Short Term Business Loans
Fast Funding When You Need It
Fast access to vital funding from a local lender — at better rates and terms than most others offer. Whether it's an unexpected cost or a time-sensitive opportunity, we can help.
Ready when you need it, gone when you don't
Business doesn't always go to plan. Sometimes an opportunity appears that you need to move on quickly. Sometimes an unexpected bill or obligation needs to be met. Our Short Term Business Loans are designed for exactly those moments.
We're a local NZ lender, which means fast decisions, sensible terms, and no dealing with faceless overseas finance companies. For existing CFF clients, there's no delay — we'll have a pre-approved facility ready to draw within minutes of you asking.
Short Term Loans are ideal for:
- Unexpected business expenses or obligations
- Time-sensitive opportunities (stock, equipment, tenders)
- Bridging a short-term cash flow gap
- Meeting a payment deadline while waiting on a large receivable
- Taking advantage of bulk purchase or supplier discounts
- Any situation where you need funds fast
Why borrow from CFF?
Fast Approval
Simple, fast and friendly approval process. Existing clients can access pre-approved funding almost immediately.
Local Lender
NZ owned and operated. Decisions made here, by people who understand your local market and business context.
Better Rates
Better rates and terms than most other short-term lenders. We're fair, transparent, and don't hide fees in the fine print.
Flexible Repayments
Weekly, fortnightly or monthly repayments via automatic payment or direct debit. Invoice finance clients can repay directly from their facility.
No Early Repayment Penalty
Pay it back early whenever you can — we actively encourage it. Draw again when you need it. No early repayment penalties, ever.
Accounting Support
We can manage your accounting for you — one less thing to worry about when you're already busy running your business.
Getting funds when you need them
Apply or Request
New clients complete our simple application. Existing CFF clients simply request the funds — approval is typically immediate to a pre-agreed level.
Sign the Funding Document
A simple, straightforward funding document — no pages of fine print. We explain everything clearly before you sign anything.
Receive Your Funds
Funds transferred promptly. Repay on your agreed schedule — weekly, fortnightly, or monthly — or early when it suits you.
Get a short term business loan in place quickly
Don't let a cash flow gap cost you an opportunity. Talk to us today — we respond fast and make decisions quickly.