Book

Avanti Business Lending

Flexible lending solutions designed to make business borrowing more accessible
Specialist Lending

Flexible lending solutions designed to
make business borrowing more accessible.

  • Business

    Asset Finance Term Loan
    Designed to help businesses invest in new assets or refinance existing ones.
    Commonly used for:
    • Business assets
    • Vehicles
    • Equipment
    • Investment properties
  • Business

    Working Capital Term Loan
    Designed for customers who need a short-term cash injection to run their business.
    Commonly used for:
    • Rent
    • Wages
    • Purchasing supplies
  • Business

    Caveat Secured Loan
    Designed for customers who require fast, flexible funding to meet pressing personal and business needs.
    Commonly used for:
    • Capital injection into a business
    • Debt consolidation
    • Working capital
    • IRD / tax bills
    • Cost overrun on a build
    • Renovations
  • Business

    Property Development Loan
    Designed to support experienced developers across the full lifecyle of residential property development projects.
    Commonly used for:
    • Pre-development
    • Construction
    • Residual stock
  • Business

    Commercial Property Loan
    Designed for customers investing in properties for commercial use.
    Commonly used for:
    • Purchasing owner-occupied commercial premises
    • Refinancing existing commercial property loans
    • Investing in commercial properties
  • Business

    Bridging Home Loan
    Designed for customers requiring short-term funding between major transactions.
    Commonly used for:
    • Property bridging
    • Renovations to sell
    • Second mortgages
Business
Business

Asset Finance Term
Loan

Designed to help businesses invest in new assets or refinance existing ones.
Commonly used for:
  • Business assets
  • Vehicles
  • Equipment
  • Investment properties
Business
Business

Working Capital Term
Loan

Designed for customers who need a short-term cash injection to run their business.
Commonly used for:
  • Rent
  • Wages
  • Purchasing supplies
Business
Business

Caveat Secured
Loan

Designed for customers who require fast, flexible funding to meet pressing business needs.
Commonly used for:
  • Capital injection into a business
  • Debt consolidation
  • Working capital
  • IRD / tax bills
  • Cost overrun on a build
  • Renovations
Business
Business

Property Development
Loan

Designed to support experienced developers across the full lifecyle of residential property development projects.
Commonly used for:
  • Pre-development
  • Construction
  • Residual stock
Business
Business

Commercial Property
Loan

Designed for customers investing in properties for commercial use.
Commonly used for:
  • Purchasing owner-occupied commercial premises
  • Refinancing existing commercial property loans
  • Investing in commercial properties
Business
Business

Bridging
Loan

Designed for customers requiring short-term funding between major transactions.
Commonly used for:
  • Property bridging
  • Renovations to sell
  • Second mortgages

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Book a meeting
Specialist Lending

How does Avanti help your business?

Speed

We understand speed is key. Our focus on efficiency means we have a fast response time. Apply online in just 5 minutes and get approved in 24 hours.

Range

We provide financing to a broad customer range, from sole traders to SMEs to property developers. Our business lending products are designed to make business borrowing more accessible.

Flexibility

Our business lending products are simple and flexible. Our minimum criteria are more accessible than the banks. Customers are only required to be over 9 months in business and achieve $10,000 minimum monthly sales.

Specialist Lending

Reach out to our dedicated
Business lending team

Staff Photo

I’m passionate about supporting SME growth. With over a decade experience in commercial lending, I develop lasting relationships with brokers and tailor funding solutions to meet clients’ financing needs.

Rajesh Raghavan
Relationship Manager
Specialist Lending

Other Products

Personal Lending
Information Sheet

Effective from April 2025

Amounts
$1000 - $75,000
Loan term
6 - 84 months
Fixed interest rate
14.95% - 27.95% p.a.
Avanti Personal Loans offer unsecured fixed interest rates.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria.
Consumer Auto Lending
Information Sheet

Effective from 13 October 2025

Amounts
$2,500 - $500,000
Loan term
6 – 84 months
Fixed interest rate
9.40% - 24.95% p.a.
Avanti Auto Loans offer secured fixed interest rates and may include an introducer margin.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria.
Commercial Auto Lending
Information Sheet

Effective from 13 October 2025

Amounts
$2,500 - $500,000
Loan term
6 – 84 months
Fixed interest rate
9.40% - 24.95% p.a.
Avanti Auto Loans offer secured fixed interest rates and may include an introducer margin.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria.
Property Lending
Information Sheet

