Question 1

What kind of advice does Finance Link provide?

Accepted Answer

We are certified financial advisers specialising in lending. We help with buying or starting a business, working capital, and structuring finance based on your business needs.

Question 2

Why use Finance Link’s services instead of going direct to a bank?

Accepted Answer

Our approach offers better choice (access to many banks and non-bank lenders), better value (negotiated competitive pricing), and personalized service, including flexibility in meeting times and coordination with your professional advisors.

Question 3

What is the typical process to get a loan?

Accepted Answer

1) Initial meeting to understand your business needs and goals. 2) Research, analysis, and agreement on a funding strategy. 3) We prepare and lodge your loan application. 4) We support you through settlement and follow up during your growth stages.

Question 4

What is the maximum I can borrow?

Accepted Answer

There is no set maximum – it depends on your business income, assets, deposit size, employment, and overall financial position.

Question 5

How long do I have to repay my loan?

Accepted Answer

Business loans are typically repayable over five years. If secured against residential property, terms can extend up to 30 years.

Question 6

What information should I have ready for our first call?

Accepted Answer

Be prepared to share your goals and what you're trying to achieve—for instance, details about the business you wish to start or buy, including sale price.

Question 7

How long does it take to get a loan approved?

Accepted Answer

Approval typically takes between 5 and 7 business days after we've received all the required information.

Question 8

What does this cost me?

Accepted Answer

We earn commissions from lenders, so there's no additional cost to you compared to going direct. Any applicable fees will be discussed upfront.

Question 9

How will my information be collected and protected?

Accepted Answer

We collect data directly from you and from authorised sources (e.g., credit agencies, banks) under the Privacy Act. We’re committed to protecting your privacy—see our Privacy Policy for details.

Question 10

What if I’m not happy with my services?

Accepted Answer

Contact Aaron Brownlee at info@financelink.co.nz or 0800 88 00 99. We acknowledge complaints within 24 hrs, aim to resolve issues within 7 working days, and you can escalate to the Financial Dispute Resolution Service (0508 337 337) if needed.

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