NZAB Capital provides transitional funding for strong farm businesses that fall outside traditional bank lending criteria.
Over the past decade, New Zealand’s rural lending environment has changed dramatically. Despite farmers needs becoming more complex, banker numbers have reduced and credit criteria has softened, mainly due to increased regulation. This has meant that many of the loans that were traditionally approved are no longer able to be supported unless they can tick every box.
While these reforms strengthened banking stability, they have also left many successful farm businesses with fewer funding options. Farmers seeking capital for expansion, succession planning, productivity improvements, or refinancing have increasingly found themselves outside of bank criteria, despite a clear strategy and sound track record.
After nearly a decade securing more than $10 billion in lending for clients, NZAB recognised that advisory alone could not fully solve the structural capital gap. NZAB Capital was established as a platform to bring different lending capability and structures to into the rural economy and provide practical, short-to-medium-term lending solutions designed around farm strategy.
