When the work's nearly done, and it's the last bit of funding standing in the way

Buy the franchise, without waiting on the paperwork

When there's no asset for a lender to secure the loan against

When the bank won't lend until the house is fixed to the land

When the business is new, but the way it's repaid doesn't have to be a guess

When there's a fixed legal deadline and liquidation is the alternative

A second facility, advanced alongside your new first mortgage, on settlement day

Secure the deposit on your next purchase without waiting for your sale to settle

When resource consent is granted and it's the remaining costs standing between you and title

Buy the truck, machine or fit-out now, not once you've proven it

When unpaid tax is the only thing standing between you and a bank approval