Fuel Your Business Growth with a Business Loan

Unlock the potential of your business with a tailored Business Loan. Whether you're a small business aiming for expansion or a Small-to-Medium Enterprise (SME), our doors are open to discuss your aspirations and needs.

Collaborating closely with you, we craft solutions that suit your business. Our dedicated team uncovers your challenges, opportunities, and goals, ensuring your loan is structured for success.

Accessing finance for your business shouldn't be a challenge—it should be a partnership. Kontiki Finance is here to help grow your business, providing lending solutions that align with your vision. Let's fuel your next business dream together.

Which Business Loan is Right for You?

In the world of business, financial needs can vary widely. Here are some common scenarios where Business Loans shine:

1. Equipment Purchases

Need cutting-edge tools to enhance your operations? A Business Loan can fund the acquisition of essential equipment to boost productivity.

2. Business Vehicle Purchases

From delivery vans to company cars, Business Loans offer the means to acquire vehicles that keep your business moving.

3. Working Capital

Fuel your growth ambitions with a Business Loan tailored for expansion. Whether opening new locations or purchasing assets, working capital can be the catalyst.

4. Refinancing

Streamline your financial landscape by refinancing existing debt into a manageable Business Loan, freeing up resources for growth.

Decoding Consumer Loans vs. Business Loans

Selecting the right loan can be complex, especially in the business realm. Here's a breakdown of the differences between Consumer Loans and Small Business Loans:

Consumer Loans:

Typically backed by your personal credit history and the assets you own personally. These loans are designed for personal purchases or expenses. The borrower pays the loan from their personal income.

Business Loans:

Typically backed by the business' assets and liabilities and credit history. Business Loans are designed to grow, expand, or optimise operations. The business pays the loan from its income.

By understanding the distinction, you can align your financial choices with your business' unique needs. When it comes to powering up your business, choose the loan that propels your growth.

How does a Business Loan work?

First, we will meet with you to discuss your business needs. If it’s determined that a Business Loan is right for your situation, then we will work with you to structure a loan that will help you fulfill your business needs.

Usually, when you take out a Small Business loan you will get access to a lump sum that you’ll pay back at a fixed interest rate with regular repayments for a pre-agreed term.

Generally, Business Loans are used to fund a specific investment for a small or medium business.

Protecting you and your Loans

With a loan from Kontiki Finance, you get extra protection with our Loan Protection Insurance. This means that if an unfortunate incident occurs, the insurance will cover your repayments and in some cases, it may even pay out the total loan.

So should you be made redundant, permanently injured, or in the very unfortunate incident of your death then you don’t have to worry about leaving debt to your family, instead, the Loan Protection Insurance will step in and help.

Loan Protection Insurance is required on all loans from Kontiki Finance, the insurance is underwritten by Platinum Insurance.

The cost of the Loan Protection Insurance will be outlined in your loan documentation.

Want to learn more?

Our team of Business Loan Experts is on hand and ready to help.

Frequently Asked Questions

The interest rate applied is calculated on the assessed risk inherent in each application.

  • You will need to be a registered business
  • The business to have been operating for a minimum of 12 months
  • 2 valid IDs
  • Business License and Registration Certificate of Corporation
  • TIN Letters
  • 3 – 6 months bank statements
  • Most recent financials
  • 12 months cash flow – if applicable
  • Quotation – if purchasing an asset
  • Minimum deposit is 20% of the purchase price.
  • This will vary depending on the business type and the risk factor assessed for each application.
  • Minimum term is 6 months.
  • Maximum term is 84 months (7 years).
  • Term applicable will depend on the business type and the risk factor assessed for each application.
Repayments will be on a monthly basis.

To apply for a loan, click Apply Now on our website or visit our Service Centres in Suva, Lautoka or Labasa. For assistance, email us at or call us on 330 3400 or 830 3400.

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