Flexible agricultural finance up to $250k in New Zealand

Grow your farming opportunities with a finance solution tailored to your needs. Discover how a Spotcap agricultural loan can help

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Versatile agricultural lending in New Zealand

Agriculture is the backbone of the New Zealand economy, feeding over 40 million people across 100 nations. We have one of the most efficient and innovative agricultural economies in the world and a long tradition as pioneers in agritech development.

New Zealand’s farmers make extensive use of high-tech solutions across their businesses in areas such as pasture management and animal handling. They also have a strong focus on budgeting, productivity analysis and management.

Agricultural lending is another important consideration for this sector. Because farms receive no direct government subsidies, farmers are very commercially aware and appreciate the value of flexible, affordable finance.

Versatile agricultural lending in New Zealand

Agriculture is the backbone of the New Zealand economy, feeding over 40 million people across 100 nations. We have one of the most efficient and innovative agricultural economies in the world and a long tradition as pioneers in agritech development.

New Zealand’s farmers make extensive use of high-tech solutions across their businesses in areas such as pasture management and animal handling. They also have a strong focus on budgeting, productivity analysis and management.

Agricultural lending is another important consideration for this sector. Because farms receive no direct government subsidies, farmers are very commercially aware and appreciate the value of flexible, affordable finance.

How can Spotcap agricultural finance work for me?

Farmers in New Zealand have long embraced innovation and technology in all aspects of their businesses. Spotcap offers a new approach to agricultural loans that takes full advantage of today’s digital technologies to deliver a solution designed for today’s businesses.

The Spotcap solution is ideal for New Zealand businesses that want to:

  • Save time on applying for and managing agricultural loans, because it’s all online.
  • Stay in full control of their finance costs, with a flexible capability to borrow and repay.
  • Enjoy the benefit of unsecured borrowing at competitive rates of interest.

Unlike many traditional lenders, Spotcap takes a more forward-looking approach when it comes to assessing loan applications.

How can my agricultural business benefit from Spotcap finance?

  • To improve operational efficiency

    There’s always scope to boost productivity by working smarter. Taking an agricultural loan from Spotcap can give you the cash required to develop more efficient ways of working and achieve efficiency gains

  • Invest in innovation

    Keep your agricultural business one step ahead by using the latest tools and processes. A loan can provide the funds required to research and adopt the latest practices and even experiment with new ideas

  • To provide essential working capital

    Seasonal fluctuations in your bank balance can be a problem, particularly when you’re looking to invest for the coming seasons. Agricultural finance can make a real difference by providing the funds you need to be ready for the months ahead

  • To enjoy peace of mind

    A Spotcap loan can help you escape the worry of not having enough working capital to make essential payments. Knowing you have funds available to meet your commitments allows you to focus on running your business

Key facts about Spotcap agribusiness finance

How much can an agribusiness borrow?

We help businesses by lending amounts of between $10k and $250k

What are typical loan terms?

A Spotcap loan starts as a line of credit. You draw down funds as and when you need them. These withdrawals become loans, usually repayable over 1 to 12 months

What are the criteria to qualify for agribusiness finance?

Our basic eligibility requirements are: your business must be registered and based in New Zealand with a turnover of at least $200k, have a New Zealand online bank account, and have been operating for at least 18 months

What interest rates are charged on borrowings?

Our business loan calculator can help you estimate interest costs and monthly repayments. The rate on your loan will depend on both market conditions and your recent business performance

Spotcap calculator

  • Amount
    $ 125,000
  • Time
    6 months

$14,951

Monthly Repayment

For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

Monthly Repayment

$14,951

  • Amount
    $ 125,000
  • Time
    6months
For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

How to request an agribusiness loan from Spotcap

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Sign up

Provide your basic personal and business information to initiate the application process

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Complete the application

To complete your application, upload your bank statements and submit your financial reports, either by uploading them or linking your accounting software

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Get approval

Once approved for a business loan, you’ll normally be able to access funds within one working day