{"id":3962,"date":"2020-04-07T01:55:14","date_gmt":"2020-04-07T01:55:14","guid":{"rendered":"https:\/\/www.reckon.com\/nz\/?page_id=3962"},"modified":"2026-01-14T11:09:43","modified_gmt":"2026-01-13T22:09:43","slug":"business-loans","status":"publish","type":"page","link":"https:\/\/www.reckon.com\/nz\/business-loans\/","title":{"rendered":"Reckon Loans &#8211; Home"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;HEADER&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color_gradient_direction=&#8221;171deg&#8221; background_image=&#8221;https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2024\/10\/Background.png&#8221; background_size=&#8221;custom&#8221; background_image_width=&#8221;50%&#8221; background_position=&#8221;top_right&#8221; background_last_edited=&#8221;on|desktop&#8221; background_enable_image_tablet=&#8221;off&#8221; background_image_width_tablet=&#8221;50%&#8221; background_image_width_phone=&#8221;60%&#8221; background_position_tablet=&#8221;top_right&#8221; background_vertical_offset_tablet=&#8221;45%&#8221; background_vertical_offset_phone=&#8221;25%&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; width=&#8221;75%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|phone&#8221; hover_enabled=&#8221;0&#8243; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h1>Business loans for small businesses<\/h1>\n<p>Apply today for a loan that works for your business.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#apply&#8221; button_text=&#8221;Apply now&#8221; button_alignment_tablet=&#8221;center&#8221; button_alignment_phone=&#8221;&#8221; button_alignment_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_image src=&#8221;https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2023\/02\/Reckon-Loans-Prospa-Logo_RGB.png&#8221; title_text=&#8221;Reckon Loans + Prospa Logo RGB&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; width=&#8221;400px&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2020\/08\/Reckon-loans-business-customer.jpg&#8221; title_text=&#8221;Reckon Loans Business Customer&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|tablet&#8221; module_class=&#8221;image-mask&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; max_height=&#8221;470px&#8221; border_radii=&#8221;off|27px|27px|27px|&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Business lending made simple<\/h2>\n<p>Reckon Loans provides fast access to business funding up to $1M to help make business happen.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb image=&#8221;https:\/\/www.reckon.com\/au\/wp-content\/uploads\/2023\/06\/620-x-414-1.webp&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 class=\"    card-title h3 mt-0 mt-lg-2 mb-0\">Small Business Loan up to $500K<\/h2>\n<div class=\"    card-text pds-body-medium mt-2 mb-3 mb-lg-0 \">\n<ul>\n<li>Fixed repayments over 3 &#8211; 60 months, with early payout options<\/li>\n<li>No upfront security required up to $150K<\/li>\n<li>Apply in 10 minutes, with minimal paperwork<\/li>\n<\/ul>\n<\/div>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb image=&#8221;https:\/\/www.reckon.com\/au\/wp-content\/uploads\/2023\/06\/620-x-414.webp&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 class=\" card-title h3 mt-0 mt-lg-2 mb-0\">Revolving Business Line of Credit up to $500K<\/h2>\n<div class=\" card-text pds-body-medium mt-2 mb-3 mb-lg-0 \">\n<ul>\n<li>Repay and reuse over the 24 month term<\/li>\n<li>Only pay interest on the funds you use in your business line of credit<\/li>\n<li>No origination fees<\/li>\n<\/ul>\n<\/div>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb image=&#8221;https:\/\/www.reckon.com\/au\/wp-content\/uploads\/2023\/06\/620-x-414-2.webp&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 class=\" card-title h3 mt-0 mt-lg-2 mb-0\">Business Loan Plus up to $1M<\/h2>\n<div class=\" card-text pds-body-medium mt-2 mb-3 mb-lg-0 \">\n<ul>\n<li>Fixed repayments over 3 &#8211; 60 months, with unlimited extra repayments and early pay out options<\/li>\n<li>Upfront property security required. Flexible options to suit your circumstances<\/li>\n<li>Use your property to unlock more value for your business<\/li>\n<\/ul>\n<\/div>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;20px||||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;#apply&#8221; button_text=&#8221;Apply now&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Apply now button&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;on|on|on&#8221; admin_label=&#8221;OFFER SECTION HIDE\/UNHIDE&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e7e6ed&#8221; custom_margin=&#8221;||||false|false&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#0a004a&#8221; text_font_size=&#8221;24px&#8221; header_text_color=&#8221;#0a004a&#8221; header_2_text_color=&#8221;#0a004a&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>No repayments for the first 6 weeks on eligible small business loans*<\/h2>\n<p><strong>Need funds for this EOFY? <\/strong>With no repayments for the first 6 weeks, our ongoing credit facility gives you the breathing space you need to get your business on track. Whether you need a term loan to cover a shortfall in your cash flow or to fund major projects, Reckon Loans is here to help.