{
  "vertical": "business-lending",
  "insurer": {
    "slug": "spinach",
    "name": "Spinach",
    "brand_family": "Spinach"
  },
  "product": {
    "slug": "broker-service",
    "name": "Business Loan Broker Service",
    "status": "active",
    "positioning_summary": "Spinach is a NZ commercial-finance broker — they don't lend their own capital; they route applications to a panel of commercial lenders. Quick + simple online application; same-day approval often achievable. Loan range + pricing + term + security model all depend on which panel lender ultimately funds the application."
  },
  "wording": {
    "version": "html-capture-2026-05-18",
    "ingested_at": "2026-05-18T07:06:19.181174+00:00",
    "pdf_hash": "2fdfaaaaeecc14c43ff4c01b34b78de06a69f9a1ee6b873e420a4a97a7756c4a",
    "source_url": "https://www.spinach.co.nz/",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "fees": {
      "note": "Brokers may collect a brokerage fee from the lender, the borrower, or both. Confirm Spinach's disclosure at application stage."
    },
    "max_loan_nzd": null,
    "min_loan_nzd": null,
    "security_type": "varies_by_panel_lender",
    "capture_method": "live",
    "repayment_freq": null,
    "max_term_months": null,
    "min_term_months": null,
    "rate_disclosure": {
      "kind": "per_quote",
      "text": "Spinach is a broker — they don't quote their own rates. Pricing depends on which panel lender ultimately funds the application. Strong-credit borrowers attract better-pricing panel lenders.",
      "source_url": "https://www.spinach.co.nz/",
      "pricing_model": "broker_routed"
    },
    "distinction_note": "BROKER — not a direct lender. Quotes come from panel lenders, not Spinach.",
    "origination_model": "broker",
    "min_trading_months": null,
    "min_monthly_revenue_nzd": null,
    "funding_speed_advertised": "Online application; same-day approval often achievable; funding speed depends on the panel lender that matches"
  },
  "endpoints": {
    "summary": "/api/business-lending/product/spinach/broker-service/summary.md",
    "wording": "/api/business-lending/product/spinach/broker-service/wording.md",
    "history": "/api/business-lending/product/spinach/broker-service/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/business-lending/product/spinach/broker-service/facts.json",
  "generated_at": "2026-05-18T08:38:03.937Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}