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Helping Eligible Small Businesses Grow Or Cover Unexpected Expenses

Kiwi small businesses trust Kingbird to provide funds to help keep them moving. Could your business use a bit of a cash flow boost right now?

  • Grow or expand your business
  • Support working capital
  • Cover invoice gaps
  • Repair equipment or machinery
  • Pay staff or suppliers
  • Marketing campaigns or a website
  • Buy office or café furniture
  • Manage late paying customers
  • Purchase urgent stock
Apply Now

Funding possible within 24hours *

Business loans from $5K to $500K*

Repayments that work with your cash flow*

Loan terms from 3 to 36 months*

There is no asset security required upfront to access funding up to $150,000*

Been rejected by the bank?

Have any of the following scenarios happened to you?

  • Your bank has said no
  • You are self employed and struggling to get a loan
  • You are asset rich but income poor
  • You have bad credit
  • You have been discharged from bankruptcy 
 
If you said yes to one or more of these scenarios, we might be able to help! Apply today to find out if we can help.

No repayments for the first 8 weeks on business loans settled by 31 December*.

The offer will extend the loan term by 8 weeks and interest will accrue from the settlement to the end of the term. Click here for full terms & conditions and eligibility criteria.

Step 1

Submit your details

First we need a few details about you and your business. Select the button below and fill out the form. It takes less than a minute and there’s no obligation.

 

Apply Now
Step 2

Speak to a specialist

We or our lending partner will call for a quick chat about your business and answer any questions you have. If you wish to proceed we will complete the application with you.

Apply Now
Step 3

Get a fast decision

The process is quick and easy. You’ll get a fast decision, with funding possible in 24 hours to approved applicants.

Apply Now

Does your business qualify?

You can apply for a Small Business Loan with Kingbird if you:

  • are a New Zealand Citizen (or Permanent Resident) and are over 18 years
  • own a New Zealand business (with a valid NZBN/IRD)
  • Turnover of more than $6,000 per month
  • Can demonstrate at least 6 months of trading

Terms and Conditions
The information on this website is provided for general information only and does not take into account your personal situation. You should consider whether theinformation is appropriate to your needs, and where appropriate, seek professional advice from nancial, legal and taxation advisers. Although every eort has beenmade to verify the accuracy of the information, Prospa, its ocers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded),for any error, inaccuracy, or omission from the information or any loss or damage suered by any person directly or indirectly through relying on this information.Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditionsapply. FSP663891. NZBN 9429046731678

LIMITED TIME OFFER: No repayment period offer available to new and existing customers on a new or refinanced Prospa Small Business Loan or Prospa Plus Business Loan that is approved and settled between 25 October and 31 December 2021 (inclusive). Approved customers can elect to take an optional initial no repayment period of between 1 to 8 weeks from the loan settlement date, during which interest will accrue but no repayments will be required. Total loan repayment term will be extended by the time equal to the selected no repayment period (1 to 8 weeks) and interest will accrue from the loan settlement date until the end of the term. Interest that accrues on the loan during the no repayment period is capitalised and included in the total interest expense and forms part of the regular fixed daily or weekly repayments due on each payment date following the end of the no repayment $500K period. Offer only available to businesses established and operating in New Zealand. Offer not available to refinance an existing Prospa loan that is within a no repayment period at the time of application, or in conjunction with any other Prospa offer. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.

We specialise in helping NZ businesses secure financial solutions that fit their needs. With 30+ lenders and a variety of loan options, we can do the legwork for you, whilst you focus on running your business.

KINGBIRD IS REGISTERED UNDER THE FINANCIAL ADVICE PROVIDER FSP1000364) AS A PROVIDER OF FINANCIAL ADVICE TO BOTH WHOLESALE AND RETAIL CLIENTS.

IAN BAILEY, IS A DIRECTOR AND OWNER OF KINGBIRD LIMITED AND HAS CONTRACTED TO KINGBIRD LIMITED UNDER HIS PERSONAL LICENSE (FSP1000411) AND PROVIDES FINANCIAL ADVICE SERVICES IN RELATION TO RESIDENTIAL MORTGAGES.

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Important Information

Registered Financial Service Provider

For the purposes of the provision of Advice in relation to mortgages, Ian Bailey is contracted to Kingbird Limited under License FSP1000364 and operates under the Kingbird Limited Class 2 Financial Advice Provider (“FAP”) license.

Kingbird Limited is a member of the Disputes Resolution Scheme via Financial Services Complaints Limited., under FSCL number 8615

Kingbird Limited Privacy Policy

Pursuant to the Privacy Act 2020, this Privacy Policy governs the way Kingbird Limited collects, uses, maintains and discloses information collected from users (“User” and “you”) of the kingbird.co.nz website or via one of our advisors.

GENERAL PURPOSE OF COLLECTION
Kingbird Limited (“kingbird”, “we” and “us”) needs to collect personal information from you and from others and share your information with others to:

Assess your application for credit, or offer a service or market a product to you that is either our product or a product that we market or administer or conduct market research, where the information is combined with other information and in a form that does not identify you or meet our internal operational requirements, such as for credit and risk management, system or product development and planning, insurance, audit and administrative purposes; or to facilitate the transfer or assignment of our rights.

