{
  "vertical": "business-lending",
  "insurer": {
    "slug": "go-taxi",
    "name": "Taxi (Go Taxi)",
    "brand_family": "Taxi"
  },
  "product": {
    "slug": "taxi-funding",
    "name": "Taxi Funding (provisional-tax-pooling-based)",
    "status": "active",
    "positioning_summary": "Borrow up to 90% of the provisional tax payments you've made through Taxi in the prior 12 months. The provisional-tax-pool acts as security; held in a Public Trust account at IRD. 9-month repayment period with skip-payment flexibility. Funds released the next working day. Distinct from traditional secured/unsecured business loans."
  },
  "wording": {
    "version": "html-capture-2026-05-18",
    "ingested_at": "2026-05-18T07:08:29.744402+00:00",
    "pdf_hash": "f1901e646438f2b9b32f4ce741cc7a7237cc458949a41d86f8bb1dd8391663d6",
    "source_url": "https://gotaxi.co.nz/",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "fees": {
      "note": "Skip payments do not incur extra cost if caught up within the 9-month repayment period."
    },
    "eligibility": {
      "provisional_tax_payer": true,
      "paid_through_taxi_12mo": true
    },
    "max_loan_nzd": null,
    "min_loan_nzd": null,
    "security_type": "tax_pool_collateral",
    "capture_method": "live",
    "repayment_freq": null,
    "max_term_months": 9,
    "min_term_months": null,
    "rate_disclosure": {
      "kind": "per_quote",
      "text": "Taxi does not publish a headline rate. Pricing depends on amount drawn against your tax pool, repayment plan, and overall security. The tax-pool collateral model means pricing is set by Taxi's funding economics, not traditional credit-risk pricing.",
      "source_url": "https://gotaxi.co.nz/",
      "pricing_model": "tax_pool_secured"
    },
    "security_holder": "Public Trust (NZ government-owned) at IRD",
    "distinction_note": "UNIQUE PRODUCT — neither traditional secured nor unsecured business lending. Provisional-tax-pool collateral. Best for businesses that already pay provisional tax + want short-term cash flow against money they've already paid IRD.",
    "origination_model": "tax_pooling_intermediary",
    "min_trading_months": null,
    "skip_payments_allowed": true,
    "min_monthly_revenue_nzd": null,
    "funding_speed_advertised": "Funds released the next working day",
    "advance_ratio_of_paid_provisional_tax": 0.9
  },
  "endpoints": {
    "summary": "/api/business-lending/product/go-taxi/taxi-funding/summary.md",
    "wording": "/api/business-lending/product/go-taxi/taxi-funding/wording.md",
    "history": "/api/business-lending/product/go-taxi/taxi-funding/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/business-lending/product/go-taxi/taxi-funding/facts.json",
  "generated_at": "2026-05-18T08:38:03.946Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}