I'm looking now at purchasing an existing business but am curious as to forumites knowledge of commercial finance in NZ. Is there a program of guaranteed loans like the SBA has here in the US? What ratios are used for commercial finance? How is credit scored? If we have several strong highly profitable businesses here in the US that run themselves mostly with a solid income stream, we have strong credit here, will that work for us in NZ or will be starting out creditwise from scratch? For the business we are looking at we could come up with about 25% for business and real estate but not sure if that is enough. Can anyone recommend a good bank for the Nelson Tasman region?