Finance Structured for Solutions
From commercial property lending to asset and equipment finance - commonsense underwriting with indicative terms within 24 to 48 hours and funding in days.
Short-Term & Bridging Finance
3 – 24 MonthsRapid capital deployment options to secure fast auction acquisitions, bridge time-critical transitions, or preserve immediate project contract deposits.
Learn More →Long-Term Non-Bank Finance
upto 20-30 YearsAlternative stabilization loan frameworks crafted for self-employed entities, complex company portfolios, or borrowers resolving credit marks.
Learn More →Asset & Equipment Finance
Vehicles · Plant · MachineryUp to 100% finance for new and used equipment with flexible, cashflow-friendly repayments. No property security required — lending secured against the asset.
Learn More →Lending Parameter Guidelines
Select an asset pathway scenario to evaluate non-bank structuring boundaries instantly.
Bypassing the Committee Bureaucracy
Why established property investors and developers route their critical transactions through our desk.
Common-Sense Security Underwriting
Traditional banks reject viable files due to rigid mathematical criteria. We assess the true localized real estate equity parameters and exit strategies, creating flexible pathways for unique scenarios.
Direct Credit Decision Channels
Your transaction scenario bypasses automated approval algorithms and external credit verification layers. It is reviewed directly by internal stakeholders authorized to issue funding allocations.
Institutional Integration Framework Networks
The Submission Pathway
From initial framework upload to absolute settlement deployment in three structured touchpoints.
Parameter Configuration
Submit your baseline metrics and security parameters through our secure multi-step dashboard configuration engine.
24-Hour Term Sheet
Kundan Singh analyzes your parameters manually, issuing a formal Indicative Letter of Intent outlining complete transaction parameters.
Disbursal Execution
Documents pass through our verified private lending legal tracks, transferring raw capital straight into your transaction account layout lines.
Frequently Asked Questions
Clear structural guidance on private commercial funding parameters.
What interest metrics govern non-bank facilities?
Non-bank facilities reflect localized real estate risk and LVR placement tiers. Because parameters are underwritten manually outside standard computer templates, precise margins are engineered to reflect portfolio strength, transparently outlined within your 24-hour indicative pack.
What specific asset classes are eligible?
Our capital tracks support high-yield office buildings, industrial spaces, manufacturing hubs, retail property parcels, and multi-unit land bank assets across New Zealand markets.
Do you finance vehicles and equipment?
Yes. We provide up to 100% finance for new and used commercial vehicles, plant, and heavy equipment. No property security is required — lending is secured against the asset itself, with flexible repayments that can be seasonally adjusted to suit your business cashflow.
What if I need funding but don't want to use property as security?
Our asset and equipment finance is secured against the vehicle or machinery itself — not your home or investment properties. We fund everything from trucks and diggers to factory equipment and EVs, with up to 100% finance available and cashflow-friendly repayment structures.
Is AML Commercial only for property finance?
No. Alongside our commercial property lending, we now offer dedicated asset and equipment finance for New Zealand businesses. This covers vehicles, heavy machinery, agricultural equipment, and specialist trade tools — with up to 100% funding and no property security required.
Assess Your Financing Scenario
Verify our baseline operational constraints below before deploying your funding request details directly into our queue tracker lanes.
- The parameter transaction sizing tracks between $500,000 and $25,000,000+.
- The request lines are asset-backed by commercial property or land holdings located inside New Zealand.
- For asset & equipment finance: vehicles, plant, or machinery — no property security required.