Our services
Empower Your Business Growth
Access the capital you need to expand, innovate, and succeed in today’s competitive market.
Customised Funding Solutions: Tailor-made finance options to match your specific business requirements.
Working Capital Loans: Ensure smooth operation and cash flow management with flexible working capital solutions.
Your Business Finance Journey
Tailored financial advice for every stage of your business’s growth to ensure strategic, informed financial decisions.
01
Start with a solid financial foundation by planning your business finances with expert guidance:
- Capital Structure Advice: Strategic advice on debt and equity structuring to optimize financial health.
- Budgeting and Forecasting: Tools and advice to forecast and manage your finances effectively.
02
Fuel your business growth with tailored financial solutions:
- Equipment Finance: Finance the purchase of new equipment to enhance your operational capacity without the upfront cost.
- Commercial Mortgages: Invest in commercial real estate to expand your business premises.
03
Secure the longevity of your business with sustainable financial practices:
- Debt Refinancing: Restructure existing debts to reduce costs and improve cash flow.
- Risk Management Solutions: Protect your business against financial uncertainties.
Why Choose Fundmaster
Our dedicated team of financial advisers specialises in business finance, ensuring your company receives the best possible support to thrive. We provide bespoke solutions designed to meet your business’s unique challenges and opportunities. Benefit from our deep understanding of various industries and market dynamics.
Secure Financing with Confidence
We assist you in understanding all aspects of business financing, ensuring clarity and confidence throughout the decision-making process.
Start Your Journey to Financial Success
Ready to take the first step towards your financial goals? Whether you’re looking to buy your first home, refinance your mortgage, or seek expert advice on insurance and business loans, Fundmaster is here to help.
Don’t wait to secure your financial future. Reach out to us today and let’s start building your path to prosperity together.
At Fundmaster, we offer a comprehensive range of business finance solutions to meet diverse business needs:
- Term Loans: Ideal for long-term investments like equipment purchases or business expansion.
- Overdrafts: Provide flexibility to manage cash flow fluctuations.
- Asset Finance: Helps you acquire essential equipment or vehicles without a large upfront cost.
- Invoice Finance: Allows you to access funds tied up in unpaid invoices.
- Commercial Property Loans: For purchasing business premises or investment properties.
- Working Capital Loans: Short-term loans to cover operational costs.
- Business credit cards are used to manage everyday business expenses and cash flow.
Each type of finance has its features and benefits. Our expert advisors can help you determine which or a combination of options best suits your business needs and financial situation. We work with many lenders to find your business’s most competitive rates and terms.
The approval time for a business loan can vary significantly depending on several factors:
- Loan type: Simple products like overdrafts might be approved in a few days, while complex commercial property loans could take several weeks.
- Loan amount: Larger loans typically require a more thorough assessment and may take longer.
- Business complexity: Established businesses with straightforward financials may see faster approvals than complex or new businesses.
- Documentation readiness: Preparing all required documents can significantly speed up the process.
- Lender’s processes: Different lenders have varying assessment timeframes.
On average, you might expect:
- 2-5 business days for simple loans or overdrafts
- 1-2 weeks for standard-term loans or asset finance
- 3-6 weeks for larger or more complex loans
At Fundmaster, we work to expedite this process by ensuring your application is complete and advocating on your behalf with lenders. We keep you informed at every stage of the application process.
The specific documents required can vary depending on the type of finance and the lender, but generally, you’ll need to provide:
- Financial Statements: Usually the last two years’ profit and loss statements, balance sheets, and cash flow statements.
- Tax Returns: Business and personal tax returns for the past two years.
- Bank Statements: The last 6-12 months of business bank statements are typically used.
- Business Plan: Essential for new businesses or significant loan amounts.
- Cash Flow Forecasts: Projections for the next 12-24 months.
- Asset and Liability Statement: A current list of what the business owns and owes.
- Proof of Identity: Directors’ or owners’ identification documents.
- Information about the Security Offered: Details of any assets being used as collateral.
Additional documents may be required for specific loans, such as a copy of the contract for asset finance or a valuation for commercial property loans. At Fundmaster, we guide you through the documentation process, ensuring you have everything needed for a robust application.
While a good credit history is preferable, having a poor one doesn’t automatically disqualify you from obtaining business finance. Several options may still be available:
- Secured Loans: Offering assets as security can increase your chances of approval.
- Alternative Lenders: Some lenders specialise in higher-risk loans for businesses with poor credit.
- Invoice Financing: This focuses on your customers’ ability to pay rather than your credit history.
- Merchant Cash Advances: Based on your business’s daily credit card receipts rather than credit score.
- Peer-to-Peer Lending: These platforms may have more flexible criteria than traditional banks.
However, these options often come with higher interest rates or fees. It’s also essential to address the underlying issues that led to poor credit. At Fundmaster, we can help you explore suitable options and develop strategies to improve your creditworthiness. We work with various lenders, including those who may be more accommodating to businesses with less-than-perfect credit histories.
Whether you need to provide security for a business loan depends on several factors:
- Loan Amount: Larger loans typically require security.
- Loan Type: Some loans, like asset finance, are secured by the purchased asset.
- Business History: Established businesses may have more unsecured options.
- Credit Score: Better credit scores can lead to unsecured loan offers.
- Lender Policies: Different lenders have varying security requirements.
Typical forms of security include:
- Property (business or personal)
- Business assets (equipment, inventory)
- Accounts receivable
- Cash deposits
While secured loans often offer better rates and higher amounts, unsecured options are available, especially for smaller quantities or established businesses with solid financials. These might include business credit cards, overdrafts, or unsecured business loans. At Fundmaster, we can help you understand your options and find the right balance between secured and unsecured financing for your business needs.
Frequently Asked Questions
Have any other questions? Please contact us:
General Enquiries
0800 386 362
deals@fundmaster.co.nz