Secured Business Loans

The traditional way to finance your growth – our secured business loans are fixed for a period of time (up to five years), and are secured against an asset owned either by the business or a director. Find out more about our competitive interest rates and repayment structures today.

Unsecured Business Loans

No security available but good cashflows and healthy credit record? An unsecured business loan could be the option for your business needs. At MINT we can lend up to $75,000 for unsecured business finance, on terms of up to three years. Ask our team about your options today.

Key Information

Secured: $5,000 - $500,000+
Unsecured: $5,000 - $75,000

Secured: 3 months to 5 years
Unsecured: 3 months to 3 years

Interest Rates
Secured: From 8% p.a.
Unsecured: From 9% p.a.

Monthly and Quarterly

Time to Finance
48 hours after approval

Our lending partners


  • How long will it take to complete the online application?

    It’s pretty quick – we’d say between 3 to 5 minutes of your time.

  • What do I need to apply for finance with MINT?

    It can vary depending on your circumstances, but in general for existing businesses we ask for your business financials (if available) and three months of business bank statements.

  • What is the minimum or maximum business finance I can apply for?

    The minimum amount we can finance is $5,000. The maximum for Secured Business Loans is $500,000, and the maximum for Unsecured Business Loans $75,000.

  • Why is the interest rate higher for an Unsecured Business Loan?

    Generally speaking, assets are used as ‘back-up’ for the lender should a borrower be unable to repay loan. If no assets can be used to secure the loan, there is more risk for the lender that the funds may not be repaid. In short, with an unsecured loan you pay more for the extra risk the lender is taking on.

  • How do I make payments?

    Payments are made monthly and are taken by direct debit from your nominated bank account.

  • I have questions: who can I talk to?

    You’re welcome to contact one of our Business Finance specialists. You can give them a call on 0800 666 023 or request a call by clicking here.

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How much do you need?


What do you need the finance for?

When do you need the finance?

How we help small businesses

Ale Benintende

"Working with MINT was great – not only because they were so easy to deal with and obviously knew what they were talking about, but for me most importantly, they were quick to sort out lending that was right for what I needed." -Ale Benintende

C Hayden

"Referring a client to a lender is no small thing: you have to trust that they’re going to focus on your clients needs, provide sound guidance and do all of that without delay. That’s why we like MINT – they get what business owners need in a finance partner." - C Hayden, Auckland

1.* Rates of 7.95% subject to lending criteria and eligibility. 1 hour approval and same-day payout subject to the applicant meeting the lending criteria and supplying all the required information to process the loan application.
2. Our lender will independently assess whether you are eligible for a loan. We don't provide advice on whether a particular car loan offered by a lender is suitable for you.
3. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about lending through Mint Finance are not regulated financial advice.
This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.