{"id":22580,"date":"2020-08-12T00:00:00","date_gmt":"2020-08-11T14:00:00","guid":{"rendered":"https:\/\/employmenthero.com\/nz\/blog\/4-tips-when-applying-for-a-business-loan\/"},"modified":"2025-07-02T01:09:10","modified_gmt":"2025-07-02T01:09:10","slug":"4-tips-when-applying-for-a-business-loan","status":"publish","type":"post","link":"https:\/\/employmenthero.com\/nz\/blog\/4-tips-when-applying-for-a-business-loan\/","title":{"rendered":"4 Tips When Applying for a Business Loan"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull blog-template-header has-neutral-100-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--16)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div style=\"--bb--crumb-gap:.4em;\" class=\"blog-template-breadcrumb wp-block-employmentherocom2025-breadcrumb-block\"><nav 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8.36398864,11.4636626 L9.59594229,9.94923914 C10.0136795,9.43578101 9.94709821,8.67146367 9.44693666,8.24224316 C8.94677511,7.81302264 8.20254916,7.8816073 7.78481199,8.39527139\" id=\"Fill-4\" fill=\"#000000\" mask=\"url(#mask-4)\"><\/path> <\/g> <\/g> <\/g> <\/g> <\/svg> \n    <\/span>\n            <span class=\"eh-social-sharing-button__copied_text\">\n            URL copied for sharing!        <\/span>\n    <\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-5 wp-block-group-is-layout-constrained\"><h1 class=\"blog-template-title wp-block-post-title\">4 Tips When Applying for a Business Loan<\/h1><\/div>\n\n\n\n<p class=\"blog-template-sub-title\" style=\"padding-top:var(--wp--preset--spacing--9);padding-bottom:var(--wp--preset--spacing--9);line-height:1.5\">\n    If you&#8217;re thinking about applying for a business loan, there are important things to consider. Here are four tips to improve your chances.\n<\/p>\n\n\n\n<div class=\"wp-block-group blog-template-meta-row is-layout-flex wp-container-core-group-is-layout-8 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-query wp-block-hosts-query has-global-padding is-content-justification-left is-layout-constrained wp-container-core-query-is-layout-1 wp-block-query-is-layout-constrained\"><ul data-wp-interactive=\"eh-hosts\" class=\"wp-block-post-template is-layout-flow wp-container-core-post-template-is-layout-1 wp-block-post-template-is-layout-flow\"><li data-host-index=\"0\" data-wp-on--click=\"actions.openDetail\" class=\"wp-block-post post-40334 hosts type-hosts status-publish has-post-thumbnail hentry\">\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7 wp-block-group-is-layout-flex\"><figure style=\"width:52px;height:52px;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-120x120.png\" class=\"attachment-host_thumbnail size-host_thumbnail wp-post-image\" alt=\"\" style=\"border-radius:60px;height:52px;object-fit:cover;\" srcset=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-120x120.png 120w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-150x150.png 150w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-54x54.png 54w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-108x108.png 108w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-200x200.png 200w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-216x216.png 216w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-112x112.png 112w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-224x224.png 224w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon-142x142.png 142w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2021\/07\/EH_Favicon.png 239w\" sizes=\"auto, (max-width: 120px) 100vw, 120px\" \/><\/figure>\n\n\n<div class=\"wp-block-group has-sm-font-size is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-6 wp-block-group-is-layout-flex\"><h6 style=\"line-height:1.3; border-right-width:1px;border-right-color:var(--wp--preset--color--black); padding-right:var(--wp--preset--spacing--2);\" class=\"has-text-align-center has-link-color wp-elements-1e20e747939e3458765ab321928f59b7 wp-block-post-title has-text-color has-violet-500-color has-sm-font-size\">The Team<\/h6><\/div>\n<\/div>\n\n<\/li><\/ul><\/div>\n\n\n\n<p class=\"has-text-align-center has-sm-font-size\" style=\"border-left-style:none;border-left-width:0px;padding-left:0\">Published<\/p>\n\n\n<div class=\"wp-block-post-date has-sm-font-size\"><time datetime=\"2020-08-12T00:00:00+00:00\">Aug 12, 2020<\/time><\/div>\n\n\n<p class=\"has-text-align-center has-sm-font-size\" style=\"border-left-color:var(--wp--preset--color--neutral-700);border-left-width:1px;padding-left:var(--wp--preset--spacing--2)\">Updated<\/p>\n\n\n<div class=\"wp-block-post-date__modified-date wp-block-post-date has-sm-font-size\"><time datetime=\"2025-07-02T01:09:10+00:00\">Jul 2, 2025<\/time><\/div>\n\n\n<p class=\"has-sm-font-size\" style=\"border-left-color:var(--wp--preset--color--neutral-700);border-left-width:1px;padding-left:var(--wp--preset--spacing--2)\">13 