Need growth capital?

We fund ambitious New Zealand businesses turning over $1m-$30m who need growth capital to expand, acquire or innovate.

💬 Ask Our AI Assistant – Fast Answers, Anytime

Our AI assistant is trained on NetFunds’ lending criteria, AIP visa guidelines, and investment information. It’s a great way to get quick, accurate insights — but for specific lending or investment queries, please contact us directly here

Tell our assistant what you're looking to borrow for and be as broad or as specific as you like.

Borrow with NetFunds

Fuel your growth with smart, strategic capital.

At NetFunds, our NetCredit debt fund provides flexible lending solutions designed for small and medium enterprises (SMEs) that are underserved by traditional banks — and ready to grow.

Who We Lend To

We work with New Zealand-based businesses that are:

Generating $1M–$30M+ in annual revenue
Operating in growth-oriented sectors (technology, healthcare, advanced manufacturing, agritech, renewable energy, food & beverage, tourism, and more)
Led by strong, experienced management teams
Seeking $500K–$10M+ in funding for clear growth, acquisition, or development plans

Our loans are ideal for:

Established businesses needing a capital partner
Businesses with strong cashflow or recurring revenue
Management teams planning acquisitions, expansions, or infrastructure upgrades
Companies seeking non-dilutive growth capital

Loan offerings are subject to credit approval and compliance with applicable laws and regulations. Terms and conditions apply.

Apply for Lending

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Types of Loans We Offer

Flexible Lending Solutions for Growth-Focused Businesses

We offer tailored debt solutions for ambitious New Zealand businesses. Whether you're expanding, acquiring, upgrading infrastructure, or managing cashflow, our lending products are designed to support your next phase of growth — with speed, flexibility, and strategic alignment.

Working Capital Loans

Trade finance and invoice funding to smooth cashflow

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Term Debt

For project-based growth, infrastructure investment, or general business expansion.

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Forward Revenue Finance

To unlock funding based on recurring or contracted future income

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Business Acquisition Funding

To fund the purchase or merger of a new business or ownership transition.

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Property-Linked Business Finance

For real-economy property projects that support business growth or economic development.

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Apply for Lending

AIP Visa-Aligned Lending

Many of our loans also qualify under the Active Investor Plus (AIP) visa growth investment criteria. We fund projects that:

Create jobs or increase exports
Support innovation, R&D, or technology development
Enable infrastructure that boosts productivity or housing
Can demonstrate measurable growth outcomes

If you're unsure whether your project qualifies, ask our AI assistant — or email us directly.

Why Borrow from NetFunds?

At NetFunds, we go beyond traditional lending. We’re here to partner with ambitious businesses and deliver tailored, strategic capital that fuels real growth.

What Makes Us Different?

Speed + Certainty: We move fast, but we’re thorough. Expect decisions in days, not months — with clear communication throughout.
Tailored Lending: No cookie-cutter terms. We design facilities that match your growth plan, not the other way around.
More Than Money: Tap into our strategic advice, governance insights, and nationwide business network.
AIP Visa Aligned: Many of our loans qualify as growth investments under the NZ Active Investor Plus visa scheme.
Long-Term Mindset: We're not transactional. We back businesses we believe in and support them through every stage of growth.
Confidential + Relationship Driven: We respect your business and your time. Trust is at the core of every loan we make.

Get in touch today for a no obligation free chat.

Let’s see if we can help.

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