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Bank said No… even though you’ve got 40%+ equity? If... You’ve got a solid investment deal or business opportunity. You’ve run the numbers. You know it stacks. You know you can turn a profit. Or you're in a tricky debt/tax arrears position But after weeks of supplying bank statements, explanations, forecasts, and personal budgets… The bank still says no. Not because the deal is bad. Not because there isn’t enough equity. Not because the exit doesn’t make sense. But because you don’t fit neatly inside their policy box. That’s where non-bank, non-regulated lending comes in. These lenders look at the asset, the equity, and the project, not just payslips and tick-boxes. If you have 40%+ equity, you may be able to: • Unlock equity for an investment project • Fund a purchase, refinance, or bridging deal • Consolidate high-interest or tax arrears • Move quickly on time-sensitive opportunities • Borrow without providing traditional income evidence Rates currently from 6.99% p.a. + fee* (added to the loan) This is for people who: ✔️ Understand leverage ✔️ Have a real plan ✔️ Are comfortable paying a slightly higher rate to get a deal done ✔️ Think like business owners and investors If that sounds like you… Answer a few quick questions and let’s see if your deal fits. Non-regulated loans only. Serious enquiries. Limited funds available at this rate* Non CCCFA lending only https://onestopfinancial.co.nz/contact-us/disclosure-statements/