Deploy capital with Finbase
Access property-secured private credit opportunities across New Zealand, managed through Finbase.
Partnering institutional capital with property-secured lending
Finbase operates across the full credit lifecycle, from loan origination and credit assessment through to settlement, servicing and ongoing portfolio management.
Institutional partners access New Zealand property credit through arrangements starting from $50 million. Each arrangement is supported by agreed eligibility criteria, loan-level visibility and ongoing reporting.
An integrated approach to private credit investing
Origination
Finbase provides institutional investors with property-secured lending opportunities across New Zealand, sourced through adviser relationships, direct borrower channels, and repeat borrower networks.
Credit Framework
Each lending opportunity is assessed against defined credit criteria, the underlying property quality, borrower strength, loan-to-value ratio, transaction purpose, and repayment pathway. All loans are secured by first-ranking registered mortgages over New Zealand real estate.
Servicing and Oversight
Finbase manages all loans it originates, handling borrower communication, payments, variations, discharges, and ongoing administration. This integrated approach ensures complete reporting visibility and direct oversight throughout the loan lifecycle.
An integrated approach to private credit investing
Institutional partnership structures
Finbase partners with institutional capital providers to build bespoke arrangements, tailored to their mandate, scale and risk appetite.
Forward Flow & Warehouse Facilities
Programmatic acquisition of eligible loans under agreed credit parameters and advance rates. Loans are originated, underwritten and serviced by Finbase in line with the agreed structure.
Managed Mandates
Finbase builds programs tailored to each institution's risk and return objectives, with customised portfolio construction and segregated reporting.
Co-Investment Opportunities
Selective co-investment with Finbase in qualifying lending programs.
Structured governance and aligned oversight
Finbase lends within a defined credit and governance framework. All lending decisions are approved internally, with oversight spanning origination, credit and servicing.
Investment structures are managed in accordance with their governing documents, with external trustee, audit and reporting requirements applying where relevant.
Where applicable, Finbase may retain subordinated capital or first-loss exposure within agreed institutional structures, supporting alignment between Finbase and its capital partners.
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