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Business Loans & Finance Solutions NZ

GVK Finance provides a range of finance products and funding solutions designed to support New Zealand businesses at different stages of growth. From structured term loans and leasing options to working capital facilities and refinance solutions, our role is to match the right finance product to how your business operates.

Rather than offering one-size-fits-all lending, we assess your asset base, cash flow, and objectives to structure finance solutions that support stability, growth, and long-term sustainability.

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Finance Solutions Built Around How Your Business Operates

Different businesses require different finance structures depending on cash flow, asset ownership, growth plans, and industry conditions. Finance products and solutions are designed to support these varying needs — whether funding an asset purchase, smoothing seasonal income, releasing equity, or managing working capital.

At GVK Finance, we help businesses understand which finance products are most suitable for their situation and structure funding accordingly. This ensures finance supports operations rather than restricting them.

Our Finance Products & Solutions

Below are the key finance products and solutions we arrange for New Zealand businesses. Each option is structured to align with your financial position and business objectives.

Term Loans

Term loans provide structured funding over an agreed period, with repayments spread across the life of the loan. They are commonly used to fund asset purchases, business investments, or planned expenses where predictable repayments are preferred.

Fixed Loan Facilities

Fixed loan facilities offer certainty by locking in repayment structures for a defined period. This option can help businesses plan cash flow with confidence while funding equipment, assets, or business-related investments.

Leasing (Operating / Fully Maintained)

Leasing allows businesses to use assets without owning them outright. Operating and fully maintained leases can include servicing and maintenance, helping reduce upfront costs and simplify asset management.

Seasonal Payments

Seasonal payment structures allow repayments to align with income cycles. This option is commonly used by businesses with fluctuating or seasonal revenue, helping maintain cash flow during quieter periods.

Working Capital & Revolving Credit

Working capital and revolving credit facilities provide flexible access to funds for day-to-day business operations. These solutions are often used to manage cash flow gaps, fund inventory, or cover short-term operating expenses.

Project Funding

Project funding solutions are structured around specific business projects, such as expansion, infrastructure upgrades, or large-scale investments. Funding is assessed based on project scope, timelines, and projected returns.

Refinance & Restructure of Loans

Refinancing or restructuring existing finance can help improve cash flow, consolidate repayments, or realign loan terms with current business needs. This option is often used when business circumstances change.

Debt Consolidation

Debt consolidation combines multiple business debts into a single finance facility. This can simplify repayments, improve manageability, and, in some cases, reduce overall financing costs.

Release of Equity

Releasing equity allows businesses to unlock value tied up in existing assets. This option can be used to fund growth, reinvest in operations, or support new opportunities without selling assets.

Choosing the Right Finance Product

Different finance products suit different situations. For example:

  • Term loans and leasing are often used for asset acquisition
  • Working capital facilities support day-to-day operations
  • Refinance and equity release can improve cash flow or fund growth
  • Seasonal payments suit businesses with variable income
Our role is to help you determine which finance product — or combination of products — best supports your business objectives.

Why Choose GVK Finance for Finance Solutions?

Independent broker with access to a wide range of NZ lenders

Experience structuring finance across multiple industries

Practical advice focused on business outcomes

Support from initial assessment through to settlement

We take a consultative approach to ensure finance solutions are aligned with how your business actually operates.

Finance Products & Solutions FAQs

Can I use more than one finance product at the same time?
Yes. Many businesses use a combination of finance products to support different parts of their operations.
Are finance solutions available for small businesses?
In many cases, existing finance can be reviewed and restructured to better align with current business needs.
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Talk to a Finance Specialist

If you’re unsure which finance product or solution is right for your business, our team can help assess your options and structure the right funding solution.
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