Why choose Flexy's Small Business Loan?
Need to buy equipment, cover an unexpected bill, or boost cash flow fast? Flexy’s short-term business loans let you unlock equity and access funds quickly, without the bank delays.
Our small business loan is simple, fast, and non-bank. No income statements, no solicitor required, and funds can be in your account within 24 hours (for repeat clients).
Flexy's Small Business Loan Calculator
How much can I borrow?
Small Business Loan
Fast funding up to $50k for business growth, bridging finance, or renovations.
Learn more
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Key features of our Small Business Loan
Max loan
$50,000. Need more? View our Second Mortgage Loan
Security
Second-ranking caveat (agreement to mortgage) over investment or owner occupied property
Max LVR
75% (including all existing lending)
Loan term
Up to 12 months
Interest
Interest only paid weekly
Exit plan
A clear and realistic exit: a planned sale, refinance, or equipment sale
Eligibility
Loans made to a company or trust as borrower. We do not lend to individuals
Approval speed
Same or next-day approval. Repeat clients funded same day
Who is this loan for?
Small Business Owners
Needing fast lending for cash flow, wages, or marketing spend.
Retail & Hospo Operators
Covering urgent costs like stock purchases, repairs, or slow trading periods.
Contractors & Tradies
Bridging cash gaps between invoices or funding materials upfront.
Businesses Behind on Tax
Clearing urgent IRD payments without bank delays.
Business Buyers
Accessing short-term funds to secure or settle a small business purchase quickly.
Who this loan is for:
01
Small Business Owners
Needing fast lending for cash flow, wages, or marketing spend.
02
Retail & Hospo Operators
Covering urgent costs like stock purchases, repairs, or slow trading periods.
03
Contractors & Tradies
Bridging cash gaps between invoices or funding materials upfront.
04
Businesses Behind on Tax
Clearing urgent IRD payments without bank delays.
05
Business Buyers
Accessing short-term funds to secure or settle a small business purchase quickly.
How our lending works
01
Apply online
Just enter your property address, current lending, and your exit strategy.
02
Fast review
We check your title, LVR, and exit plan. Most approvals are same-day.
03
Sign & fund
Sign digitally. We register the caveat and release funds.
Why apply for lending with Flexy?
We’re a property-focused lender that moves as fast as you do.
Unlike the bank or other non-bank lenders, we don’t ask for tax returns, profit-and-loss statements, or five layers of credit approvals.
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Simple online application
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Transparent pricing
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Built for property traders and small business owners
Small Business Loans FAQ's
A small business loan is a lump sum of funding provided to a business for operational, growth, or cashflow purposes. With Flexy, it’s short-term, property secured lending, no long applications, just fast capital when you need it.
Flexy lends to companies and trusts using residential or commercial property as security. You borrow a fixed amount, use it for business needs, and repay it over a short term (typically 3–6 months). Interest-only payments are made weekly, with full repayment due at the end.
Flexy’s loans are instalment style with interest-only monthly payments. They are not revolving credit lines like overdrafts. The full loan principal is repaid at the end of the term.
Interest rates depend on your LVR, security type, and loan term. Flexy’s typical rate starts from 1.5% per month. Because these are short-term loans, they’re higher than standard bank loans but faster and more flexible.
Yes, if your business is investing in or developing property, Flexy can fund the purchase, renovation, or deposit shortfall. Just note we do not offer long-term mortgages or consumer loans and it must be for business use.
You can apply directly through Flexy’s website. It takes under 10 minutes. If you're already working with a broker, they can assist too. We specialise in fast lending for NZ-based businesses using property as security.
What our clients
say about us
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Payton Hillman
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Max Johnson
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Who we help
Property investors
Property traders
Small businesses
Businesses in tax arrears
