Need growth capital?

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

Why Borrow with NetCredit?
At NetCredit, 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?

  • 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.
  • Long-Term Mindset: We're not transactional. We back businesses we believe in and support them through every stage of growth.
  • Relationship Driven: We respect your business and your time. Trust is at the core of every loan we make.
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Fuel your growth with smart, strategic capital.

NetCredit 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
  • Led by strong, experienced management teams
  • Seeking $500K–$10M+ in funding for growth, acquisition, or development opportunities.

Our loans are ideal for:

  • Established businesses needing growth capital
  • Businesses with strong cashflow or recurring revenue
  • Management teams planning acquisitions, expansions, or infrastructure upgrades
Borrow with NetCredit

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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Borrow with NetCredit