NZAB Capital offers first mortgage debt finance, for New Zealand Agribusinesses, with bespoke structures matched to the strategy of each farm business. Typical loans range from $2-35 million (with larger loans able to be arranged independent of the fund), supporting:
• land acquisition and expansion
• ownership and succession transitions
• technology and productivity upgrades
• refinance where current bank terms are unsustainable
Our pricing varies depending on the individual transaction. Each loan is assessed and priced based on factors such as security, cashflow resilience, overall strategy, and the pathway back to bank funding. We do not apply flat or formula driven pricing. Every facility reflects the underlying risk profile and the strategic purpose of the capital.
NZAB Capital can offer a full range of lending products that can be structured to suit your needs, including term loans (either interest only or amortising), development loans that can be drawn down progressively as needed, and working capital facilities that can be drawn or repaid monthly in line with cashflows.
No. NZAB Capital is designed for situations where a pathway back to main bank lending or a strategic step change is needed. This could include asset expansion, productivity improvements, change of land use, or asset divestment. These scenarios often require additional support from NZAB Advisory to ensure a successful outcome. If a customer feels their current bank terms are unworkable or their interest rate is punitive, they may also fit the criteria for NZAB Capital.
NZAB Capital has developed its own capital funding structure which is designed to incorporate multiple funders as it grows, with Macquarie Bank Limited as our initial funder. Our funders don’t have a role in decision making or credit appetite, ensuring that decisions are made locally by those who best understand our industry.
We provide flexibility that traditional lenders often cannot offer under current regulations, with tailored funding structures, faster decision making, and the ability to support farmers through periods of transition, challenge or where they don’t meet standard bank criteria.
Contact us via our website or speak to an NZAB advisor. We’ll guide you through the process and assess the best capital fit for your needs.
Approval timelines vary by complexity but are generally faster than traditional banks, often within weeks once documentation is complete.
NZAB Capital is registered on New Zealand’s Financial Service Providers Register. This means it is authorised to provide financial services and must comply with applicable regulatory requirements, including anti-money laundering laws. NZAB Capital is not a registered bank or deposit-taking institution.
Absolutely. We often structure solutions that complement existing bank facilities rather than replace them. However, we are not a mezzanine funder and will only consider first mortgage proposals.
We lend across all major farming sectors where suitable first-mortgage or livestock security is available, including dairy, sheep and beef, arable, horticulture and mixed livestock. If a situation falls outside our lending parameters, NZAB Advisory can help you with other alternative capital providers or bank solutions that may be a better fit. Our goal is always to secure the right capital for your strategy, even if that is not NZAB Capital.
Typically, first mortgage over land and improvements with security over other farming assets alongside. Additional security may also be required depending on risk profile.
First mortgage Agri loans from $2m to $35m for New Zealand farmers, built on NZAB’s deep understanding of Agri capital and farm strategy.
2 Princes Street, Auckland Central, Auckland 1010
© NZAB Capital Limited
The information on this website is of a general nature only and does not constitute financial advice. Lending is subject to credit approval, terms, conditions and security requirements.