mins read<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull blog-image-container has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image aligncenter size-large is-resized blog-template-image\"><img decoding=\"async\" src=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/4\/2022\/10\/EmploymentHero_28-05-202123007-90.jpg\" alt=\"Image\" style=\"object-fit:cover;width:864px;height:561px\"\/><\/figure>\n<\/div>\n\n\n\n<div style=\"height:66px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-group sticky-side-panel is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-12 wp-block-group-is-layout-flex wp-container-2 is-position-sticky\">\n<p class=\"has-lg-font-size\" style=\"border-bottom-color:var(--wp--preset--color--neutral-200);border-bottom-width:0.1rem;padding-top:var(--wp--preset--spacing--4);padding-bottom:var(--wp--preset--spacing--4)\"><strong>Contents<\/strong><\/p>\n\n\n\n<div class=\"content-single-table-content\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\" id=\"content-wrapper\">\n<div class=\"wp-block-group content_single content_single--blog content-single-content-wysiwyg wysiwyg content-wrapper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--4)\">\nAs a small business owner, no doubt you&#8217;ve heard the old adage &#8220;you&#8217;ve got to spend money to make money&#8221;. Of course, it&#8217;s not always necessary to splash the cash, but <a href=\"https:\/\/employmenthero.com\/nz\/blog\/7-ways-to-get-cash-flow-flowing\/\">healthy cash flow<\/a> will (in most cases) get you further, faster.\n\nIf you&#8217;re lucky, you&#8217;ll have an investor by your side or a large savings account. For the majority of small business owners in New Zealand however, securing a business loan is the most practical answer to bank balance blues.\n\nUnfortunately, securing a business loan isn&#8217;t always easy, so preparation is key. Here are our top tips to ensuring your small business is in the best position to seek finance&#8230;and get approval!\n<p class=\"legal\"><em><strong>Disclaimer:<\/strong> This article is general in nature and should not be taken as constituting professional advice. 91±¬ΑΟ recommends that you speak with a financial specialist for individual circumstances.<\/em><\/p>\n<h2 id=\"1-determine-what-type-of-business-loan-you-need\">1. Determine what type of business loan you need<\/h2>\nA &#8220;business loan&#8221; is a general term covering a wide range of loan products suited to different commercial objectives. You may need a simple cash injection, but chances are you probably need something more specific, like an asset or equipment loan, <a href=\"https:\/\/employmenthero.com\/nz\/blog\/cash-flow-forecast\/\">cash flow finance<\/a> or a line of credit.\n\nTo work out what type of business loan you need, start by asking yourself the following questions;\n<ul>\n<li>What will you spend the funds on?<\/li>\n<li>How much do you want to borrow?<\/li>\n<li>What&#8217;s your repayment capacity?<\/li>\n<li>How will a loan help you grow your business?<\/li>\n<\/ul>\nNext, have a <a href=\"https:\/\/employmenthero.com\/nz\/blog\/when-should-you-hire-an-accountant\/\">chat with your accountant<\/a>. Outside of doing your tax, your accountant&#8217;s role is to support you in growing your business with tangible solutions to the challenges you face.\n\nThey can help you work out what loan type is most suited to your objectives and ensure your financial records are ready to be scrutinised by a potential lender.\n\nPrefer to do your own research? Start by calling your bank, and do some online research into fintech lenders such as Moula, OnDeck or <a href=\"https:\/\/www.prospa.com\/\" rel=\"noopener noreferrer\" target=\"_blank\">Prospa<\/a>. There are hundreds of business loan products out there, offered by a multitude of lenders from the Big 4 banks to smaller lenders you&#8217;ve probably never heard of.\n\nEach lender has its own merits and lending criteria to determine who they&#8217;re prepared to lend to and why. In short, you&#8217;ve got options!\n<h2 id=\"2-consider-engaging-a-finance-broker\">2. Consider engaging a finance broker<\/h2>\nAttempting to wade through all of this information on your own can be daunting, particularly when you start looking at different interest rates, loan terms and repayment structures.\n\nIf you&#8217;ve got better things to do, like running your small business, you may prefer to engage a finance broker (or mortgage broker). A finance broker will be your best advocate in finding the right loan. They have access to a wide range of lenders, so can offer you more options and choices than a bank can.\n\nThey know the ins and outs of the industry which enables them to position your business in the best light and negotiate on your behalf &#8211; this is particularly useful if you have cash flow issues or poor credit history.