Secured lending to New Zealand businesses, built for Active Investor Plus investors
Capital Connect deploys wholesale investor capital into short-duration, asset-backed loans for established New Zealand SMEs, generating quarterly income and a credible, NZTE-recognised path to New Zealand residency.
Capital Connect
A NZTE-recognised Acceptable Managed Fund under the Active Investor Plus Growth Category, giving international investors a credible, asset-backed path to New Zealand residency.
New Zealand's banks have retrenched from SME lending, leaving a NZD 50,000 to NZD 1,200,000 gap for creditworthy businesses even as bank business lending reaches NZD 43.5B, up 20.8% year on year.
Meanwhile the Active Investor Plus programme has built a NZD 4.26B+ pipeline of international capital against roughly 70 approved funds, many of which struggle to deploy meaningfully into real assets.
Capital Connect closes both gaps at once, deploying investor capital into secured, short-duration New Zealand lending and paying quarterly income backed by registered security over real business and property assets.
A disciplined secured lending strategy
New Zealand's banks have retrenched from SME lending even as business credit reaches NZD 43.5B, up 20.8% year on year. Capital Connect deploys into that gap, originating secured, short-duration facilities of NZD 50,000 to NZD 1,200,000 for established New Zealand businesses.
Asset-Backed Lending
Every lending facility is secured against identifiable New Zealand assets such as business equipment, trade receivables, inventory, or property. Security is perfected and registered, providing the Fund a tangible first-ranking claim over borrower assets in every facility.
Conservative Loan Structuring
Facilities are structured with conservative loan-to-value ratios, typically not exceeding 70% against collateral value, supported by defined financial covenants, repayment schedules, and borrower reporting obligations. Loan sizes range from NZD 50,000 to NZD 1,200,000, with demonstrated borrower debt serviceability required before any facility is approved.
Stable Income Generation
Returns are generated through fixed contractual interest payments on each deployed facility, providing a predictable and recurring income stream independent of equity market conditions. Loan terms of 6 to 12 months enable active portfolio rotation and reduce duration risk for investors.
This strategy delivers consistent quarterly income and capital preservation through carefully managed, short-duration, asset-backed lending.
Capital that moves at the speed of real business
Whether you are an international investor seeking New Zealand residency through the Active Investor Plus visa, or a business seeking flexible secured funding, our team is ready to help.