Fund your business with

short-term business loans

Bridge cash flow gaps with short-term capital

It’s not unusual for businesses to experience cycles of low revenue between busy periods. Rather than falling behind, our short term loans can provide financing to carry you through lean periods. We offer flexible capital so businesses have funds to bridge the gaps between productive seasons.

Inject funds within days to immediately address pressing cash deficiencies. Benefit from customised repayment terms aligned with your collection cycles – pay back as invoices get paid.

We recognise seasonal swings can strain otherwise strong businesses. Let’s explore a short term loan tailored to your revenue cycles so you can maintain momentum throughout
the year.

Why choose Luminate?

For over 20 years, Luminate has been solving clients’ financial problems and getting them moving forward.
No two applications are the same – we will tailor a solution to your unique situation.

Customised loan options

We work closely with you to design customised loan packages that suit your financial needs, offering competitive interest rates and flexible repayment terms.

Experienced loan advisors

Our team of experienced loan advisers understands the variability that comes with self-employed finances and provides tailored advice for your situation.

Wide range of lenders

We have access to a vast network of lenders specialising in alt-doc loans. As a result, you get more loan options to choose from and increase your chances of getting approved.

Book a Call

Build towards stability and success over the long term

A short-term business loan provides operating capital to invest in your company’s growth during critical junctures. Access the financing you need to expand inventory, take on more projects, or bridge cash flow gaps.

  • Make key inventory purchases to fulfil more orders and meet customer demand.

  • Take advantage of growth opportunities even during temporary cash crunches.

  • Avoid falling behind on operating expenses while awaiting payments.

Get the funding you need in 4 simple steps

Get started

Contact us

Get in touch with our team of experts by phone, email, or filling out our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

Provide the necessary documents so we can assess your eligibility. We’ll look at your income, expenses, credit history, and, if applicable, your property details.

Approval and terms

If approved, we’ll present you with loan terms including the interest rate, fees, loan amount and repayment structure. Ask us questions and make sure you understand the offer.

Settlement

Once you accept the offer, we’ll take care of the legal paperwork and administration. After you execute the documents, any outstanding conditions and the settlement of your loan will take place, moving you forward.

Ready to transform your finances?

Take the next step and let our expert team guide you through every part of the process—from finding out how much you can borrow to choosing the right loan features.

Contact us
Contact us

Visit

11 McColl Street,
Newmarket,
Auckland 1023

Our Services

Our Privacy Policy

We understand how important it is to protect your personal information. Click “read more” to view our commitment to privacy.

Read more.

Information

© Copyright - Luminate Home Loans. All rights reserved. Made by 19Design