Need growth capital?

Let’s see if we can help.
Tell us what you need the funds for — and we’ll show you if it fits one of our specialised debt solutions. No jargon. No guesswork.

💬 Ask Our AI Assistant – Fast Answers, Anytime

Our AI assistant is trained on Net Funds’ 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 Net Funds
Fuel your growth with smart, strategic capital.

At Net Funds, we back growing New Zealand businesses with the capital they need to expand, acquire, innovate, and lead. Our Net Capital 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.
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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

    Learn more
  • Term Debt

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

    Learn more
  • Forward Revenue Finance

    To unlock funding based on recurring or contracted future income

    Learn more
  • Business Acquisition Funding

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

    Learn more
  • Property-Linked Business Finance

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

    Learn more

🌏 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.

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💡 Why Borrow from Net Funds?
At Net Funds, we go beyond traditional lending. We’re here to partner with ambitious businesses and deliver tailored, strategic capital that fuels real growth. Our team has decades of experience in lending, commercial property, private equity, and financial advisory — and we bring that expertise into every funding relationship we build.

🔑 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.
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Get in touch today for a no obligation free chat.
Let’s see if we can help.
Get in touch