\n\nYour broker will walk you through the entire process, usually at no cost to you (they&#8217;re paid by the lender you choose).\n\nThey&#8217;ll even take care of the paperwork, reaching out to your accountant for relevant financial documents.\n<h2 id=\"3-understand-how-a-lender-will-view-your-application\">3. Understand how a lender will view your application<\/h2>\nThe level of risk a lender is prepared to accept varies widely, but they will all evaluate your loan application on five fundamental criteria called the &#8220;Five C&#8217;s of Credit&#8221;. Now, remember when we enlisted the help of your broker? This is where they will really shine.\n\nThey&#8217;ll help build a positive story for the lender, using these criteria to play to your business&#8217;s strengths.\n<ul>\n<li><strong>Capacity: Your ability to repay the business loan<\/strong> From a lender&#8217;s point of view, this one is probably the most important. You&#8217;ll need to show you can comfortably afford (or &#8220;service&#8221;) the loan repayments by outlining your income, the reliability of this income, your assets, liabilities and any ongoing expenses. The catch here is that this doesn&#8217;t only refer to your business finances but the personal finances of all and any business directors. Do you have a good credit score? Ask your broker, or use a free service like <a href=\"https:\/\/www.getmycreditscore.com.au\" rel=\"noopener noreferrer\" target=\"_blank\">www.getmycreditscore.com.au<\/a>. If you&#8217;re unhappy with what you find, talk to your broker about ways to improve your score such as repaying bills on time and limiting the number of credit enquiries you make.<\/li>\n<li><strong>Collateral: The forms of security you can provide to a lender<\/strong> If you&#8217;re asset-backed you&#8217;ll find more loan options will be available to you. Think about any equipment, vehicles or buildings owned by your business or assets you own personally, such as your home, that you can offer a lender as collateral. Alternative forms of collateral might include a loan guarantee; that is, someone who will repay your loan if you&#8217;re unable to.<\/li>\n<li><strong>Capital: The owner&#8217;s investment in the business<\/strong> Recognising the capital invested in your business can give a lender confidence that you&#8217;re not only committed to the longevity of your business but shows you have assets that can be sold if you&#8217;re struggling to repay a loan. You&#8217;ll need to have up-to-date and accurate financial statements at the ready, including your balance sheet and profit and loss statement. Ask your accountant or <a href=\"https:\/\/employmenthero.com\/nz\/blog\/what-is-bookkeeping\/\">bookkeeper<\/a>, and consider using accounting software like Xero or MYOB to make this easier.<\/li>\n<li><strong>Conditions: <\/strong><strong>The terms on which you want to borrow<\/strong> Loan terms are those things you can negotiate such as the loan amount, loan duration, interest rates and types (i.e. fixed or variable) repayment set up (i.e. principal and interest, or interest only) and flexibility to repay your loan early or redraw funds. The conditions you choose may persuade a lender to view your application more favourably. For instance, you may be happy to make repayments more frequently or pay a higher interest rate.<\/li>\n<li><strong>Character: <\/strong><strong>The stability and financial behaviour of your business (and yourself)<\/strong> This one can be very subjective. It asks whether or not yours is the type of business a lender wants to work with. Anything from general economic conditions and the stability of your industry through to your performance forecasts can and will be taken into account. Again, lenders will also look at your personal character. Essentially, a lender wants to ensure you are trustworthy and not only able but willing to repay your loan on time.<\/li>\n<\/ul>\n<h2 id=\"4-get-organised-with-the-right-documentation\">4. Get organised with the right documentation<\/h2>\nWhen applying for a business loan, you&#8217;ll need to provide some key documentation for yourself and your business.\n\nThere is a range of documents your lender may ask to see, but these are the most common.\n<ul>\n<li><strong>Proof of Identity<\/strong> All business directors will need to provide verified proof of their identity, usually entailing a driver&#8217;s Licence and Medicare card. Your broker can usually verify your ID, or you can have this done by a JP, pharmacist or at your local Australia Post.<\/li>\n<li><strong>Proof of Business Registration<\/strong> Have your ABN and\/or ACN ready. You should also note if your business is GST registered.