In New Zealand it is often not easy to get business finance.
As finance brokers we have access to various options for business finance
Business Finance with property as security is the most common form of business finance. The key issue here is many of the banks will use residential property for the security, but because the finance is for business purposes they charge the higher business interest rates. As finance brokers we will push for lower interest rates when we arrange the finance.
Unsecured business finance is often required and there are very few options.