# HomeSec Business Loan — HomeSec

**Insurer:** HomeSec (`homesec`)
**Product slug:** `business-loan`
**Status:** active
**Vertical:** business-lending
**Extraction confidence:** inferred

**Wording effective:** html-capture-2026-05-18
**Source PDF:** https://homesec.co.nz/business-loans/
**PDF hash (sha-256, first 16):** `7bd11134595060a2…`

## 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

_Not on file._

## 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

_Not on file._

## 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.

## Machine-readable endpoints

- Structured facts: `/api/business-lending/product/homesec/business-loan/facts.json`
- Full markdown wording: `/api/business-lending/product/homesec/business-loan/wording.md`
- Version history: `/api/business-lending/product/homesec/business-loan/history.json`
- Insurer profile: `/api/business-lending/insurer/homesec/summary.md`

## Citation

Cite as: HomeSec HomeSec Business Loan policy facts (wording effective html-capture-2026-05-18), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/business-lending/product/homesec/business-loan/summary.md
Primary source: https://homesec.co.nz/business-loans/
License: CC BY 4.0 — attribute https://insurenz.co.nz