Rose Ruby - Small Business Loans

Fast, Flexible Business Funding –  No Upfront Credit Checks!

Rose Ruby offers quick and accessible business loans with flexible repayments for SMEs across New Zealand.

Key Eligibility Criteria

Active NZBN 
Minimum 6 months of trading history
Annual business revenue $70K+
100% Online Application

Apply anytime, anywhere across New Zealand with our seamless, fully online process.

Same-Day Settlements

Get funds approved in as little as 3 hours! Enjoy personalized support from our expert loan specialists every step of the way.

High Approval Rates

Bad credit? Existing loans? No problem! We assess your business as a whole to determine your creditworthiness.

No Upfront Credit Checks

Receive a conditional offer without impacting your credit score—no upfront checks required.

Borrow up to $2,500,000

Access $100,000 - $2,500,000 Line of Credit or Term Loans with ease, directly online

No Security Needed

Depending on the loan size we do not need property as security.

Being a business owner is hard. Unexpected expenses, delays in invoice payments, larger than expected provisional tax payments, or machinery breaking down right before a major job can create financial stress.

At Rose Ruby we support all types of business across NZ with fast and flexible loans when you need them most. With approvals in as little as 24 hours, we’re here to help you get back on track and keep your business running smoothly.

*Subject to loan size no property required

Specialist non-bank and private funding for commercial enterprise

Get Financed Fast

Full Name*
Company*
Phone*
NZBN*
Loan Amount*
How long have you been trading for?*
Annual Revenue*
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