Peninsula Credit

A Private Credit Fund by New Zealanders, for New Zealanders.

Peninsula Credit is a New Zealand owned and operated Private Credit Fund, providing direct actively managed secured loans to proven and established corporate New Zealand businesses.

The investment objective of Peninsula Credit is to generate regular distributions of income for its investors, through its diversified portfolio of direct loans to New Zealand business borrowers.

Fund Features

The Peninsula Credit team boasts in excess of 100 years of successful business lending. We are New Zealanders who are  committed to supporting the growth and prosperity of New Zealand business.

Benefits to Investors:

  • Predictable cash returns derived from interest income earned on the portfolio of direct loans.

  • A portfolio of loans diversified by loan size, industry, geography, and borrower.

  • Low correlation to public markets (listed equities, bonds), offering diversification to investors.

  • Attractive risk-adjusted returns, cash paid on a quarterly basis.

  • The opportunity to directly support proven and successful New Zealand businesses.

Benefits to Borrowers:

  • Flexible and tailored loans at competitive borrowing rates.

  • A focus on forward looking cash flows, business objectives and a funding solution to support business plans.

  • Access to debt capital to support growth, mergers and acquisition, capital investment, refinance of existing debt.

  • A stable and invested lending team that supports and works with business owners.

  • We are New Zealand owned and operated with a commitment to supporting the success of New Zealand business.

Investment Process

Peninsula Credit actively seeks direct loan opportunities through our established New Zealand network of business owners and professional advisors. We adopt a prudent investment approach, focusing on robust risk assessment and the construction of a diverse loan portfolio.

Our loan origination and management processes are governed by key principles:

  • Development of a diverse loan portfolio by applying maximum industry sector and loan amount limits at the borrower and portfolio level.

  • A focus on established and proven operating businesses (excluding exposure to property development, early-stage businesses, venture capital or start-up business).

  • Understand and consider the individual attributes of each borrower and structure each loan accordingly. 

  • Ensure investor capital remains highly protected through loan structure and preferred security interests over business and borrower assets.

  • Application of appropriate financial and reporting covenants to permit active and hands-on management of each loan.

All prospective loans are subject to the vigorous credit and risk management policy framework of Peninsula Credit.  All direct lending opportunities are subject to Investment Committee approval, who together bring extensive and relevant New Zealand financial service sector experience.

Important Information:

Peninsula Credit Limited is registered on the FSPR (FSP1006104). Information contained on this website as well as the services and materials contained or described herein is only appropriate for viewing by Wholesale Investors. Please see the definition of a Wholesale Investor under clause 3(2) and (3) of Schedule 1 of the Financial Markets Conduct Act 2013 (“FMCA”).

Disclaimer:

The material on this website has been prepared for informational purposes only without consideration of investment objectives, financial situation, or means, and we are not soliciting any action based upon it. This material is not to be construed as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument.