Construction and trades
Wages and materials go out weekly, payment claims come in late and retentions sit for months. fundU funds builders and tradies from $20,000 to $1m, secured on property you already own.
Explore fundingFunding by industry
Business funding built around your industry
Every industry has its own cash flow rhythm — retentions in construction, the off-season in tourism, stock builds in retail, fleet costs in transport. fundU looks at how your business actually earns its money and lends against New Zealand property to bridge the gaps.
Industry
Industry
Hospitality and tourism
Busy summers, quiet winters and rising wage costs make hospitality cash flow hard to predict. fundU funds cafes, restaurants, bars and tourism operators from $20,000 to $1m, secured on property.
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Industry
Retail and e-commerce
Stock has to be bought and paid for months before it sells. fundU funds New Zealand retailers and online stores from $20,000 to $1m, secured on property, so you're ready for your busiest season.
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Industry
Transport and logistics
Fuel, road user charges and wages are paid now, while customers pay on 30 days or longer. fundU funds transport and logistics operators from $20,000 to $1m, secured on property.
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Industry
Manufacturing and engineering
New machinery, raw materials and big orders all need cash before the product ships. fundU funds New Zealand manufacturers and engineering firms from $20,000 to $1m, secured on property.
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Industry
Rural and agribusiness
Rural businesses spend before the season and get paid after it. fundU funds rural contractors, growers and rural service businesses from $20,000 to $1m, secured on residential, commercial or some lifestyle property.
Explore fundingA practical next step
Don't see your industry?
fundU lends to most New Zealand businesses with a genuine business purpose and property security. Tell us what you do and what you need — we'll tell you quickly whether we can help.