Fundsmart is a New Zealand business finance broker. Short term funding, lines of credit and fast moving commercial transactions are what we do best. Come to us direct, or through your accountant, lawyer or mortgage adviser, and we will structure the requirement and present it to appropriate bank, non bank, private and specialist funding providers.
Fundsmart is a broker, not a lender. The selected funding provider makes the final lending decision.
How we work
Whether you are the business owner or the professional adviser beside them, the starting point is the same conversation about the transaction.
Business owners, commercial property investors and developers can contact Fundsmart directly. Tell us what needs to be funded, how much and by when. We do the structuring and approach the providers that suit the transaction.
Accountants, lawyers, mortgage advisers and brokers refer business, asset, commercial property and specialist finance to Fundsmart. You keep the client relationship, we handle the funding piece and keep you informed.
Where we add the most value
Many business transactions fail on timing rather than merit. Fundsmart focuses on funding that has to move quickly and on facilities that stay available when the business needs them.
Bridging, settlement and transitional funding for a defined period with a clear exit, including property backed short term facilities.
Revolving and on demand facilities that sit behind the business for working capital, stock, trade and cashflow timing gaps.
Where a deadline is short, we approach providers who can assess quickly and tell you early whether the timeframe is realistic.
Timeframes depend on the transaction, the information available and the funding provider's own assessment. Fundsmart cannot guarantee that funding will be approved or available by a particular date.
Fundsmart assists with funding required wholly or predominantly for a genuine business, commercial or investment purpose. We do not arrange consumer residential mortgages or personal lending.
You do not need to know the exact finance product before contacting us. Start by telling us what the business is trying to achieve.
Funding to help manage business cashflow, operating requirements, seasonal demand or a planned growth opportunity.
Learn moreFinance for machinery, vehicles, technology, tools, fit outs and other assets used by the business.
Learn moreFunding structures for purchasing an existing business, franchise, business assets or company shares.
Learn moreFinance for purchasing, refinancing or releasing equity from commercial and investment property for an eligible business purpose.
Learn moreFunding for land, subdivisions, construction, development projects, cost overruns and residual stock.
Learn moreFunding for time sensitive transactions where there is a clear requirement and a credible repayment or exit strategy.
Learn moreFinance for stock purchases, supplier deposits, imports, seasonal inventory and business trade cycles.
Learn moreFunding to help bridge the timing between completing work, paying business costs and receiving customer payments.
Learn moreReviewing existing business debt, IRD obligations, expiring facilities and other commercial finance commitments.
Learn moreAccountants, lawyers, mortgage advisers and brokers
Fundsmart works alongside professional advisers. We help structure business, asset, commercial property and specialist finance while you keep your client relationship.
You remain your client's primary adviser. Fundsmart supports the funding piece.
Bank, non-bank, private and specialist providers for complex transactions.
Fee-sharing is discussed upfront so everyone understands the engagement.
Discuss a transaction informally before either party commits to proceeding.
Fundsmart sits between the client and potential funding providers. Our role is to understand the proposed transaction, help organise it clearly and approach appropriate providers with the client's authority.
The client or professional adviser tells Fundsmart what needs to be funded.
We consider the purpose, amount, timing, business position and available transaction information.
We help organise the information and identify the type of provider that may be appropriate.
The selected funding provider completes its own assessment and makes the final decision.
Fundsmart does not make the lender's credit decision and cannot guarantee that funding will be available.
A previous decline does not mean finance will be available. Fundsmart will need to understand the complete transaction before explaining whether there may be another pathway.
We begin with what the business is trying to achieve rather than requiring the client to select a finance product first.
Depending on the transaction, Fundsmart may consider bank, non bank, private and specialist funding options.
We help turn an initial funding need into a clearer proposal that an appropriate funding provider can assess.
Fundsmart helps coordinate the process and keeps the client informed about the information and next steps required.
Provide a few basic details and Fundsmart will contact you to discuss the transaction and explain the next step.
