Industries
Funding for industries that don't earn in straight lines
Some industries earn most of their year in a few months, or wait weeks to be paid for work already done. We arrange lines of credit and property-secured funding for New Zealand businesses in exactly those industries.
Tourism & hospitality
For Queenstown, Rotorua and Bay of Islands businesses riding the season.
Horticulture & agribusiness
Bridge the gap between harvest costs and staggered grower payments.
Construction & trades
Keep crews and suppliers paid while payment claims catch up.
Retail peak season
Buy the stock in spring, repay from summer's sales.
Wholesale & distribution
Fund stock between paying suppliers and being paid by customers.
Professional services
Keep payroll steady while client invoices clear.
Transport & freight
Fuel, RUC and wages paid now; customers pay on 20th-following.
Don't see your industry?
These pages cover the industries we hear from most, but the pattern matters more than the label. Event companies, marine services, landscapers, school-uniform suppliers, ski-field contractors and seasonal manufacturers all share the same challenge: costs that run every month and income that doesn't. If that sounds like your business, the 60-second enquiry is the place to start, or read our guide to building a seasonal cash flow plan.
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.