personalised, transparent and reliable financial solutions.

‍Local expertise

As a 100% New Zealand owned company, we understand the unique challenges and opportunities in the Kiwi business landscape.

‍Cutting-edge technology

We use advanced matching technology to connect you with financiers fast, giving you access to business loan options and terms all in one place.

‍Comprehensive security

Your personal and financial information is safeguarded with bank-level encryption, giving you peace of mind throughout the application process.

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Important information
  1. Loan contract terms are from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured).
  2. The Annual Interest Rate (AIR) for Personal Loans is variable, ranging from 8.5% (secured) and 12.95% (unsecured) to 29.95% p.a. with loan terms from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured). Your actual rate depends on your circumstances, loan type, security provided, and an individual credit assessment.
  3. For illustrative purposes, an unsecured Personal Loan of $10,000 over 5 years at 13.95% Annual Interest Rate (AIR), including example lender, introducer, and other fees of $745, results in monthly payments of $255.40, with a total repayment sum of $15,234, reflecting an Annual Percentage Rate (APR) of 14.60%. Quoted totals do not include optional Payment Protection Insurance, Motor Breakdown Insurance, Lifestyle Protection or other Insurance products a customer may choose to add to the loan. For further information on lender, introducer and other fees refer to our rates and fees.
  4. Please review all fees in any loan contract before accepting. Approval is subject to lending criteria and an affordability assessment. Offers are subject to approval. Terms and conditions apply.
  5. Please note that we do not provide financial advice. The information on this page does not constitute a loan offer. We strongly recommend that you seek independent financial advice before making any financial decisions. Every individual's financial situation is unique, and a qualified financial advisor can provide personalised guidance based on your specific circumstances.
  6. Taking out a loan is a significant financial decision. Make sure you fully understand all terms, conditions, and potential costs before proceeding. If you have any questions about the information provided, please don't hesitate to ask us for clarification or you can contact the Money Talks helpline at 0800 345 123 or .

Apply for a business loan online

Get started with a business loan that's quick, easy, and tailored for your business.
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