\u00a0<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#apply&#8221; button_text=&#8221;APPLY NOW&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#0a004a&#8221; text_font_size=&#8221;15px&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><a href=\"#things\">*THINGS YOU SHOULD KNOW<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#0a004a&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row module_id=&#8221;success-stories&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Success stories&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Success Stories<\/h2>\n<p>See how we have helped other businesses just like yours with their finance!<br \/>\n[\/et_pb_text][et_pb_code _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<script src=\"https:\/\/fast.wistia.com\/embed\/medias\/9u9vfhnm38.jsonp\" async><\/script><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\">\n<div class=\"wistia_embed wistia_async_9u9vfhnm38 seo=true videoFoam=true\" style=\"height:100%;position:relative;width:100%\">\n<div class=\"wistia_swatch\" style=\"height:100%;left:0;opacity:0;overflow:hidden;position:absolute;top:0;transition:opacity 200ms;width:100%;\"><img decoding=\"async\" src=\"https:\/\/fast.wistia.com\/embed\/medias\/9u9vfhnm38\/swatch\" style=\"filter:blur(5px);height:100%;object-fit:contain;width:100%;\" alt=\"\" aria-hidden=\"true\" onload=\"this.parentNode.style.opacity=1;\" \/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;50px||40px||false|false&#8221; custom_padding_tablet=&#8221;50px||0px|0px|false|false&#8221; custom_padding_phone=&#8221;90px||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;20px||||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;What you need to have ready&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">What you need to have ready<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;blurb-icon-link&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;For loans of $250,000 or less, all you need is:&#8221; image=&#8221;https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2020\/03\/money-bill-wave.svg&#8221; alt=&#8221;For loans of $150,000 or less, all you need is:&#8221; icon_alignment=&#8221;left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; header_level=&#8221;h5&#8243; animation=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ol>\n<li>Driver\u2019s Licence<\/li>\n<li>New Zealand Business Number<\/li>\n<li>Up to 12 months of bank statements<\/li>\n<\/ol>\n<p>*You can use the electronic bank statements link which is secure, quick and easy to use<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;For loans over $250,000&#8243; image=&#8221;https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2020\/03\/sack-dollar.svg&#8221; alt=&#8221;For loans over $150,000&#8243; icon_alignment=&#8221;left&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; header_level=&#8221;h5&#8243; animation=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]You will need some basic financial statements like a P&amp;L and cash flow, so we can evaluate the health of your business and see what kind of repayments your business can manage without stress.<br \/>\n[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;apply&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f3f2f6&#8243; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Form heading&#8221; module_id=&#8221;prospa-title&#8221; _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; custom_padding=&#8221;||10px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 class=\"prospa-title\">Business loans made easy<\/h2>\n<p>Complete the application below and get a fast decision and funding possible in 24 hours.<br \/>\n[\/et_pb_text][et_pb_code admin_label=&#8221;Prospa Form Custom&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<script src=\"https:\/\/ajax.aspnetcdn.com\/ajax\/jquery.validate\/1.11.1\/jquery.validate.js\"><\/script>\r\n<script src=\"https:\/\/ajax.microsoft.com\/ajax\/jquery.validate\/1.11.1\/additional-methods.js\"><\/script>\r\n    <div id=\"prospa-form\" class=\"prospa-form\">\r\n    <form class=\"prospa-form\" id=\"prospa-form-main\">\r\n        <p class=\"field_full\">\r\n            <label for=\"prospa_loan_amount\" class=\"prospa_loan_amount\">How much would you like to borrow?<\/label>\r\n            <span class=\"prospa_loan_amount\"><input type=\"text\" id=\"prospa_loan_amount\" class=\"input\" name=\"prospa_loan_amount\" \/><\/span>\r\n        <\/p>\r\n\r\n        <p class=\"field_full\">\r\n            <label for=\"prospa_loan_duration\" class=\"prospa_loan_duration\">How long do you want this loan for?