About us
We keep capital ready for the businesses New Zealand runs on
Capital On Call is a New Zealand business-finance service that helps businesses with seasonal or uneven cash flow arrange lines of credit, unsecured working capital and property-secured loans through our lending partners — so the money is ready before the moment it's needed.
Why we exist
Most business finance is designed for businesses that earn the same amount every month. Very few of the businesses we talk to look like that. A jet boat company in Queenstown, a contractor running picking crews in Te Puke, a builder waiting on payment claims in Christchurch, a wholesaler bringing containers through Tauranga — they're profitable across the year, but their cash arrives in waves.
Those businesses don't need a lecture about budgeting. They need a facility that flexes with their year, arranged by people who understand why June looks nothing like January. That's what Capital On Call is for.
What we do
- Arrange business lines of credit and unsecured working capital for businesses usually trading six months or more.
- Arrange property-secured loans from $20,000 to $1m for bigger or lower-doc needs, including paying out IRD debt.
- Explain your seasons to lenders so your quiet months are read as normal, not as decline.
- Publish practical guides on cash flow, tax timing and getting paid.
How we work
Four principles
The right structure
We match the funding to the shape of the need — revolving for repeating gaps, lump sums for one-off costs — rather than selling whatever is easiest.
No headline rates
Every facility is priced on your circumstances. We don't publish rates that would mislead; we find the sharpest option for your situation and explain it in full.
Including "not yet"
If a smaller amount, a different structure or no funding at all is the better answer, we'll say so.
Business purposes
We arrange funding for business purposes — sole traders, companies, partnerships and trusts — not personal or consumer lending.
Who we are
Capital On Call is a trading name of Leadsource International Manager Limited (NZBN 9429047325371). Our guides are written by the Capital On Call Editorial Team using current New Zealand sources, and are reviewed when rules or data change. We're not a bank; we work with a panel of lending partners to find the option that suits each business.
You can reach us on 09 875 4577 or start an enquiry online at any time.
Put some capital on call
Tell us what your cash flow looks like. The enquiry takes about 60 seconds, won't touch your credit score, and a lending specialist calls you back.