Loan Criteria

All applications are to be completed by persons over 18 years age who are NZ Citizens or Permanent residents.

All applications are subject to credit assessment by Auckland Finance Ltd.

The information provided by applicants must be true and correct and will be incorporated into any loan agreement that may be entered into.

No information on this website is intended to constitute an offer to enter into any transaction by Auckland Finance Ltd. Parameters for loan terms are provided for discussion purposes only.

Auckland Finance Ltd accepts no liability in connection with your use of this website and the information contained on it.

Commercial Finance Criteria

Loans from $10,000 upwards for terms of 6 – 60 months. 

Please complete the commercial application form and submit to us. We will call you back the same day to further discuss your requirements.

You will need to have:

•  proven contract performance capabilities
•  demonstrable cashflow to meet repayments
•  good credit references
•  recent financial statements

We would particularly like to help owner operators, contractors and small to medium size businesses. We will meet with you to discuss your needs and tailor a finance package that aligns with your cashflow. In most instances a commercial loan will need to be supported by the personal guarantee of the shareholders.

Interest Rates

The Interest Rate will depend on verification of your application details and assessment of the loan criteria. Commercial loans will need to be supported by personal guarantees from directors.

Current commercial loan interest rates range upwards from 11.9% p.a. plus establishment and documentation fees. The actual rate and fees will depend on the amount financed, term of loan and an evaluation of your credit profile.