Manufacturing loans up to $250k for businesses in New Zealand

Move your business forward with manufacturing finance. We provide the funding you need for your manufacturing business to succeed

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Finance to power your New Zealand manufacturing business

New Zealand’s manufacturing sector has a reputation for being entrepreneurial, adaptable and resilient. Specialising in knowledge-intensive, high-value product production, our businesses enjoy an enviable position both locally and globally.

However, manufacturing businesses need to keep investing in order to stay competitive. New technologies, such as advanced materials, virtual reality and artificial intelligence, can’t be ignored. This is where manufacturing loans can help by smoothing the path to ongoing development.

What manufacturing businesses want is access to finance that’s flexible enough to allow them to plan investment, while remaining reactive to changing commercial conditions. This is exactly the new approach that Spotcap brings to manufacturing loans.

Finance to power your New Zealand manufacturing business

New Zealand’s manufacturing sector has a reputation for being entrepreneurial, adaptable and resilient. Specialising in knowledge-intensive, high-value product production, our businesses enjoy an enviable position both locally and globally.

However, manufacturing businesses need to keep investing in order to stay competitive. New technologies, such as advanced materials, virtual reality and artificial intelligence, can’t be ignored. This is where manufacturing loans can help by smoothing the path to ongoing development.

What manufacturing businesses want is access to finance that’s flexible enough to allow them to plan investment, while remaining reactive to changing commercial conditions. This is exactly the new approach that Spotcap brings to manufacturing loans.

Can a Spotcap loan benefit my manufacturing business?

We provide unsecured and highly versatile loans to manufacturers in New Zealand. Ways that you can put a loan from us to work include:

  • Development of new markets

    You’re not engaged with all the potential markets for your product worldwide. A Spotcap manufacturing loan can fund the actions needed to identify and break open these new areas of opportunity

  • Advance your research and development

    A manufacturing loan from us can give the boost needed to stimulate innovation and creativity in your business. Creating new products, or enhancing your existing designs, can help you to reach new customers

  • Investment in streamlining your processes

    A culture of continual process improvement helps keep you competitive. An injection of finance can pay for the input you need to enhance your manufacturing efficiency

  • Protect your payroll

    Even profitable businesses fail when they don’t have cash available for the payroll. A Spotcap line of credit helps to insulate your business from seasonal lows and unpredictable late payments by your customers

What are the benefits of Spotcap manufacturing finance?

What sets a Spotcap loan apart from most other funding is our forward-looking approach to assessing eligibility. We’ve embraced technology which enables a swift yet robust analysis of the financial condition of your business.

The advantages of a Spotcap manufacturing loan include:

  • Access to unsecured finance of up to $250,000
  • A flexible approach to borrowing and repayments.
  • The entire process is managed online, from application to repayments.

Traditional lenders often see small businesses as a risky investment and ask for security to mitigate the risk. Spotcap assesses risk in a sophisticated way by looking at the real-time performance of the business. An unsecured loan from Spotcap enables manufacturing businesses to access the finance needed to grow without collateral.

What you need to know about our manufacturing finance

Join the businesses across New Zealand benefiting from Spotcap loans

Loan amount

Our loans range from $10k to $250k, made available through a flexible line of credit

Loan terms

When your application is approved, we give you access to a line of credit. You withdraw what you want, when you need it. These withdrawals become loans, usually repayable over 1 to 12 months

Criteria to qualify

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

Interest rates

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

Spotcap loan repayment 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 apply for your manufacturing finance

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Sign up

We need basic personal and business information to initiate the application process

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Complete the application

To finish your online application, connect your accounting software and bank account to our system. The entire process can take less than five minutes

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Get approval

When you’re approved for a business loan, it takes just one working day to access the funds