<\/li>\n<li><strong>Proof of Income, Assets &amp; Liabilities<\/strong> You&#8217;ll need accurate and up-to-date business financials including your balance sheet, profit and loss statement and tax returns. You&#8217;ll also need documentation to show personal income (e.g. payslips or tax returns), assets (e.g. rates notice) and liabilities (e.g. loan statement). Keep in mind most lenders will ask to see two years of financial history.<\/li>\n<li><strong>Business &amp; Personal Bank Statements<\/strong> Your chosen lender can ask to see current bank statements for all of your business and personal accounts. They&#8217;ll use these to verify your income, outgoing expenses and understand your general financial conduct.<\/li>\n<\/ul>\n<h2 id=\"the-bottom-line\">The Bottom Line<\/h2>\nApplying for a business loan can be a smart solution to the challenges you face as a small business owner. Financial support from a reputable Aussie lender can help you maintain what you&#8217;ve worked so hard to achieve, reduce personal risk and better yet, take your business to the next level.\n\nThe key to successful borrowing is all in preparation. Do your research, enlist the right support and get your finances in order. A little extra work at the front end makes applying for a business loan as stress-free as possible, so you can concentrate on what you do best.\n<p class=\"legal\"><em><strong>Disclaimer:<\/strong> This article is general in nature and should not be taken as constituting professional advice. 91±¬ΑΟ recommends that you speak with a financial specialist for individual circumstances.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\" data-trigger-modal=\"request-a-demo-modal\"><a class=\"wp-block-button__link wp-element-button\">Learn more<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-14 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--10)\">\n<h3 class=\"wp-block-heading\">Related Resources<\/h3>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link-arrow is-style-link-arrow--3\"><a class=\"wp-block-button__link has-btn-brand-background-color has-background wp-element-button\" href=\"\/resources\/?topic%5B0%5D%5B0%5D=Product\">View all<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-query blog-3-col-query-loop is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"columns-3 alignfull wp-block-post-template is-layout-grid wp-container-core-post-template-is-layout-2 wp-block-post-template-is-layout-grid\"><li class=\"wp-block-post post-57112 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized resource-type-blog\">\n\n<div class=\"wp-block-group has-border-color has-neutral-100-border-color has-white-background-color has-background is-vertical is-layout-flex wp-container-core-group-is-layout-17 wp-block-group-is-layout-flex\" style=\"border-width:1px;min-height:100%\"><figure style=\"aspect-ratio:16\/9;width:100%;height:100%; padding-bottom:0;padding-top:0;margin-bottom:0;\" class=\"wp-block-post-featured-image\"><a href=\"https:\/\/employmenthero.com\/nz\/blog\/onboarding-speed\/\" target=\"_self\"  style=\"height:100%\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/People-working-in-a-well-lit-office-on-their-computers.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Time to productivity: Why onboarding speed matters\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/People-working-in-a-well-lit-office-on-their-computers.webp 1600w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/People-working-in-a-well-lit-office-on-their-computers-300x169.webp 300w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/People-working-in-a-well-lit-office-on-their-computers-1024x576.webp 1024w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/People-working-in-a-well-lit-office-on-their-computers-768x432.webp 768w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/People-working-in-a-well-lit-office-on-their-computers-1536x864.webp 1536w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/People-working-in-a-well-lit-office-on-their-computers-440x248.webp 440w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/a><\/figure>\n\n\n<div class=\"wp-block-group blog-3-col-details wp-container-content-3 is-vertical is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-16 wp-block-group-is-layout-flex\" style=\"margin-top:0;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-15 wp-block-group-is-layout-flex\"><div style=\"font-style:normal;font-weight:600\" class=\"taxonomy-resource-type eh-resource-type wp-block-post-terms\"><a href=\"https:\/\/employmenthero.com\/nz\/resources\/blog\/\" rel=\"tag\">Blogs<\/a><\/div>\n\n<h3 class=\"wp-block-post-title\"><a href=\"https:\/\/employmenthero.com\/nz\/blog\/onboarding-speed\/\" target=\"_self\" >Time to productivity: Why onboarding speed matters<\/a><\/h3>\n\n<div