Skip to content
LendCap

Property-backed. New Zealand based.

Peer-to-Peer Property Lending in New Zealand

You choose the deal. Every opportunity is presented in full before you commit.

  • You choose deal by deal
  • No funds are committed when you register
  • Full offer material before you commit

Typically 6-8% p.a.

paid monthly

Indicative range only. The actual rate depends on the specific opportunity and is set out in its offer information before you decide. You choose which opportunities to fund.

Returns vary by opportunity and are not guaranteed. Peer-to-peer lending involves risk, including borrower default and loss of capital. Opportunities are backed by registered security over New Zealand property; security supports recovery but does not guarantee repayment or the amount recovered.
Register to lendRegister to borrowWorkshop a deal
NZ Based
FSP360186
Property Backed
Assessed before listing
Crowdsphere Limited trading as LendCap | FSP360186 | NZ peer-to-peer lending serviceAbout LendCapFees & Disclosures

How LendCap works

Three steps. You stay in control.

You are not required to deposit funds when you register. You only provide funds if you choose to participate in a specific opportunity.

01

Register for free

Create your lender profile in minutes and complete identity verification.

02

Receive opportunities

Assessed, property-backed lending opportunities sent to you with the offer material.

03

Choose to lend

Decide deal by deal. You only provide funds if an opportunity suits you.

Lending and borrowing on LendCap

One platform. Three ways forward.

For lenders

Earn returns from property-backed opportunities.

Put capital to work in assessed, property-backed lending opportunities. LendCap connects lenders with New Zealand businesses seeking funding, with the terms of every opportunity set out in front of you before you commit.

  • Property-secured opportunities
  • Transparent loan structures
  • Interest rates set per opportunity
  • Clear risk grading
  • Regular reporting
Start reviewing opportunities

For borrowers

Move forward with flexible, structured funding.

Business-purpose funding secured against New Zealand property, with transparent terms and responsive, locally based decision making.

  • Property-backed business loans
  • Rates set per opportunity
  • Streamlined assessment
  • Flexible terms
  • NZ-based decision makers
Discuss your funding needsBorrowing with LendCap

Workshop a deal

Send an outline and we'll review it with you.

Not ready to register? Send us the high-level details of the funding scenario and we'll let you know if it's something LendCap can assist with. No commitment and no full application required.

  • Quick outline is enough
  • No registration needed
  • Initial feedback within two business days
Workshop a deal

Prefer to talk it through? Call 09 873 8645.

Why choose LendCap

Built on security, transparency & discipline.

Every opportunity is assessed with discipline and due diligence. The platform is designed to inform lenders while helping borrowers access responsible funding.

Property security first

Lending opportunities are backed by registered security over New Zealand property.

Assessed before listing

Every loan is reviewed for purpose, repayment position and security before listing.

New Zealand focused

Locally managed, locally structured and focused on the New Zealand market.

Aligned interests

Structured lending designed to work for lenders and borrowers alike.

Get the Investor Quick-Start Guide

A one-page overview of how LendCap works, sent straight to your inbox.

No spam, just this guide, and the occasional update if new opportunities open.

Opportunities

View all opportunities
Indicative example: not currently availableLC-EXAMPLE-01

Business working-capital refinance

An established trading business refinancing existing facilities and releasing working capital, structured against property security. Term and lender return would be set by the formal offer for any comparable future opportunity.

Purpose
Business refinance / working capital
Region
Auckland region
Amount
$200,000 - $300,000 (indicative band)
Security
Property-backed structure

Indicative example: not currently available. Terms shown are illustrative only. Any future opportunity will have its own offer information, assessment and risk profile.

Register to see full opportunities
Indicative example: not currently availableLC-EXAMPLE-02

Short-term business bridge

Temporary business-purpose funding pending an identified exit or refinance. Bridging structures depend on the credibility of the exit, which is assessed before any opportunity would be presented to lenders.

Purpose
Short-term business-purpose funding
Region
Waikato region
Amount
$150,000 - $250,000 (indicative band)
Security
Property-backed structure

Indicative example: not currently available. Terms shown are illustrative only. Any future opportunity will have its own offer information, assessment and risk profile.

Register to see full opportunities
Indicative example: not currently availableLC-EXAMPLE-03

Business property improvement

Improvement and fit-out works on a commercially used property, funded for a genuine business purpose and supported by registered security over property.

Purpose
Business-purpose property improvement / fit-out
Region
Canterbury region
Amount
$250,000 - $400,000 (indicative band)
Security
Registered property security

Indicative example: not currently available. Terms shown are illustrative only. Any future opportunity will have its own offer information, assessment and risk profile.

Register to see full opportunities

Ready to look at your first opportunity?

Registering is free and does not commit you to fund anything. You decide, opportunity by opportunity.

Register to lendApply for funding

Lower commitment

Not sure if we can help?

Tell us your situation, whether you're looking to lend or looking for funding, and we'll let you know if it's something LendCap can assist with. No registration needed to ask.

Send us a message

General questions about LendCap, lending, borrowing or the platform.

Fields marked are required.

Optional.

Your details are used only to respond to this enquiry and are handled under LendCap's privacy policy.

Register to lendApply for funding