# Business Loan Broker Service — Spinach

**Insurer:** Spinach (`spinach`)
**Product slug:** `broker-service`
**Status:** active
**Vertical:** business-lending
**Extraction confidence:** inferred

**Wording effective:** html-capture-2026-05-18
**Source PDF:** https://www.spinach.co.nz/
**PDF hash (sha-256, first 16):** `2fdfaaaaeecc14c4…`

## 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

_Not on file._

## Min Loan Nzd

_Not on file._

## Security Type

varies_by_panel_lender

## Capture Method

live

## Repayment Freq

_Not on file._

## Max Term Months

_Not on file._

## Min Term Months

_Not on file._

## 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

_Not on file._

## Min Monthly Revenue Nzd

_Not on file._

## Funding Speed Advertised

Online application; same-day approval often achievable; funding speed depends on the panel lender that matches

## Machine-readable endpoints

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

## Citation

Cite as: Spinach Business Loan Broker Service policy facts (wording effective html-capture-2026-05-18), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/business-lending/product/spinach/broker-service/summary.md
Primary source: https://www.spinach.co.nz/
License: CC BY 4.0 — attribute https://insurenz.co.nz