{
  "vertical": "business-lending",
  "insurer": {
    "slug": "homesec",
    "name": "HomeSec",
    "brand_family": "HomeSec"
  },
  "product": {
    "slug": "business-loan",
    "name": "HomeSec Business Loan",
    "status": "active",
    "positioning_summary": "HomeSec's flagship product: $20K-$500K business loan secured against real-estate equity (1st or 2nd mortgage / caveat). 12-month interest-only OR capitalised (interest accrues, paid with principal at term). Approval in as little as 2 business hours; funding in 24 hours. Lends to startups + base-credit-history businesses where banks decline because security is real-estate equity, not cash flow."
  },
  "wording": {
    "version": "html-capture-2026-05-18",
    "ingested_at": "2026-05-18T00:18:34.212318+00:00",
    "pdf_hash": "7bd11134595060a2d78a2313501ea6f67889cc339417ccd54413a02e023ed716",
    "source_url": "https://homesec.co.nz/business-loans/",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "fees": {
      "assessment_fee": "Small assessment fee payable if offer accepted (covers due diligence) — not publicly itemised",
      "application_fee": "Not advertised",
      "account_keeping_fee": "Not advertised",
      "early_repayment_penalty": "None on capitalised loans"
    },
    "eligibility": {
      "accepts_startups": true,
      "min_trading_months": 0,
      "nzbn_registered_required": true,
      "business_purpose_required": true,
      "accepts_base_credit_history": true,
      "real_estate_equity_required": true
    },
    "capture_note": "Live homesec.co.nz fetched directly (HTTP 200, no JS challenge).",
    "max_loan_nzd": 500000,
    "min_loan_nzd": 20000,
    "security_type": "real_estate_secured",
    "capture_method": "live",
    "max_term_months": 12,
    "min_term_months": null,
    "rate_disclosure": {
      "kind": "per_quote",
      "text": "HomeSec does not publish a headline annual percentage rate. Pricing is per-application based on security type (1st/2nd mortgage/caveat), loan amount, term, and risk profile.",
      "source_url": "https://homesec.co.nz/business-loan-pricing/"
    },
    "security_options": [
      "1st mortgage",
      "2nd mortgage",
      "caveat"
    ],
    "repayment_options": [
      "interest_only_monthly",
      "capitalised_at_term_end"
    ],
    "security_required": true,
    "startups_accepted": true,
    "min_trading_months": 0,
    "base_credit_accepted": true,
    "use_cases_advertised": [
      "Cash flow",
      "Stock purchase",
      "Equipment purchase",
      "Business expansion",
      "Startup funding",
      "Acquisition / restructuring"
    ],
    "min_monthly_revenue_nzd": null,
    "funding_speed_advertised": "Approval in as little as 2 business hours; funding in 24 hours. Real-estate-equity-secured model = decision is equity-driven, not cash-flow-driven."
  },
  "endpoints": {
    "summary": "/api/business-lending/product/homesec/business-loan/summary.md",
    "wording": "/api/business-lending/product/homesec/business-loan/wording.md",
    "history": "/api/business-lending/product/homesec/business-loan/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/business-lending/product/homesec/business-loan/facts.json",
  "generated_at": "2026-05-18T08:38:03.937Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}