Short Term Business Finance
                     Short-term
Business 
Finance NZ
A LoansOne NZ Presentation
LoansOne.co.nz
What is a Short-term 
Business
Finance 
Short-term business finance is a type of financing that 
provides businesses with access to quick funds for a 
specific purpose. Unlike traditional loans, short-term 
business finance does not require collateral, making it 
an unsecured loan. While this type of financing can be 
easier to obtain than secured loans, it is typically more 
expensive due to the higher risk that the lender takes 
oSnh.ort-term business finance is designed to help 
businesses cover short-term expenses such as 
inventory, marketing, or unexpected bills. It is often 
used as a temporary solution to cash flow issues, rather 
than a long-term financing option. The repayment terms 
for short-term business finance are shorter than 
traditional loans, typically ranging from one to twelve 
months. Overall, short-term business finance can be an 
effective way for businesses to quickly access the 
capital they need to meet their immediate financial 
needs.
Features of Short-term 
Business Finance
Short-term Business Finance 
typically does not require 
collateral, allowing businesses to 
access funds without putting their 
assets at risk.
The repayment terms for Short-term 
Business Finance are often shorter 
than those for traditional loans, 
allowing businesses to pay off their 
debt more quickly and avoid long-
term financial commitments.
Short-term Business Finance often 
offers flexible and cashflow-friendly 
repayment options, helping 
businesses to manage their cash flow 
and invest in growth opportunities 
without hindering their operations.
What more could you ask 
for? 
Why Short-term Business 
Finance Are Important
Short-term business finance is important for 
several reasons. Firstly, it provides businesses 
with access to funds without requiring collateral. 
This can be beneficial for businesses that don't 
have valuable assets to use as collateral, or for 
those who don't want to risk losing their 
personal assets. Additionally, short-term 
business finance can be easier and quicker to 
obtain compared to traditional loans, allowing 
businesses to respond to financial needs more 
rapidly.
Secondly, short-term business finance can be an 
effective tool for building credit history. By 
making timely payments on the loan, businesses 
can demonstrate their creditworthiness to 
lenders and potentially qualify for better loan 
terms in the future. Finally, short-term business 
finance provides businesses with flexibility in 
terms of how they use the funds. Whether it's to 
cover unexpected expenses or invest in growth 
opportunities, businesses have the freedom to 
use the funds in ways that align with their 
unique financial goals and needs.
Who are Short-term
Business Finance for?
Short-term business finance is ideal for 
businesses that need financing quickly 
and do not have collateral to secure a 
traditional loan. These loans are 
especially helpful for small businesses, 
startups, or businesses that have been 
declined by traditional lenders. Short-
term business finance can be used for a 
variety of purposes, such as working 
capital, inventory, or equipment 
purchases. Additionally, they may be a 
good option for businesses that need a 
fast and flexible financing solution.
The Myths of a Short-
term
Business Finance
Short-term business finance is a legitimate source 
of funding, and there are no paper bags filled with 
cash involved in the process. While indicative 
interest rates can be provided, the final rate will 
depend on your assessment and other factors.
One common misconception about short-term 
business finance is that it's always more 
expensive than traditional bank loans. While it's 
true that non-bank lenders may have higher rates 
and costs, they can also offer faster processing 
times and more flexible lending criteria. Another 
myth is that short-term business finance is only 
for businesses with bad credit. In reality, short-
term business finance can be a viable option for 
businesses of all credit histories that need quick 
access to funds.
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