NetCredit
A private credit fund providing secured loans to profitable New Zealand businesses.
PIE Tax Compliant · AIP Approved · Monthly Income
Banks tend to focus on property lending, while equity funds target high-growth or early-stage ventures. That leaves many established, profitable New Zealand businesses without the flexible growth capital they need. That's where NetCredit steps in.
NetCredit, our private credit fund, is backed by a mix of New Zealand and offshore investors, and it's built around what they value most: capital preservation, continuous deployment and genuine liquidity. Every loan in the fund is growth lending, and that hasn't changed since day one.
Diversified Product Offering
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.
Liquidity
NetCredit has been designed to balance the needs for investor liquidity with the structural constraints of SME lending. There are several features of the Fund that support the Fund's ability to meet redemption requests.
Investee Company Monitoring
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 for real-time visibility.
NetCredit
Fund Structure
Structured for cross-border tax efficiency.
NetCredit is built to accommodate international investors with specific tax treatments already in place for notified foreign investors and US shareholders.
Variable Rate PIE · 1.44% Withholding
Confirmed with New Zealand IRD, the NetCredit fund can be treated as a Variable Rate PIE. If you qualify as a Notified Foreign Investor (NFI), we are able to apply a 1.44% withholding tax rate on most distribution income, rather than the default rate of 28%.
US Investors · QEF Elections Supported
For US investors, NetCredit is a PFIC fund and supports making Qualified Electing Fund (QEF) elections.