Small Business Loans - Greenlight Mortgages | Vanessa Belton

Business Lending

Merryn Phillips

Redworx.co.nz

Turned a Bank Nightmare into a Great Result

We approached Vanessa about our mortgage because we were looking to buy a business. We had already gone to the bank and that turned into a nightmare! We left the bank feeling deflated and like it was all over for us.


Vanessa had helped us with our last mortgage, so I sent her an email to see if she could help. Immediately Vanessa sent back an email with some positive and hopeful options...it was such a relief!


Throughout the process Vanessa worked extremely hard to secure our Mortgage, with great communication and encouragement. We felt much more courageous with Vanessa in our corner! She also set us up with some great professionals in her network, to help us navigate other parts of the process.


We now own our own business, and we have Vanessa on speed dial for next time our financial circumstances change. We wholeheartedly recommend contacting Vanessa for either personal or business financial support.

Because we have access to a wide variety of different business lenders we can match you up with the bank and product best for you. No matter whether you require finance for a start up business or are borrowing to finance growth and expansion we can tell you what your options are.
Let's work Together

New Zealand is a land of innovators with around 95% of New Zealand businesses classified as small to medium sized enterprises.


Perhaps you got into business because you wanted to achieve financial wealth? Or maybe you want to focus on a service or product you are passionate about?


Greenlight Mortgages takes a team approach working closely with your other strategic business partners such as:

  • Lawyers
  • Accountants

We get to personally know both you and your business so we can help you to get the finance you need to get your business moving.

Tap into our Expertise

Business and franchise financing is a specialised field that requires expertise and planning. For example banks often take a cautious approach to start up business, especially when unsecured lending is needed. It is important that the information provided to the bank is presented correctly.


We can help you understand the information you need to put forward as well as pin pointing possible areas of concern the bank may have when considering your mortgage so you can put your best foot forward enabling you to secure your loan.


To make life as easy as possible we also ensure the structure of your repayments will fit into the cash flow of your business.

Now and into the Future

We can provide you with the banks start up business package information but also business templates that can assist you with general business planning. If you are starting up a new business tap into our wealth of knowledge and find out what things you might need to be aware of.


We can also provide you with other assistance to get your business moving such as recommending good networking groups and offering access to various business support seminars.


When things change we can be on hand to help assist with your future finance needs. Perhaps you are looking at a different point of sales/payment option? We can advise on which bank might suit you better saving transaction fees.


Or perhaps you have the opportunity to expand and want to assess the viability of this? Be rest assured our advice is in complete confidence and can often help you to assess the situation and plan appropriately before approaching the bank.

Dealing with Greenlight Mortgages gives business owners the best of both worlds – they have an ongoing relationship with us to discuss their needs and concerns confidentially and they have a relationship with the bank to take care of all the mechanical day to day things required to successfully run their business.

Being in Business

Small Business Loans

Buying an existing business or setting up to 'be your own boss' is exciting and can be a life changing experience where you get to do things your way and focus your energy on something you are passionate about.


Getting the loan is just the first step - it's important that repayments are structured to work with your cash flow. At Greenlight we begin with a thorough consultation process that ensures we make the borrowing work for your business.

Working Capital

Working capital is the life-blood of a business and can be the difference between making the most of an opportunity or having to watch it pass by.


Our business planning templates help you do your homework and our experience means we know the key considerations when forecasting cash flow.

Plant & Equipment

The right gear is essential to get the product created or service performed then shipped and billed. Be it for factory floor, job site, adminstration, delivery etc we are here to help you get the finance you need to get the job done.

Alison Ormandy

Ecomist West Auckland

Industry Knowledge

Recently Vanessa helped us to organize financing for a large renovation, a rather tricky job due to both family incomes coming from self-employment.


With her industry knowledge and fantastic brain for numbers Vanessa was able to navigate us through the financing process, one I am sure we would not have been able to do on our own.

A Partnership needs equal 'Buy-in'

Secured business loans can mean a lower of interest rate. But this may not be the best solution for both partners. I have seen one partner offer the family home as security, while the other partner doesn't. This will not be a problem unless the going gets tough.


It is good business practice to ensure all partners have equal commitment to the success of a venture or power struggles and resentment can derail the partnership.


In a situation like this is can be better to take on an unsecured loan for a slightly higher rate. The extra you would outlay is likely to be less than the lawyers fees you would face sorting out an unequal allocation of risk.


Keeping personal and business separate is a good idea. Doing an holistic financial health check can help keep everyone safe from undue risk.

Investing in Commercial Property

In this exciting and interesting market and the banks vary in what they are willing to finance. We can help match you needs with the banks preference to create an investment that works for both of you.

Let's Save you Money, Time & Stress 

Contact me, Vanessa, today.

Available 7 days, 8.30-8.30.

Wondering how the conversation might flow? Click below for an outline of the unique Greenlight Comprehensive Consultation Process:


Your Place or Online

Mobile Service - Warkworth to Papakura

Video Conference Service - Nationwide

Let's Save you
Money, Time & Stress 

Contact me, Vanessa, today.

Available 7 days, 8.30-8.30.

Wondering how the conversation might flow? Click below for an outline of the unique Greenlight Process:

Working Together -
Your Place or Online 

Mobile Service - Warkworth to Papakura

Video Conference Service - Nationwide

I have great partnerships with these lenders. Through those strong relationships I can get the best results for you.

Copyright text 2018 by Greenlight Mortgages, 27 Zanders Road, Waimauku, 0882

Privacy Policy | Website by UpSurge

I have great partnerships with these lenders. Through those strong relationships I can get the best results for you.

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Copyright text 2018 by Greenlight Mortgages, 27 Zanders Road, Waimauku, 0882

 Privacy Policy | Website by UpSurge

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