The right lending structure can have a lasting impact on your business, your assets, and your future opportunities. That’s why we look beyond the loan itself, taking the time to understand where you’re headed and what you’re working to achieve. We work closely with your accountant, lawyer, and other trusted professionals to ensure every lending decision is made with the full picture in mind.
Our lending team is led by Paul Ejamme, an award-winning lending adviser recognised as KAN Outstanding Specialist Mortgage Adviser of the Year 2026, bringing nationally recognised expertise to every client relationship.
What we can help with
Commercial lending covers a lot of ground. We regularly advise on:
- Leveraging residential or commercial property equity for business use
- Financing business assets and equipment
- Purchasing a business outright
- Commercial property purchases
- Development and construction finance
- Refinancing and debt consolidation for business
- Working capital funding
Whether you prefer to meet in person or go fully online, our simple, digital process makes it easy to get expert advice from anywhere in New Zealand.
Simplify your business lending journey.
Our Commercial Lending advisers.
Meet the team behind smarter lending advice, helping you borrow well and build wealth.
FAQs
We work with a wide range of businesses, from sole traders and family businesses through to established companies seeking funding for growth, acquisitions, property purchases, or working capital.
Yes, and it’s one of the more common ways established business owners access capital. We’ll help you understand what’s available, how to minimise risks, and how to structure it properly.
It depends on your financials, the nature of the business, the security available, and the lender. We’ll give you a realistic picture early in the process.
It depends on the lender, the type of finance, and how straightforward your situation is. We’ll give you a realistic timeframe upfront and keep things moving on our end.
It varies by type of lending, but lenders typically want to see recent financial statements, tax returns, bank statements, and details of any existing debt. We’ll tell you exactly what’s needed early in the process so there are no surprises.
Banks tend to have stricter criteria for factors such as serviceability, sector exposure, and security. Non-bank lenders can offer more flexibility – sometimes a faster turnaround, different security arrangements, or a willingness to consider situations that don’t fit a standard bank’s appetite. We work with both and will recommend whoever is the right fit for your situation.
Absolutely. For most commercial transactions, working alongside other trusted professionals is essential. We’re experienced working as part of a wider advisory team and will coordinate as needed.
A mortgage broker focuses on finding and placing the loan. As financial advisers, we consider the lending decision in the context of your wider financial position: your business, personal assets, tax situation, and long-term goals. It’s a broader conversation, and for most business owners, that broader view is where the real value sits.
Lenders assess the business itself – not just your personal income- and the security arrangements are often more complex. We’ll walk you through exactly what’s required for your situation from the outset.
Yes, and it’s a significant part of what we do. Whether it’s for business use or you’re leveraging your business position to invest, we’ll help you structure it properly.
Not necessarily, but we’d strongly encourage it if you don’t. Good business lending advice and good accounting advice go hand in hand at this level. If you need a referral, we can point you to trusted professionals.
In most cases, there is no upfront cost. We’ll always be clear about any fees before any work begins.
Business Insurance
Practical business insurance designed with real-world challenges in mind, giving you freedom to focus on what matters.