Business & invoice finance NZ | Runway Intelligent Capital

What we do

Funding built around your business.

Most funding needs are working capital — cash tied up between doing the work and being paid for it, or held in the stock you trade on. Runway funds that two ways: invoice finance where the cash sits in unpaid invoices, and a revolving credit facility where it sits in stock or the trading cycle. Where the need is a plan rather than a cycle — equipment, an acquisition, a succession — that is term funding. We start with the need, match the facilities to it, and adjust them as your business changes.

Invoice finance

Working capital drawn from revenue you have already earned — unlock ~70–85% of your receivables as immediate cash, in a facility that grows alongside your revenue.

Ideal forgrowthcash-flow gapslong payment terms

Revolving credit facility

Working capital where the cash is tied up in stock or the trading cycle — an agreed limit you draw on and repay as you need it, for stock, seasonality and delivering on the contracts you've won.

Ideal forseasonalitystock & supply chaincontract wins

Business & growth loans

Term funding for a plan rather than a trading cycle — new equipment, expansion, an acquisition or a succession — structured around the plan behind it.

Ideal forcapexacquisitionssuccession & buyouts

Tailored funding solutions

We combine products to fit complex situations — funding shaped around the full picture.

Ideal forgroup structureshigh growthtransitions

Why Runway

Where good data meets good judgement.

Efficient, considered funding decisions — by people who read the whole business, not just the balance sheet. Here’s what that means when you deal with us.

Decisive

One person owns your file from first call to answer, and tells you where it stands.

Pragmatic credit

We read cash flow, customers and trading history — and back good businesses that don't fit the banks' standard mould.

Intelligent structures

Funding shaped to how the business actually operates: cash flow, customers, assets and timing.

Clear feedback

We move quickly, keep you in the loop, and tell you where you stand — either way.

Who we back

The businesses that build New Zealand.

Freight fleets, warehouses, factories and the firms that supply and staff them — the working-capital-hungry businesses that keep New Zealand moving. That's who Runway is built for.

Built for real-world business

We know how your sector works.

Every sector runs on different rhythms of cash, stock and timing. We lend against how your business actually works.

Container yard logistics — Transport & logistics

Recruitment team — Recruitment & staffing

Warehouse racking — Wholesale & distribution

Welding detail in a fabrication workshop — Manufacturing

Dental practice — Healthcare & allied health

Consultant at a laptop in a home office — Professional services

Early childhood classroom — Early education

Sorting mussels at a seafood processor — Food & primary processing

Can’t see your business here? We consider funding for SMEs across the New Zealand economy, and give prompt, clear feedback either way, including when something is outside what we can fund.

Intelligent capital

Capital with intelligence built in — reading the numbers others miss, and backing the businesses behind them.

Our story

Backing New Zealand business since 1889.

Runway is a New Zealand non-bank lender built by an experienced team from institutional banking, capital markets, law and technology — founded to close the funding gap for growth-ready Kiwi businesses.

In 2026 Runway acquired Lock Finance — one of New Zealand's longest-standing specialists in invoice and receivables finance, with a lineage back to 1889 and more than 135 years helping businesses fund their next move.

Same team, same relationships, same discipline — now with Runway's capital, governance and leadership behind them. Evolution, not revolution.

Visit Lock Finance →

135+

Years of lending, since 1889

Lock Finance joins Runway — proven receivables expertise, meet fresh capital, governance and leadership.

1889

Established

2026

Joins Runway

Day 1

Business as usual

Our people