<\/label>\r\n            <select id=\"prospa_loan_duration\" class=\"select\" value=\"\" name=\"prospa_loan_duration\">\r\n            <\/select>\r\n        <\/p>\r\n        <p class=\"field_full\">\r\n            <label for=\"prospa_first_name\" class=\"prospa_first_name\">First name<\/label>\r\n            <input type=\"text\" id=\"prospa_first_name\" class=\"input\" name=\"prospa_first_name\" \/>\r\n        <\/p>\r\n        <p class=\"field_full\">\r\n            <label for=\"prospa_last_name\" class=\"prospa_last_name\">Last name<\/label>\r\n            <input type=\"text\" id=\"prospa_last_name\" class=\"input\" value=\"\" name=\"prospa_last_name\" \/>\r\n        <\/p>\r\n        <p class=\"field_full\">\r\n            <label for=\"prospa_trading_name\" class=\"prospa_trading_name\">Business name<\/label>\r\n            <input type=\"text\" id=\"prospa_trading_name\" class=\"input\" name=\"prospa_trading_name\" \/>\r\n        <\/p>\r\n        <p class=\"field_full\">\r\n            <label for=\"prospa_mobile\" class=\"prospa_mobile\">Mobile<\/label>\r\n            <input type=\"tel\" id=\"prospa_mobile\" class=\"input\" value=\"\" name=\"prospa_mobile\" \/>\r\n        <\/p>\r\n        <p class=\"field_full\">\r\n            <label for=\"prospa_email\" class=\"prospa_email\">Email Address<\/label>\r\n            <input type=\"email\" id=\"prospa_email\" class=\"input\" value=\"\" name=\"prospa_email\" \/>\r\n        <\/p>\r\n         <p class=\"field_full\">\r\n            <label for=\"prospa_turnover\" class=\"prospa_turnover\">Monthly turnover <\/label>\r\n            <select id=\"prospa_turnover\" class=\"select\" value=\"\" name=\"prospa_turnover\" \/>\r\n                <option value=\"0\" class=\"disabled\">Please select<\/option>\r\n                <option label=\"less than $6,000\" value=\"1\">less than $6,000<\/option>\r\n                <option label=\"more than $6,000\" value=\"2\">more than $6,000<\/option>\r\n            <\/select>\r\n        <\/p>\r\n         <p class=\"field_full\">\r\n            <label for=\"prospa_trading_history\" class=\"prospa_trading_history\">Trading history<\/label>\r\n            <select id=\"prospa_trading_history\" class=\"select\" value=\"\" name=\"prospa_trading_history\" \/>\r\n                <option value=\"0\" class=\"disabled\">Please select<\/option>\r\n                <option label=\"less than 6 months\" value=\"1\">less than 6 months<\/option>\r\n                <option label=\"more than 6 months\" value=\"2\">more than 6 months<\/option>\r\n            <\/select>\r\n        <\/p>\r\n        <input name=\"prospa_state\" type=\"hidden\" value=\"NZ\" \/>\r\n        <input id=\"prospa_country\" name=\"prospa_country\" type=\"hidden\" value=\"NZ\" \/>\r\n        <p class=\"field_full submit-wrapper\">\r\n            <button type=\"submit\" id=\"prospa-submit\" class=\"et_pb_button\">Let's get started<\/button>\r\n        <\/p>\r\n    <\/form>\r\n<\/div>[\/et_pb_code][et_pb_text admin_label=&#8221;Thank you message&#8221; module_id=&#8221;prospa-thank-you&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;14px&#8221; text_line_height=&#8221;1.3em&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 class=\"prospa-title\">Thank you for submitting your application for a Reckon Loan<\/h2>\n<p class=\"prospa-desc\">We&#8217;ll notify you shortly on the status of your application and we may request some additional information from you.<\/p>\n<p class=\"prospa-desc\"><span style=\"line-height: 1.7em;\">In the meantime, please read the <\/span><a style=\"line-height: 1.7em;\" href=\"https:\/\/www.reckon.com\/nz\/business-loans\/#faq\" target=\"_blank\" rel=\"noopener noreferrer\">FAQs<\/a><span style=\"line-height: 1.7em;\"> for any questions you may have.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Non-eligible message&#8221; module_id=&#8221;prospa-non-eligible&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;23px&#8221; text_line_height=&#8221;1.3em&#8221; text_orientation=&#8221;center&#8221; custom_css_main_element=&#8221;display:none;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 class=\"prospa-title\">Thanks for enquiring about funding with Reckon.<\/h2>\n<p class=\"prospa-desc\">Unfortunately, we are currently not able to progress your enquiry to the application stage because your business does not meet our eligibility criteria.<\/p>\n<p>[\/et_pb_text][et_pb_text module_id=&#8221;THINGS&#8221; _builder_version=&#8221;4.27.4&#8243; text_font_size=&#8221;14px&#8221; text_line_height=&#8221;1.3em&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;30px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-257507 size-medium\" src=\"https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2023\/02\/Reckon-Loans-Prospa-Logo_RGB-1-300x48.png\" alt=\"\" width=\"300\" height=\"48\" \/><\/p>\n<p>Reckon Loans is a service offered by Prospa Advance Pty Ltd ACN 154 775 667. Reckon Limited is the introducer only and does not guarantee or support Prospa Advance Pty Ltd in any way. Prospa is not part of Reckon Limited. Reckon receives a fee for referral or may elect to participate in the loan. 