A private credit fund built to grow businesses and protect investor capital through hands-on risk management. PIE Tax Compliant, AIP Approved Fund, Monthly Income.
Net Funds Nominee Limited (FSP1009920) is a registered financial services provider under the Financial Services Amendment Act 2010.
The Opportunity
Traditional banks prioritise property. Venture and private equity serve the extremes. That leaves a $5B+ credit gap across the backbone of our economy — profitable, proven businesses that need capital to grow, hire, and expand.
60,000+ Growth Stage Businesses In NZ
$1M-$30M - Annual Turnover Each
$100B - Contribution to GDP
Structured Growth Capital for New Zealand’s Real Economy
NetCredit is a wholesale private debt fund connecting investor capital with New Zealand’s growth-stage SMEs — typically turning over $1M to $30M. These are businesses scaling fast, creating jobs, exporting, or investing in critical infrastructure.
Unlike traditional lenders, we provide tailored, short-to-medium term lending that adapts to each borrower’s needs, while applying disciplined risk management at every stage. Our active portfolio oversight, diversification, and governance-first approach are designed to protect capital while unlocking strong, sustainable returns.
Fund Structure
Legal Structure: Wholesale Unit Trust under the FMC Act
Manager: Net Funds Nominee Ltd (FSP 100992)
Trustee: Covenant Trustee Services
Registrar: Caruso Software Limited
Auditor: KPMG
Regulatory Status:
Wholesale investor only
PIE tax-compliant
AIP Growth Category aligned (NZTE-consulted and structured for international investor eligibility)
Target Returns
Investor Return: OCR + 7% per annum (target IRR)
Distributions: Paid monthly
Minimum Investment: NZD $100,000
Redemptions: After 12-month lock-in, with 12 months’ notice
Liquidity: Diversified portfolio and staged runoff policy
Why Investors Choose Net Capital
Proven track record: $100M+ capital deployed by our team since 2018
Diversification by design: Product allocation and borrower/sector limits built into SIPO
Live credit monitoring: API-linked financial data for real-time loan oversight
No performance fees: We only earn when you earn
Alignment with Growth: Each loan screened for NZ economic impact (jobs, exports, innovation)
AIP Visa investors welcome: Structured to meet NZTE Growth Category expectations
Investments in private debt carry risks, including the potential loss of principal. Past performance is not indicative of future results.
NetCredit provides structured debt to New Zealand’s small and medium-sized enterprises at pivotal growth stages, helping them unlock expansion, productivity, and transformation. We target businesses with strong fundamentals, experienced leadership, and clear scaling plans — often overlooked by banks but not yet suited to equity investment.
Our lending spans key sectors driving New Zealand’s economy, including technology, manufacturing, food and beverage, tourism, logistics, and more. Each loan is tailored, not generic — structured around performance, cashflow, and defined exit events.
We combine rigorous credit screening, real-time financial monitoring, and active portfolio management to protect investor capital while enabling sustainable business growth. Every opportunity is assessed for commercial strength, leadership capability, and its contribution to New Zealand’s economy, jobs, and innovation.
NetCredit is built for long-term value and disciplined risk management, delivering consistent outcomes for investors while strengthening the businesses that keep New Zealand moving forward.
See our information memorandum for more details.
At NetCredit, portfolio and fund management is a hands-on discipline — designed to protect capital, drive returns, and deliver measurable impact. We actively manage borrower relationships and investor capital to ensure every dollar is deployed into opportunities that meet our strict credit, governance, and impact standards.
Our team uses real-time financial monitoring and clearly defined covenants to identify and address risks early. Each investment is assessed for cashflow strength, leadership capability, and repayment clarity — with structured exit strategies in place if conditions change.
At the fund level, we maintain disciplined allocation and diversification, operating within the limits set in our SIPO to manage sector, product, and maturity exposure. Governance is rigorous, with independent review of major decisions and transparent investor reporting.
The result: Confidence in deal quality, consistency in returns, and control through clear communication — giving investors a trusted platform for growth-oriented, risk-managed business lending.
See our information memorandum for more details.
At NetCredit, our investors are long-term partners — not just capital providers. Whether you’re a local wholesale investor or an international AIP participant, we deliver clear communication, direct access, and disciplined transparency from day one.
You’ll be guided personally through our strategy, how returns are generated, and the reporting you can expect. We provide quarterly performance updates, audited annual accounts, and real-time visibility through our secure Caruso investor portal.
For AIP investors, we supply the documentation and impact reporting needed for visa compliance, along with tailored support throughout the investment process.
Most importantly, you’ll always have a direct line to our leadership team. We protect capital with care, communicate with clarity, and invest alongside you with conviction.
See our information memorandum for more details.
Who we've helped.
Trusted relationships for growth
Technology Sector Investment Success
Industry: Technology
Current Group Revenue: $3 million
NetFunds provided structured funding over a 6-month period to support a significant working capital requirement for a large project. The investment was secured by a General Security Agreement (GSA) and a personal guarantee, ensuring strong risk management.
The funding was successfully exited, delivering an impressive 20% return on equity for investors.
Manufacturer Investment Success
Industry: Manufacturing
Current Group Revenue: $40 million+
This client required asset financing for new machinery in order to increase production. NetFunds structured the investment with a GSA & personal gurantee's, which is further supported by a strong positve cashflow.
The investment is currently generating a 12% return, providing both security and strong returns for investors
Tech & Manufacturing Investment Success
Industry: Tech & Manufacturing
Group Revenue: $7M+
A client undergoing an exit from an international private equity firm required short-term working capital to maximise their exit multiple. NetFunds provided funding over three months, delivering a 10% return.
The investment was secured by company shares valued at $10M and a personal guarantee worth $30M, ensuring strong risk protection while supporting a high-value exit.
