Lending Criteria & Parameters
Transparent, institutional-grade lending parameters structured to fit your scenario.
| Lending Feature | Short-Term Loans | Long-Term Non-Bank Finance |
|---|---|---|
| Loan Size Range | $50,000 – $10,000,000+ | $300,000 - 5,000,000+ |
| Max LVR (Loan-to-Value) | Up to 70% (Commercial) / 75% (Residential) | Up to 70% (Commercial) / 80% (Residential) |
| Loan Term Length | 3 to 24 months (Highly flexible extensions) | Upto 20 - 30 Yrs (Roll-over options available) |
| Interest Structures | Capitalized, Retained, or Monthly Serviced | Monthly Serviced or Partially Capitalized |
| Amortization Profile | Interest-Only (Bullet repayment upon exit) | Interest-Only or Structured Principal & Interest |
|
Learn More about Short Term Loans → |
Learn More about Long Term Finance → |
Our Process to Settlement
Speed is our strength. We move your property finance from application to settlement smoothly.
Scenario Submission
Submit your loan details online or over the phone. Our specialists review the parameters immediately to evaluate property viability.
Indicative Letter of Intent (LOI)
Within 48 to 72 hours, we issue an indicative term sheet cleanly breaking down loan sizing, interest configurations, and clear upfront cost setups.
Due Diligence & Valuation
We perform standard property appraisals, verify exit strategies, and review quick asset allocations to confirm security matching parameters.
Formal Approval & Funding
Once documented via our trusted legal networks, formal loan instructions are issued, executing settlement in days rather than weeks.
Recent Deals Settled
Proven execution capabilities. Take a look at recent property transactions structured across New Zealand.
Commercial Site Settlement Bridge
Scenario: Client required urgent bridging funding to settle a high-value commercial construction footprint inside a strict contract timeline window.
Structured an asset-backed short-term facility inside 5 business days, successfully protecting contractual deposits.
Industrial Warehouse Portfolio Refinance
Scenario: Expiring bank facilities left the client exposed due to rigid corporate restructuring assessment policies failing standard servicing test rules.
Secured a non-bank long-term facility configured entirely around robust underlying equity structures and clear exit options.
Application Document Checklist
Gather these initial documents to fast-track your formal indicative term sheet within 24 hours.
Entity & Borrower Details
- Company Incorporation Certificate / Trust Deed copies
- Valid ID for all principal Directors & Guarantors
- Brief overview of the borrower's Assets & Liabilities
- Income verification case to case basis
Property & Transaction Details
- Signed Sale & Purchase Agreement (if acquiring)
- Current Rent Roll summary & Lease Agreements (for commercial tenancies)
- For Construction: Resource Consent details & preliminary costings
Working With New Zealand's Leading Non-Bank Lenders & Private Funds
