Business lending software that gives your team structure
Behind every application is a story. Flolend organises the work around each deal, so your team has time to understand the business and give a clear answer.
Small businesses. A big part of New Zealand.
For a business lender, that means a world of different owners, ambitions and trading patterns. Your value starts with understanding the business in front of you.
Source: New Zealand Government, Government backs AI support for small business, 11 June 2026.
Every business is different
A busy workshop
A machine needs replacing. The owner wants to keep work moving. Your team needs to understand the purchase, existing commitments and how the repayments fit.
A seasonal supplier
Stock needs to arrive before the busiest months. The question is how the timing of sales and cash coming in supports the borrowing.
A growing operator
A new contract brings an opportunity, and costs before the first payment arrives. Your team needs to understand what changes if the plan takes longer.
Make room for the questions that matter
The application starts the conversation. Your people team brings the judgement. Give them a clear record of what is known, what needs explaining and why the proposed deal fits your lending criteria.
Flolend keeps company and party information, checks and assessment work together. A compatible AI agent can help assess the application and prepare follow-up questions for your team to review.
Explore AI-assisted assessmentNeeded before the letter of offer (3)
- Block
What will the funding change?
Equipment finance Still need: Purpose, Asset details - Warn
What already needs to be paid?
Company borrower Still need: Existing commitments - Warn
What happens if trading slows?
Seasonal trading Fill in the fields to pass
The borrower calls. Can your team pick up the conversation?
The colleague who knows the account is away. The borrower wants to discuss a change. A useful conversation starts with knowing what was agreed and what has happened since.
Flolend connects origination and servicing, helping your team respond with the history in view.
Explore loan servicingWhat we agreed
The purpose, terms and reasoning behind the loan.
What has happened
Payments, correspondence and previous discussions.
What needs attention
The current request and a loan variation.
Build a team that lends with your experience
As your business grows, your way of lending should be easier to share. New staff need a clear starting point and experiences should compound into a better process.
Turn your lending approach into a repeatable workflow, with space for questions, judgement and review. Spend more of your team’s time understanding customers and building relationships that can last beyond one loan.
See configurable origination workflowsBring us a lending day like yours
Tell us who you lend to, what a typical application looks like and where your team loses time. We’ll walk through how Flolend could support your business, from the first enquiry to the next borrower conversation.
Book a business lending demo