Reliable non-bank financing options in New Zealand include private equity investors, venture capital, mezzanine finance, vendor financing, and government-backed schemes. These can offer more flexible terms and faster access to funds than traditional banks, especially for small or growing businesses.

In New Zealand, if the thought of dealing with big banks makes you anxious, there are some solid non-bank financing options that can help fund a business acquisition. Private equity and venture capital can step in for growth-focused deals, while mezzanine lenders and specialist business finance firms offer flexible loans that don’t fit the traditional bank mold. Vendor or seller financing is another practical route, letting you pay part of the purchase over time. These alternatives often cost a bit more, but they give you breathing room, speed, and creative ways to make the deal happen without being stuck in endless bank paperwork.