G'day, Australia · Kia ora, New Zealand
Business funding questions? Ask Mr.
Mr Business Loans is the friendly face that answers funding questions for owners on both sides of the Tasman. Straight answers, side-by-side explainers, and a real person in your country when you're ready.
- No credit check to enquire
- Australia + New Zealand
- $20k – $5m property-secured
Mr in Australia
ATO debt, BAS time, ABN questions, second mortgages and caveat loans, answered for Australian owners. Enquiries are read by a real person on mrbusinessloan.com.au.
Start in Australia →Mr in New Zealand
IRD debt, GST at 15%, provisional tax, NZBNs and borrowing against your house, answered for Kiwi owners. Enquiries are read by a real person on mrbusinessloans.co.nz.
Start in New Zealand →Try it now
Ask Mr anything
Tap a question. Mr answers in a sentence or three, then points you to the full answer. The full tool has dozens more for each country.
Can I get a business loan if I owe the ATO?
Often, yes. Lenders look at how big the debt is next to your turnover, whether you have a payment plan you're keeping, and whether there's property security. Some owners borrow specifically to clear the ATO in one hit, swapping compounding interest that's no longer deductible for one predictable repayment.
Read Mr's full answer →Same question, two answers
Australia vs New Zealand, side by side
The cheat sheet trans-Tasman owners wish someone had handed them. Tap a row for Mr's full explainer.
Trading across the ditch
A foot on each side of the Tasman?
Aussies selling into New Zealand, Kiwis opening in Australia, owners who've moved, and groups with a company in each country. Mr's favourite people.
Aussie business into NZ
Expanding an Australian business into New Zealand: Overseas Register within 10 working days, NZ GST at 15%, the resident-director rule and funding the move.
Read Mr's answer →Kiwi business into Australia
Expanding a New Zealand business into Australia: ASIC foreign company registration and ARBN, local agent, ABN and GST at $75,000, director IDs and funding.
Read Mr's answer →Where to apply
Should a trans-Tasman business apply for funding in Australia or New Zealand? Mr's simple rule: follow the borrower and the security. Scenarios inside.
Read Mr's answer →Cross-border GST
GST on sales between Australia and New Zealand: GST-free and zero-rated exports, the 60-day and 28-day rules, low value goods and remote services.
Read Mr's answer →Getting paid
Getting paid by customers across the Tasman: payment terms, exchange rate swings, invoicing in which currency, slow payers and funding the gap.
Read Mr's answer →Moving across
Moved from Australia to New Zealand or the other way? How credit history, business records, tax and property affect funding in your new country.
Read Mr's answer →Trans-Tasman tax basics
Trans-Tasman tax basics for business owners: two tax offices, two year-ends, the Australia–NZ double tax agreement, GST in both, and questions to ask.
Read Mr's answer →Mr's promises
Asking is easy. Here's why.
No credit check to ask
Starting an enquiry on either country site leaves your credit file alone. A check only comes up once you choose to go ahead.
No spray-and-pray
Your details aren't fired off to a crowd of lenders. Someone in your country looks at your situation and matches it with care.
A real person reads it
A human on the Australian or New Zealand side calls to talk it through. Honest, accurate form answers get you the right match first go.
One small favour: please fill in the form on your country's site accurately. Honest numbers mean the right match the first time.
One-minute quiz
Which funding route fits you?
Six quick questions about where you trade, property, time in business and what the money's for. Mr suggests the route worth discussing and which country to start in.
Take the quiz →Who's the bloke in the bowler hat?
Meet Mr Business Loans
He's a cartoon, so he doesn't sleep, doesn't eat pavlova (he's not getting into that argument) and has never once lost his briefcase. He exists for one reason: to make business funding feel less like a maze and more like a chat with someone who's on your side.
Read Mr's story →Mr's guides
Guides for owners on both sides
Calendars, checklists and translators for the bits of running a business that change across the Tasman.
Tax Due Dates Side by Side: Australia and NZ 2026–27
Australian and New Zealand business tax due dates side by side for 2026–27: BAS, PAYG instalments, GST returns, provisional tax and PAYE, month by month.
Read the guide → Payroll2026 Payroll Changes: Payday Super and KiwiSaver at 3.5%
A plan for employers in Australia and NZ: Payday Super from 1 July 2026, KiwiSaver at 3.5% from 1 April 2026 and 4% in 2028, with cash flow steps.
Read the guide → Trans-Tasman basicsAussie vs Kiwi Business Jargon: Mr's Plain Translator
BAS or GST return? Super or KiwiSaver? ASIC or Companies Office? Mr's plain-English translator for Australian and New Zealand business and lending terms.
Read the guide → Buying a businessBuying a Business Across the Tasman: A Guide for Owners
Buying a business in New Zealand as an Australian, or in Australia as a Kiwi: due diligence, structure, GST on the sale, registrations and funding.
Read the guide → Getting readyBusiness Loan Documents: Australia and NZ Checklist
The documents business lenders ask for in Australia and New Zealand, side by side: ID, bank statements, BAS or GST returns, tax statements and property.
Read the guide → Trans-Tasman planningTwo Year-Ends: Planning for 30 June and 31 March
Running entities in Australia and New Zealand means two year-ends: 30 June and 31 March. A calm plan for stocktakes, tax, cash and funding on both sides.
Read the guide →Updated 4 October 2026
Quick questions for Mr
What is Mr Business Loans?
Mr Business Loans is a friendly guide to business funding for owners in Australia and New Zealand, with side-by-side explainers for both countries and help for trans-Tasman businesses. Enquiries are handled by Mr's Australian site and his New Zealand site.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire on either country site. A credit check is only discussed once you decide to go ahead.
How much can a business borrow?
Property-secured options run from $20,000 to $5,000,000 using residential or commercial property. Unsecured and cash-flow options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.
Will my details be sent to lots of lenders?
No. There's no spray-and-pray. A real person in your country looks at your situation and matches it with care.
Do you consider bad credit or tax debt?
Yes, case by case, on both sides. Past credit issues and ATO or IRD debt don't automatically rule you out, especially with property security or an arrangement you're keeping to.
Which site should I use if I trade in both countries?
Start where any property you'd use as security is. If there's no property, start where the borrowing business trades and banks. Mr's country chooser explains more.
Do you publish interest rates?
No. Every business loan is priced on the business's own circumstances, so a headline rate would only mislead. A real person explains the actual costs once they understand your situation.
Ready to see what's possible?
Choose your side of the Tasman. A short enquiry on that country's site, no credit check when you first ask, and a real person who calls you back.
Trading in both countries, or not sure? Let Mr help you choose.
No credit check to ask
No spray-and-pray
A real person reads it