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 conditions apply. These rates apply to Prospa\u2019s small business loan product only. See <a class=\"c-link\" href=\"https:\/\/prospa.com\/\" target=\"_blank\" rel=\"noopener noreferrer\" aria-describedby=\"slack-kit-tooltip\">prospa.com<\/a>\u00a0for more details.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;faq&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||200px||false|false&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;FAQ&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Frequently asked questions<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; module_class=&#8221;faqs&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_toggle title=&#8221;What&#8217;s Reckon Loans?&#8221; admin_label=&#8221;What&#8217;s Reckon Loans?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Reckon Loans helps business owners access business loans from $5,000 to $500,000. The term of the business loan is between 3 and 36 months, with cash flow friendly repayments that are either daily or weekly.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;How fast will I get a response?&#8221; admin_label=&#8221;How fast will I get a response?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]You can receive a response in as little as one hour, if you apply during standard business hours and allow Prospa to use an advanced bank verification system link to instantly verify your bank information online. If you choose to upload copies of your bank statement, Prospa can usually provide a decision in one business day. It\u2019s much faster than your bank.<\/p>\n<p>&nbsp;<br \/>\n[\/et_pb_toggle][et_pb_toggle title=&#8221;How fast will I get the money?&#8221; admin_label=&#8221;How fast will I get the money?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]If you apply before 4pm on a business day, you could have money in your account that same business day. Otherwise, you will receive funding the next business day.<\/p>\n<p>&nbsp;<br \/>\n[\/et_pb_toggle][et_pb_toggle title=&#8221;What are the fees?&#8221; admin_label=&#8221;What are the fees?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]When you apply for our business loan, we will assess the risk profile of your business and provide you with a customised offer including loan amount, term and interest rate. The offer varies based on things like your industry, how long you\u2019ve been in business, and the health of your cash flow.<\/p>\n<p>When you take out a business loan with Reckon Loans, the only fee you will incur is an origination fee. There are no hidden fees for our business loans, and you\u2019ll know exactly how much you need to pay and when from day one. There\u2019s no compounding interest, no additional costs for early repayment and no additional fees (as long as you make your payments on time).<br \/>\n[\/et_pb_toggle][et_pb_toggle title=&#8221;What are the repayment options?&#8221; admin_label=&#8221;What are the repayment options?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]Prospa offers daily or weekly repayments that are automatically deducted from your nominated business account, which ensures repayments are seamless.<br \/>\n[\/et_pb_toggle][et_pb_toggle title=&#8221;Is there any penalty for early repayment?&#8221; admin_label=&#8221;Is there any penalty for early repayment?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]There are no fees for early repayment and no balloon payment at the end of your business loan. Once you make the final payment, your balance will be $0.00.<\/p>\n<p>&nbsp;<br \/>\n[\/et_pb_toggle][et_pb_toggle title=&#8221;Do business loans rely on your credit score?&#8221; admin_label=&#8221;Is there any penalty for early repayment?&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p data-pm-slice=\"1 1 []\">Like traditional lenders, Prospa will conduct a credit check to look at your personal credit score in conjunction with your business health. Credit reporting bodies will compile a report on your credit worthiness based on a range of factors which include how many loan applications you have already made, your current credit if you have any, any overdue bills, past bankruptcy if applicable and any pending writs or court judgments.<\/p>\n<p data-pm-slice=\"1 1 []\">Prospa does not rely solely on your personal credit score, they focus on evaluating the health of your business. They have developed a complex credit assessment tool which takes into account over 450 separate pieces of information.<\/p>\n<p>If you apply for a loan of\u00a0<span class=\"token\" data-token-key=\"sbl-min-loan-amount\">$5,000<\/span>\u00a0to\u00a0<span class=\"token\" data-token-key=\"no-docs\">$150,000<\/span>, minimum trading history periods apply. If you need\u00a0<span class=\"token\" data-token-key=\"no-docs\">$150,000<\/span>\u00a0to\u00a0<span class=\"token\" data-token-key=\"sbl-max-loan-amount\">$500,000<\/span> we\u2019ll require additional financials like a P&amp;L statement.