# Loans

> The main kinds of business finance in New Zealand, who each one suits and what to check before you sign.

- [Business loans in New Zealand](https://smallbusinessloan.co.nz/loans/business-loans): You can get business loans in New Zealand from banks or online lenders, and each has its own pricing. Learn how they compare and what you'll need to apply.
- [Unsecured business loans](https://smallbusinessloan.co.nz/loans/unsecured-business-loans): An unsecured business loan doesn't need your house or equipment as security. Learn how these loans work in New Zealand, what a personal guarantee means and what they cost.
- [Start-up business loans](https://smallbusinessloan.co.nz/loans/start-up-loans): Getting a start-up business loan in New Zealand is hard because most lenders want to see a trading history. See what options are out there for new businesses, like home loans and asset finance.
- [Business loans with bad credit](https://smallbusinessloan.co.nz/loans/bad-credit): Bad credit can make it harder to get a business loan in New Zealand. Learn how lenders check your credit, which ones might still lend to you and how to improve your chances.