Banks tend to focus on property lending, while equity funds target high-growth or early-stage ventures. This leaves many established, profitable New Zealand businesses without access to the flexible growth capital they need, and that’s where NetCredit steps in.
Term debt, forward revenue finance, working capital, and M&A funding, each structured around how NZ businesses actually need capital, with robust security across every facility
By operating across both smaller and larger cheque sizes, NetCredit unlocks origination channels that most other lenders can't access - giving us broader deal flow and the selectivity to fund only the best opportunities.
We hold security on every loan, but security is the last resort - interest is paid from cashflow, which is why NetCredit maintains live API connections into each borrower's accounting software, giving us real-time visibility across the entire portfolio.
The NetCredit Unit Trust provides investors with access to New Zealand’s private credit market, offering stable, income-focused returns backed by real assets and robust investee company covenants.
The Fund lends to established, profitable businesses targeting opportunities where traditional banks are less flexible but strong security and cashflow remain. Each loan is directly originated and actively managed by the NetFunds team using institutional-grade credit analysis and covenant monitoring, with independent trustee oversight.
Fund Structure
To find out our latest returns, deployment rate and full information memorandum, click learn more.