\u00a0<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_toggle title=&#8221;Why is Reckon introducing Prospa?&#8221; admin_label=&#8221;Why is Reckon introducing Prospa?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]At Reckon, we\u2019re transforming the way small businesses access financing. We\u2019re making business lending smarter, faster and easier. That\u2019s why we\u2019ve engaged Prospa, one of the #1 rated financial services companies on TrustPilot. Prospa has funded more than $1.6 billion to over 28,750 Australian &amp; New Zealand businesses.<br \/>\n[\/et_pb_toggle][et_pb_toggle title=&#8221;How does Reckon work with Prospa?&#8221; admin_label=&#8221;How does Reckon work with Prospa?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]Reckon Loans is powered by Prospa. Reckon Limited is not a provider of financial services. Reckon Limited acts as an introducer only.<\/p>\n<p>&nbsp;<br \/>\n[\/et_pb_toggle][et_pb_toggle title=&#8221;What is the interest rate?&#8221; admin_label=&#8221;What is the interest rate?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]Our interest rates vary depending on things like industry, how long you&#8217;ve been in business, and the health of your cash flow.<\/p>\n<p>If you wish to receive your individual rate from Reckon Loans, please call us on 0800 367 282.<br \/>\n[\/et_pb_toggle][et_pb_toggle title=&#8221;How much can I borrow?&#8221; admin_label=&#8221;How much can I borrow?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Prospa may be able to provide you with a business loan of up to $500,000. The total amount of your loan will depend on the specific circumstances of your business.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;What can Reckon Loans be used for?&#8221; admin_label=&#8221;What can Reckon Loans be used for?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Need finance to expand your business plan and reach your business goals? Our fast and flexible business loan can be used for any worthwhile purpose including renovations, marketing, to purchase inventory, new equipment, general working capital and any other business requirement.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Is it safe to link my bank account to the platform?&#8221; admin_label=&#8221;Is it safe to link my bank account to the platform?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]Yes. Prospa is compliant with all applicable Australian quality and security standards. Prospa also encrypt all personal, sensitive and financial data. Prospa uses an advanced bank verification system link to instantly verify your bank information online so they can provide a response, usually in one hour.[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Testimonial&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; background_image=&#8221;https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2020\/08\/reckon-loans-testimonial-image.jpg&#8221; min_height=&#8221;70vh&#8221; min_height_tablet=&#8221;&#8221; min_height_phone=&#8221;&#8221; min_height_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;0px||-20px||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||||false|false&#8221; background_last_edited=&#8221;off|desktop&#8221; background_enable_image_phone=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;170deg&#8221; background_color_gradient_stops=&#8221;#F3F6F9 0%|#DDE1E5 100%&#8221; background_color_gradient_start=&#8221;#F3F6F9&#8243; background_color_gradient_end=&#8221;#DDE1E5&#8243; width=&#8221;100%&#8221; custom_margin=&#8221;-150px||||false|false&#8221; custom_margin_phone=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; custom_padding=&#8221;75px|100px|64px|64px|false|false&#8221; custom_padding_tablet=&#8221;||50px||false|false&#8221; custom_padding_phone=&#8221;60px|40px|50px|40px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off||60px|60px|60px&#8221; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;off||40px|40px|40px&#8221; border_radii_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>\u201cThe process was too easy. I made the phone call, answered all the questions, and it took half an hour. I was approved for a business loan within 24hrs and the funds were in my account that afternoon.\u201d<\/h4>\n<p><strong><em>Yesha Avsar, Just Pets<\/em><\/strong><br \/>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Business loans for small businesses Apply today for a loan that works for your business.Business lending made simple Reckon Loans provides fast access to business funding up to $1M to help make business happen.Small Business Loan up to $500K Fixed repayments over 3 &#8211; 60 months, with early payout options No upfront security required up [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\r\n<p>This is an example page. 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