CONSENT

By agreeing to this Privacy Policy, you consent and authorise us to:

  1. Provide your personal information to a credit reporter, including Equifax New Zealand Information Services and Solutions Limited or Dun & Bradstreet (New Zealand) Ltd, for identity verification, credit reporting (including comprehensive credit reporting) and monitoring services both now and in the future.
  2. Make disclosure of any personal information to any third party that provides services to us, including but not limited to any bank, law firm, other professional, debt collection agency, a market research firm, insurer, potential assignee, transferee or another person whom we anticipate entering into contractual relations in connection with this loan, any third party who has or may have a financial interest in this loan, or any other person or organisation authorised by you, who has agreed only to collect, hold, use, and share your personal information for the purposes for which it has been given to them.
  3. Disclose and receive your personal information, including but not limited to details of this loan, any associated loan application, any financial dealings you may have with us, your address, telephone number(s), the place where you work, details of your income and any convictions you may have, with the organisations set out in paragraphs 1 and 2 above and in relation to the purposes listed above. You have a right to ask us not to use your personal information for the purpose of marketing or offering a service to you.

    Please Note:
    • If you do not consent, we will not be able to consider your application.
    • The lenders we work with may also use your personal information in the above ways.

By using our services, you accept this Privacy Policy. If you do not agree to this Policy, please do not use our Website or Services.

WHAT WE COLLECT
Personal identification information
We may collect the following information:

  • Your name, email address and contact information.
  • Information necessary to verify your identity as required by anti-money laundering laws.
  • Demographic information such as postcode, preferences and interests.
  • Other information relevant to customer
    surveys and/or special offers.
  • Financial details pertaining to a loan application or other financial services.
    We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our website, register on the website, place an order, fill out a form, or fill out a form we provide you.

We may use that information:

  • to consider this application.
  • to consider any future application for products or services which involves you.
    We can also use it:
  • to administer and monitor products or services provided to you.
  • to comply with legal and regulatory requirements (including identity verification requirements)
  • to provide you with information about other products or services, including those of selected third parties
  • generally, to develop and run our business; and
  • as otherwise described in our Privacy Policy.

 

You agree that – for those purposes – we can provide information about you to, and obtain information about you from, other organisations or people we consider appropriate. Those organisations might include our service providers, other financial and insurance institutions, government departments, your employer or accountant, third parties for the purposes of fraud prevention, identity verification, and any other purposes relevant to those purposes (those third parties may retain information and use it for identity verification and fraud detection purposes), and other appropriate persons.


Non-personal identification information

  • We may collect non-personal identification information about Clients whenever they interact with our Website. Non-personal identification information may include the browser name, the type of computer and technical information about Users’ means of connection to our Website, such as the operating system and the Internet service providers utilized and other similar information.
  • Web browser cookies: Our Website may use “cookies” to enhance User experience. A User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent. If you do this, some parts of the Website may not function properly.


How we use collected information
We may collect and use Users’ personal information (via our Web site) for the following purposes:
• To run and operate our Website
We may need your information to display content on the Website correctly.
• To personalise the Users’ experience
We may use the aggregated information to understand how our Users as a group use the services and resources provided on our Website.
• To improve our Website


We may use feedback you provide to improve our products and services.

How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on the Website.

Sharing your personal information
We do not sell, trade, or rent Users’ personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third-party service providers to help us operate our business and the Website or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes.

Third-party websites
Users may find advertising or other content on our Website that links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Website. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites that have a link to our Website, is subject to that website’s own terms and policies.

Google Analytics cookies
This website uses Google Analytics to help analyse how visitors use this website. Google Analytics uses “cookies”, which are small text files placed on your computer, to collect standard internet log information and visitor behaviour information in an anonymous form.
The anonymous information generated by Google Analytics cookies about your use of this website is transmitted to Google. This information is processed to compile statistical reports on website activity for this website only.

Google Remarketing
We may use Google AdWords Remarketing to advertise Kingbird across the Internet on the Google Display Network.
AdWords remarketing may display ads to a User based on what parts of the Kingbird website you have viewed by placing a cookie on your web browser.

This cookie does not in any way identify you individually or give access to your computer or mobile device. The cookie is used to indicate to other websites that “This User visited a particular page, so show them ads relating to that page.”

Google AdWords Remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you.
If you do not wish to see ads from Kingbird, you can opt-out in several ways:
• 1. Opt out of Google’s use of cookies by visiting Google’s Ads Settings
• 2. Opt out of a third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page.

CHANGES TO THIS PRIVACY POLICY
Kingbird has the discretion to update this privacy policy at any time. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

ELECTRONIC COMMUNICATIONS
You consent to us communicating with you electronically with respect to your application and/or loan. You also consent to us sending you marketing material and/or messages electronically or otherwise, even after you have repaid your loan in full. We will always give you the ability to opt-out or unsubscribe from our emails. We may use third-party service providers to help us send out newsletters or surveys.

CONTACTING US
If you have any questions about this Privacy Policy or your dealings with us, please email us at [email protected]
By Accessing the Kingbird website, I Agree to the above conditions.