Effective from 1 December 2025

Long term first mortgages
Near Prime Variable Base Rate
6.35% p.a.
Specialist Variable Base Rate
7.55% p.a.
Loan term
5 - 30 years
Near Prime Maximum LVR: Owner-Occupied
90%
Near Prime Maximum LVR: Investment
90%
Specialist Maximum LVR: Owner-Occupied
85%
Specialist Maximum LVR: Investment
80%
Short term first mortgages
≤65% LVR Fixed Rate From
7.39% p.a.
>65.01% – 80% LVR Fixed Rate From
7.99% p.a.
Short term caveat mortgage
From 13.85%
Loan term: Bridging
6 months - 3 years
Loan term: Caveat or Second Mortgage
6 months - 10 years
Maximum LVR: Bridging
80%
Maximum LVR: Caveat or Second Mortgage
100%

For further details or to discuss which loan is right for your client, give one of our BDMs a call.

High LVRs >80% may have a margin of up to 1% applied to the rate.
Lending criteria, fees, terms, and conditions apply. Interest rates and fees are subject to change.
Asset Finance Term
Loan Information Sheet

Effective from 15 December 2025

Amounts
$5,000 - $500,000
Loan term
6 months –
5 years
Fixed interest rate
11.45% -
19.50% p.a.
Avanti Asset Finance Term Loans offer secured fixed interest rates and may include an introducer margin.
Property security may be required for loans over $100,000.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Working Capital Term
Loan Information Sheet

Effective from 15 December 2025

Amounts
$5,000 - $100,000
Loan term
12 - 24 months
(Longer term may be considered)
Fixed interest rate
14.95% -
18.95% p.a.
Avanti Working Capital Term Loans offer fixed interest rates. Security may be required.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Caveat Secured
Loan Information Sheet

Effective from 15 December 2025

Amounts
Up to $150,000
Loan term
6 months - 2 years
Fixed interest rate from
13.85% p.a.
Avanti Caveat Secured Loans offer secured fixed interest rates and may include an introducer margin.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Property Development
Loan Information Sheet

Effective from 15 December 2025

Amounts
$1,000,000
- $10,000,000 plus
Loan term
Up to 3 years
Fixed interest rate
7.50%
- 10.00% p.a.
Avanti Property Development Loans offer secured fixed interest rates and may include an introducer margin.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Commercial Property
Loan Information Sheet

Effective from 9 February 2026

Amounts
$100,000 - $4,000,000
(Auckland)
$100,000 - $2,000,000
(Other main centres)
Loan term
2 - 15 years
Payments can be amortised up to 25 years.
Commercial variable base rate
7.99% p.a.
Maximum LVR
70% (GST exclusive, fees included)
Maximum credit limit is exclusive of fees.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
Bridging
Loan Information Sheet

Effective from 15 December 2025

Amounts
Up to $2,500,000
(Auckland & Queenstown Lakes)
Up to $2,000,000
(Other main centres)
Up to $1,000,000
(All other locations)
Loan term
6 months - 3 years
Fixed interest rate from
7.39% p.a. (LVR up to 65%)
7.99% p.a. (LVR 65.01% - 80%)
Maximum LVR 80%.
Interest rate depends on the profile of the customer and is subject to Avanti Finance lending criteria. Fees, terms and conditions apply.
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Helen Mulligan
National Sales Manager – Property
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Bridgitte Turner
Business Development Manager Northland, Auckland North and West
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Richard Speir
Business Development Manager Auckland Central and East, Bay of Plenty
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Harriet Wright
Business Development Manager Auckland South and Waikato
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Paul Rolton
Business Development Manager Lower North Island, Wellington and Taranaki
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Mark Nolan
Business Development Manager South Island
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Jerard d'Unienville
National Sales Manager - Auto
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Rob Dean
Relationship Manager Franchise
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Anthony Galbraith
Relationship Manager Northland, Auckland Central, North & West
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Kim Dwyer
Relationship Manager Auckland Central, South & East
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Jessie Hutchins
Relationship Manager Waikato & Bay of Plenty
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Annie Wild
Relationship Manager Lower North Island
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Chloe Webster
Relationship Manager Christchurch & Upper South Island
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Brittany Thomas
Relationship Manager Christchurch & Lower South Island
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Ryan Nickelchok
Business Development Manager & Strategic Projects Lead
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Rajesh Raghavan
Relationship Manager