Built to close two gaps at once
Capital Connect was founded to close New Zealand's SME credit gap and give international investors a credible path into real New Zealand assets.
A structural failure, and a fund built to fix it
Capital Connect was founded to address a structural failure in New Zealand's credit market. Banks have retrenched from small and medium enterprise lending, yet demand for flexible, responsive secured credit has never been higher. Bank business lending now sits at NZD 43.5 billion, up 20.8% year on year, while creditworthy businesses seeking NZD 50,000 to NZD 1,200,000 are routinely turned away.
At the same time, the Active Investor Plus visa programme has built a pipeline of more than NZD 4.26 billion of international capital seeking acceptable Growth Category investments, much of it struggling to deploy into genuine New Zealand assets.
Capital Connect closes both gaps. The team has originated and repaid over 1,200 secured lending facilities, deploying more than NZD 260 million across New Zealand's SME and property sectors, with NZD 1 billion in aggregate transaction experience behind every decision.
Understanding both sides
The borrower's perspective
Businesses and developers need capital that moves at their pace. Traditional institutions rarely provide the speed, flexibility or certainty that real opportunities demand.
- Speed of credit decision
- Flexible loan structures
- Certainty of execution
- Responsive relationship management
The investor's perspective
Investors require consistent returns, disciplined risk management and full transparency. Capital protection is not negotiable.
- Conservative credit underwriting
- Asset-backed security
- Quarterly distributions
- Quarterly LP investor reports
- Investment committee governance
The principles we operate by
Credit Discipline
Every facility passes structured credit assessment and Investment Committee approval before a dollar is deployed. We do not compromise on credit quality to win a deal.
Asset Protection
Investor capital is protected through conservative loan-to-value ratios and registered, first-ranking security over identifiable New Zealand assets in every facility.
Transparency
Investors receive quarterly reports and audited annual statements; borrowers receive clear terms and timely communication throughout the loan lifecycle.
Long-term Relationships
We build lasting partnerships with investors, borrowers and advisers based on delivered outcomes, not transactional volume.
The team behind the fund
The Capital Connect team has over a decade of experience deploying secured capital across New Zealand's real economy.
Tammy has over a decade of experience in secured lending, property finance, and credit structuring across New Zealand's SME and property sectors. She leads borrower assessment, credit structuring, and portfolio management for the Fund.
Nick is an entrepreneur and senior executive with a career in property development, commercial operations, and direct lending in New Zealand. He oversees commercial strategy, investor relations, and business development for the Fund.
Harry brings international capital markets and advisory experience from senior roles across Asia, the Middle East, and the United States. He leads the Fund's strategic positioning and relationships with institutional and wholesale investors.
Frank has fifteen years of experience in investment, property development, and credit structuring in New Zealand and internationally. He leads the Fund's credit assessment framework, loan documentation, and portfolio monitoring.
Partner with Capital Connect
Whether you are an investor, borrower or adviser, we welcome the opportunity to discuss how Capital Connect can serve your needs.