class=\"wp-block-post-excerpt has-text-color has-contrast-2-color has-small-font-size wp-container-content-2\"><p class=\"wp-block-post-excerpt__excerpt\">Do you know what a slow onboarding process is costing you? Discover how faster onboarding boosts productivity and drives better&hellip; <\/p><\/div><\/div>\n\n\n<a style=\"font-style:normal;font-weight:600;\" class=\"wp-elements-9dfcbcb7662772ecb2d671e8976a6c51 wp-block-read-more has-text-color has-violet-500-color\" href=\"https:\/\/employmenthero.com\/nz\/blog\/onboarding-speed\/\" target=\"_self\">Read more<span class=\"screen-reader-text\">: Time to productivity: Why onboarding speed matters<\/span><\/a><\/div>\n<\/div>\n<a href=\"https:\/\/employmenthero.com\/nz\/blog\/onboarding-speed\/\" target=\"_self\" class=\"group-block-link\"><\/a>\n<\/li><li class=\"wp-block-post post-57023 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized resource-type-blog\">\n\n<div class=\"wp-block-group has-border-color has-neutral-100-border-color has-white-background-color has-background is-vertical is-layout-flex wp-container-core-group-is-layout-20 wp-block-group-is-layout-flex\" style=\"border-width:1px;min-height:100%\"><figure style=\"aspect-ratio:16\/9;width:100%;height:100%; padding-bottom:0;padding-top:0;margin-bottom:0;\" class=\"wp-block-post-featured-image\"><a href=\"https:\/\/employmenthero.com\/nz\/blog\/ai-to-match-candidates-with-job-descriptions\/\" target=\"_self\"  style=\"height:100%\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-job-descriptions-thumbnaik-1024x576-1.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"How to use AI to match candidates with job descriptions\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-job-descriptions-thumbnaik-1024x576-1.webp 1024w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-job-descriptions-thumbnaik-1024x576-1-300x169.webp 300w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-job-descriptions-thumbnaik-1024x576-1-768x432.webp 768w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-job-descriptions-thumbnaik-1024x576-1-440x248.webp 440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n<div class=\"wp-block-group blog-3-col-details wp-container-content-6 is-vertical is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-19 wp-block-group-is-layout-flex\" style=\"margin-top:0;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-18 wp-block-group-is-layout-flex\"><div style=\"font-style:normal;font-weight:600\" class=\"taxonomy-resource-type eh-resource-type wp-block-post-terms\"><a href=\"https:\/\/employmenthero.com\/nz\/resources\/blog\/\" rel=\"tag\">Blogs<\/a><\/div>\n\n<h3 class=\"wp-block-post-title\"><a href=\"https:\/\/employmenthero.com\/nz\/blog\/ai-to-match-candidates-with-job-descriptions\/\" target=\"_self\" >How to use AI to match candidates with job descriptions<\/a><\/h3>\n\n<div class=\"wp-block-post-excerpt has-text-color has-contrast-2-color has-small-font-size wp-container-content-5\"><p class=\"wp-block-post-excerpt__excerpt\">AI resume matching aligns candidate skills with role requirements automatically, saving hiring teams hours. Here&#8217;s how it works and how&hellip; <\/p><\/div><\/div>\n\n\n<a style=\"font-style:normal;font-weight:600;\" class=\"wp-elements-9dfcbcb7662772ecb2d671e8976a6c51 wp-block-read-more has-text-color has-violet-500-color\" href=\"https:\/\/employmenthero.com\/nz\/blog\/ai-to-match-candidates-with-job-descriptions\/\" target=\"_self\">Read more<span class=\"screen-reader-text\">: How to use AI to match candidates with job descriptions<\/span><\/a><\/div>\n<\/div>\n<a href=\"https:\/\/employmenthero.com\/nz\/blog\/ai-to-match-candidates-with-job-descriptions\/\" target=\"_self\" class=\"group-block-link\"><\/a>\n<\/li><li class=\"wp-block-post post-56985 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized resource-type-blog\">\n\n<div class=\"wp-block-group has-border-color has-neutral-100-border-color has-white-background-color has-background is-vertical is-layout-flex wp-container-core-group-is-layout-23 wp-block-group-is-layout-flex\" style=\"border-width:1px;min-height:100%\"><figure style=\"aspect-ratio:16\/9;width:100%;height:100%; padding-bottom:0;padding-top:0;margin-bottom:0;\" class=\"wp-block-post-featured-image\"><a href=\"https:\/\/employmenthero.com\/nz\/blog\/ai-performance-review\/\" target=\"_self\"  style=\"height:100%\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-performance-review-thumbnail.