For borrowers
Business funding backed by property
Business-purpose funding for New Zealand businesses, assessed on purpose, information, repayment position and proposed security.
LendCap provides a peer-to-peer route for New Zealand businesses seeking funding for genuine business purposes. Transactions may use property security where appropriate. Applications are assessed on the business purpose, borrower information, repayment position, proposed security and supporting documents before any opportunity is considered for presentation to registered lenders.
Business purpose only
LendCap facilitates business-purpose lending. Consumer mortgages and personal loans are outside this service. The business purpose is tested at application, and where the purpose is not a genuine business purpose, the application will not proceed.
Who can apply
New Zealand business borrowers, including companies, trusts and partnerships trading in business. Eligible entity types and any current statutory borrowing limits are governed by the current Peer-to-Peer Lending Service Disclosure Statement (March 2026) and confirmed during assessment rather than published here.
What we ask for
- Funding purpose, amount and timing
- Business profile and trading history
- Financial information and ownership details
- The proposed security and supporting documents
- The intended repayment or exit position
Typical use cases
- Business refinance
- Short-term or bridging funding for a business purpose
- Property development where business-purpose criteria apply
- Business-purpose renovations and improvements
- Other property-backed business funding
What we do not publish
LendCap does not publish a maximum loan-to-value ratio, interest rate, term or approval timeframe. Those are transaction-specific, confirmed in writing during assessment, and only shown publicly once approved. Current approved loan-to-value guidance: Up to 65% of property value. Current approved assessment guidance: Initial response within 2 business days.
Have a question before applying? Contact us and we’ll get back to you.
Prefer to talk it through? Call 09 873 8645.
Everything else you need before applying:
Deal types and criteria
Deal types we consider
The kinds of business-purpose transactions LendCap will look at, and the ones that fall outside the service.
Indicative lending criteria
Indicative guidance on security, loan-to-value position and information requirements, subject to change deal by deal.
How assessment works
The steps an application moves through, from first enquiry to assessment, presentation to lenders and settlement.
Risk & Security
What registered property security does and does not do, and the risks that remain for both sides of a loan.
Fees & Disclosures
The current disclosure statement and borrower terms, which are the authoritative source for any fee that applies.
Working with an adviser
How advisers and referrers can send a short triage enquiry on behalf of a business client.
Borrower FAQs
Short answers to the questions business borrowers ask most often before applying.
Contact us
Send the outline of a transaction and we will come back to you, without registering first.
Common situations
Bank declined your business loan
Why banks decline viable businesses, and what a property-backed lender assesses differently.
Caveat loans explained
What a caveat loan is, how it differs from a registered mortgage, and the risks involved.
Second mortgage business loans
Releasing equity behind an existing first mortgage, and what second-ranking lending means.
Urgent business funding
What actually moves a time-critical application quickly, and what cannot be rushed.
Last reviewed: 7 September 2026
LVR Calculator
Estimate the loan-to-value ratio for the property security you're considering.
Send us the outline and we will see if it is something LendCap can assist with. No registration needed.