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Business Loans

At Xceda we focus on what businesses need

Better access to finance

At all stages of their life cycle. The main lending institutions are focused on their existing, larger customers. Xceda provides all types of business with vital access to funding to fulfil their business strategies.


Personal service

We focus on understanding our clients, their customers and the sector in which they operate. This allows us to personalise the service.


Flexible financing solutions

NZ small and medium size businesses face many and varied challenges. We have developed our business lending product to offer maximum flexibility as we know that one size does not fit all. We also know that not all businesses are equipped for growth, so at Xceda we work with business owners and management to improve their lending conduct, ultimately assisting them to become more “bankable” as they grow.


Digital innovations solutions

Innovation is key to the success of all SMEs, and we know that offering a streamlined customer experience utilising digital technology is vital to allowing our clients get on with servicing their customers and not tied down with paperwork and processes.

For example, we can integrate our lending system with a customer’s accounting or bookkeeping system (e.g. Xero).


Our Loan Products

We offer 3 types of loan products to enable you to choose a facility that suits the needs of your business

Invoice Finance icon

Invoice Finance

  • Facilities up to $500,000
  • Secured against the invoices issued by your company to your customers
  • Lending typically up to 80% of the value of approved invoices
Invoice Finance
Term Loans icon

Term Loans

  • Loans up to $500,000
  • Fixed term for greater certainty to your business
  • For any business purpose
  • Cash flow repayment matching
  • Flexible terms
Term Loans
Line of Credit icon

Line of Credit

  • Line of credit facility up to $500,000
  • Tailored to allow drawdown for defined stages of your business project
  • For any business purpose
  • Flexible access to credit to allow for growth plan and reinvestment of profit
Line of Credit
Revolving Credit Facility icon

Revolving Credit Facility

  • Drawdown limit up to $500,000
  • Designed for businesses with fluctuating or seasonal cashflow needs
  • For any business purpose
  • Defined review periods
Revolving Credit Facility

Talk to us today

Call us

Loans & General Enquiries:

0800 11 22 74

Investments & Term Deposits

0800 11 22 75

Email us

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