Rating based on 80 reviews

INNO Capital

  • Business loans up to $50,000
  • Low-interest starting from 10.21%
  • Repayment up to 5 years

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INNO Capital homepage
Author INNO Capital. Screenshot of INNO Capital website.
[Accessed March 7, 2023]

About INNO Capital

INNO Capital was launched in 2015. Although, the service is fairly new but standing behind INNO Capital are brothers John and Michael Chow and Clint Webber of Webber Capital.

John and Michael Chow own a large and growing property portfolio in New Zealand and Webber Capital is an experienced and established finance house. It was launched to combine the funds, experience and international funding relationships of John and Michael Chow and Webber Capital. Together, we plan to develop INNO Capital into a leading private funder in New Zealand.

We fund start-up and mid-stream commercial ventures

INNO Capital will look to provide business loans to start-up and mid-stream commercial ventures where we see the developer as having the skills and passion for completing the project on budget, and on time, or get distressed ventures back on track. We can tailor funding lines from $1M to $50M, if any project is too big even for us, we have partnerships with international funders who can undertake joint-venture financing with us.

INNO Capital Services

What do we do? That’s easy – we lend money.

But let’s be clear, we are not a bank. INNO’s focus only on clients that were not able to obtain bank finance. Banks may be happy to lend to completed property developments but even getting first mortgage loans on new or partially completed developments can be difficult.

Over 60 years of combined experience

We might be a new player in the New Zealand business loan market but we have over 60 years of combined experience in the financial services industry in New Zealand and offshore.

Preferential terms of the loan

  • First mortgage funding of up to 75% of valuation to purchase
  • residential/land/commercial buildings/development lending;
  • Up to 18 months;
  • Interest rates starting as low as 8%;
  • Loan fees 2%;
  • Personal guarantees of the principals;
  • General security agreement/secured home loans over the borrowing
  • Entity/landowner;
  • No presales required (subject to location);
  • Maximum loan amount of $8.0 million per borrower; and
  • Subject to formal board approval.

INNO Capital – Business loan

  • Loan Type Business loans
  • Interest Rate 10.2129.85% p/a
  • Loan Amount up to $50,000
  • Repayment 1 year to 5 years

Benefits of INNO Capital

  • Affordable loans
  • Simple online application
  • No surprise costs

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Get a business loan from INNO to finance your start-up quickly

If you are looking for a professional business loans provider that is reputable and dependable, you can rely on INNO to get the financing that you need.

Since its establishment, they have financed numerous ventures and the sheer experience they have makes it clear why they are the first choice for businesses looking for financing.

How to apply for a loan

The only way to apply for a loan at INNO is by contacting them – there is no template loan application. INNO takes a more personalized approach since they believe that no business is the same, so how can the lending process be the same every time?

You can contact INNO by calling them or by completing the online inquiry form that can be found on their website. 

Customer Reviews & Testimonials

Innovative business loan option, good service. Really good!

Sarah C
— Auckland —

My interest rate is so low it is almost free! What more can a business owner want!

Martin C
— Gisborne —

Low rates, affordable fees and a repayment structure tailored to my business needs. Great product and service.

Margot A
— Whakatane —

INNO Capital Contact

Physical Address

  • Ground Floor, Shed 19, Princes Wharf, 137 Quay Street Auckland Auckland Region 1010 New Zealand
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed