FAQs

We are certified financial advisers specialising in lending. If you are buying a business, starting a business, or need working capital for a business, we are the experts to find you the funding and advise on the appropriate structure based on your business needs.

There are plenty of options or products available when it comes to structuring finance to meet your business needs. At Finance Link our team has assisted hundreds of business owners with viable financial solutions that fortify and grow their operation.

Click here to see what solutions we offer

We don’t operate like the banks; we work like we are part of your business. We strive to understand your aspirations, what’s is going to make you successful and what you need to do to achieve this. We can then be the bridge between you and the bank to source the best funding options. This translates into better choice, better value, and better service than what a bank can offer you.

Better choice. We can offer a more diverse set of options to borrowers and specialised advice. We carry a portfolio of products from a wide range of registered banks and a vast network of non-bank lenders. Access to many of these lenders is only available through certified financial advisers.

Better value. Our knowledge of the market and experience as former commercial bankers means we can increase your bargaining power when it comes to negotiating with lenders, resulting in more competitive pricing and avoids the time-spend of searching across the ecosystem of lenders yourself.

Better service. We offer personalised service that work with your schedule – on the weekend or after hours. We work with you and directly with your lawyer, accountant and business broker to advise on the right structure and best rates to save you money, time and stress. With hundreds of products available with different rates, structures and lifespans, we help you understand the options available and how they impact your financial situation.

Step 1: We have an initial meeting to understand the needs and goals of the business.

Step 2: We research, analyse and agree on a funding strategy.

Step 3: We take care of the loan application process and seek approval from the bank or other funding partners.

Step 4: We work with you through settlement and continue to follow up and regularly check in through your business growth stages.

There is no maximum on how much you can borrow. Typically, it depends how much the business is making, the value of your assets, the size of your deposit, employment situation, the amount of income you’re generating from all sources.

Typically, business loans are repayable over 5 years but if you’re security the acquisition through residential property, repayment of the loan can be stretched out up to 30 years.

Have an idea of what your goals are or what you want to achieve. For example, what is the nature of the business you want to start or what is the sale price of the business you want to buy.

The approval period for the loan depends on the complexity of the business but typically it takes between 5 and 7 business days from the time we receive all required information from you.

We make our money from commissions paid to by the banks, not by fees charged to you. So it costs you the same whether you use us or do it all yourself. If there are any fees associated with your loan, this will be discussed with you prior to engagement of our work together.

We collect your personal information directly from you. We may also collect your personal information from NZ Financial Services Group Limited (NZFSG) and its related bodies corporate; credit reporting agencies; with your authorisation, banks and employers; other loan and insurance providers; and any other person authorised by you or the Privacy Act.

For more information on our commitment to protect your privacy, please click this link.

If you are not satisfied with our services or financial advice, please tell us as soon as possible:

Name: Camille Collins
Email: camille@financelink.co.nz
Phone number: 021 260 9556

We have an internal complaints process designed to fairly, timely and transparently handle any concerns you may have. If you have a complaint we will:

• Acknowledge your complaint in writing within 24 hours.
• Within 2 working days, we will provide an overview of how our internal complaints process will handle with your complaint.
• We aim to resolve the complaint within 7 working days. If this is not possible, we will advise you of progress and give the reason for the delay.

If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme, Financial Dispute Resolution Service. Financial Dispute Resolution Service provides a free and independent dispute resolution service that may help to resolve your complaint if we haven’t been able to do so to your satisfaction.

To contact Financial Dispute Resolution Service:

Call: 0508 337 337
Email: enquiries@fdrs.org.nz
Write to: Freepost 231075, PO Box 2272, Wellington, New Zealand 6140
Membership No. 8076