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"AI performance reviews: How to use AI to give better feedback\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-performance-review-thumbnail.webp 1600w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-performance-review-thumbnail-300x169.webp 300w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-performance-review-thumbnail-1024x576.webp 1024w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-performance-review-thumbnail-768x432.webp 768w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-performance-review-thumbnail-1536x864.webp 1536w, https:\/\/employmenthero.com\/nz\/wp-content\/uploads\/sites\/5\/2026\/05\/AI-performance-review-thumbnail-440x248.webp 440w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/a><\/figure>\n\n\n<div class=\"wp-block-group blog-3-col-details wp-container-content-9 is-vertical is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-22 wp-block-group-is-layout-flex\" style=\"margin-top:0;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-21 wp-block-group-is-layout-flex\"><div style=\"font-style:normal;font-weight:600\" class=\"taxonomy-resource-type eh-resource-type wp-block-post-terms\"><a href=\"https:\/\/employmenthero.com\/nz\/resources\/blog\/\" rel=\"tag\">Blogs<\/a><\/div>\n\n<h3 class=\"wp-block-post-title\"><a href=\"https:\/\/employmenthero.com\/nz\/blog\/ai-performance-review\/\" target=\"_self\" >AI performance reviews: How to use AI to give better feedback<\/a><\/h3>\n\n<div class=\"wp-block-post-excerpt has-text-color has-contrast-2-color has-small-font-size wp-container-content-8\"><p class=\"wp-block-post-excerpt__excerpt\">Contents Performance reviews take more out of managers than most businesses realise. Pulling together months of notes, writing fair and&hellip; <\/p><\/div><\/div>\n\n\n<a style=\"font-style:normal;font-weight:600;\" class=\"wp-elements-9dfcbcb7662772ecb2d671e8976a6c51 wp-block-read-more has-text-color has-violet-500-color\" href=\"https:\/\/employmenthero.com\/nz\/blog\/ai-performance-review\/\" target=\"_self\">Read more<span class=\"screen-reader-text\">: AI performance reviews: How to use AI to give better feedback<\/span><\/a><\/div>\n<\/div>\n<a href=\"https:\/\/employmenthero.com\/nz\/blog\/ai-performance-review\/\" target=\"_self\" class=\"group-block-link\"><\/a>\n<\/li><\/ul><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Read our easy-to-follow guide to ensure your next business loan application is approved!<\/p>\n","protected":false},"author":30,"featured_media":41223,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lite_auth_enabled":false,"_lite_auth_trigger_method":"scroll","_lite_auth_scroll_percent":25,"_lite_auth_click_element_query":"","exclude_from_algolia":false,"reading_time":"6 min read","display_reading_time":false,"download_content_type":"","download_file":"","download_url":"","download_cta_label":"","footnotes":""},"categories":[1],"tags":[],"resource-type":[150],"topic":[87,90],"industry":[61],"audience":[],"business-size":[],"product-tag":[],"funnel-stage":[],"region":[],"pain-point":[],"persona":[],"post_features":[],"class_list":["post-22580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","resource-type-blog","topic-business-basics","topic-leadership-and-management","industry-agriculture"],"_links":{"self":[{"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/posts\/22580","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/comments?post=22580"}],"version-history":[{"count":1,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/posts\/22580\/revisions"}],"predecessor-version":[{"id":45803,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/posts\/22580\/revisions\/45803"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/media\/41223"}],"wp:attachment":[{"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/media?parent=22580"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/categories?post=22580"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/tags?post=22580"},{"taxonomy":"resource-type","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/resource-type?post=22580"},{"taxonomy":"topic","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/topic?post=22580"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/industry?post=22580"},{"taxonomy":"audience","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/audience?post=22580"},{"taxonomy":"business-size","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/business-size?post=22580"},{"taxonomy":"product-tag","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/product-tag?post=22580"},{"taxonomy":"funnel-stage","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/funnel-stage?post=22580"},{"taxonomy":"region","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/region?post=22580"},{"taxonomy":"pain-point","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/pain-point?post=22580"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/persona?post=22580"},{"taxonomy":"post_features","embeddable":true,"href":"https:\/\/employmenthero.com\/nz\/wp-json\/wp\/v2\/post_features?post=22580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}