For lenders
Review New Zealand business lending opportunities
Registration gives you access to assessed opportunities and their formal offer material. What you do with each one is your decision.
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.
LendCap is a New Zealand peer-to-peer lending service operated by Crowdsphere Limited. Registered lenders can review individual business lending opportunities, including the borrower and proposed security information provided in the formal offer, then decide whether to participate. Returns vary by opportunity and lending involves risk, including the risk of borrower default and capital loss.
Who can register as a lender
Lender eligibility follows the current Peer-to-Peer Lending Service Disclosure Statement (March 2026). Registration includes standard identity and anti-money-laundering onboarding, which must be completed before you can review opportunity detail in the secure environment.
Registering does not commit funds
Creating a lender account does not commit you to fund anything. You review opportunities as they are presented and choose, one at a time, whether to participate.
What a registered lender receives
Once you can see an opportunity, the formal offer material is where the real decision-making detail sits. It typically includes:
- Borrower background and the purpose of the funding
- Business and financial information relevant to the assessment
- The proposed security and the loan and security documents
- Risk information specific to that opportunity
Returns are offer-specific
Returns are set by each individual opportunity and are never guaranteed. Payments are subject to tax, applicable fees, and default and collection risk.
Fees
Free to register and review opportunities
What property security does, and does not do
Where a transaction is property-backed, registered security gives a defined position to pursue if the borrower defaults. That may support recovery. It does not guarantee repayment, the timing of recovery, or the value realised on a sale, and property values change.
Indicative Return Calculator
Rates are set opportunity by opportunity and are typically 6-8% p.a., paid monthly. Enter an amount and a rate to see what that could look like.
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Last reviewed: 7 September 2026
