Grow Your Business With Us
SME Business Finance
Here at EFCO, we offer innovative, flexible and affordable financing solutions designed to help you take your business to the next level.
Small and medium businesses face a range of challenges, especially in difficult economic times. Identifying and resolving pitfalls associated with growth is crucial to help your business thrive.
Cash flow and financial constraints can significantly limit your business’ ability to grow, whether by stopping you from acquiring the assets you need, preventing you from entering new markets or limiting your inventory.
We understand these challenges and have structured our SME business loans to provide you with the financial boost you need to help your business grow. Talk to our lending specialists about your business plans, and we’ll provide you with customised financing solutions to help your company thrive. You deserve more and better.
Product Coverage
- Bridge cash flow gaps
- Open a new branch or remodel existing space
- Upgrade or purchase business assets
- Maintain inventory and stock levels
- Hire new staff, and much more
Product Features
- Range of terms to suit your business
- Flexible repayments structured to your cash flows
- Strategic partnership for all your growth needs
- Straightforward costs and no hidden fees
Sharia Advisory Firm
We have received Sharia certification as a mark of compliance from Shariyah Review Bureau (SRB), a Bahrain-based Sharia advisory firm licensed by the Central Bank of Bahrain.
SRB is the corporate world’s leading Sharia advisor, with a scholarly presence in over 21 countries across the US, Europe, Africa, GCC and Asia. They offer professional Sharia advisory and audit services to financial institutions including banks, insurance operators, asset management firms and Fintechs.
They oversee and supervise our financial products in a Sharia compliant manner. With their guidance, we have become the first enterprise in New Zealand offering diverse Sharia compliant financial products guided by ethical principles.
LEARN MORESharia Board
Our Sharia Board members, Mufti Muhammad and Mufti Irshad, are highly experienced representatives from the Shariyah Review Bureau in charge of ensuring the Sharia compliance of our financial products.
They work closely with us to ensure that our asset financing, personal loan and debt-based offerings follow Sharia regulations.
Mufti Muhammad Board Member
Shaikh Muhammad has over a decade of experience as a Sharia consultant and academic in international Islamic finance.
Mufti Irshad Board Member
Shaikh Irshad is a member of the Sharia Board of the Standard Chartered Bank of Pakistan and has advised banks and financial institutions worldwide.
Charities We Support
We don’t rely on penalty charges for revenue. We apply late payment charges intended as deterrents in the event that a client defaults on a payment. We do not consider these payments as company income and donate them to our chosen charities, Variety New Zealand and the Umar bin Khattab Learning Academy (UKLA).
Variety New Zealand is dedicated to supporting initiatives to eradicate poverty and transform the lives of disadvantaged Kiwi children. They provide kids access to a happier, healthier childhood and build the foundation for a better future.
The UKLA is dedicated to enabling children’s access to learning. They provide children an environment in which they can develop intellectual potential, grow, and excel.
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