When businesses are under pressure, they often take the first finance option they can find. Not because it's the best option — but because they're stressed, they're running out of time, and they don't know what else is available.
That's the problem Fundme was built to solve. New Zealand has thousands of small and medium businesses that are the backbone of our economy. They deserve access to the same quality of financing advice and lender access that larger companies take for granted.
Why We Exist
A business in distress doesn't have time to shop around. So they take the deal in front of them — often from a vendor financier, a high-rate provider, or a product that isn't right for their situation. Months later, the repayments are choking the very cashflow the loan was meant to fix.
Fundme was founded on the belief that better information, broader lender access, and honest advice at the point of need can change that outcome. We work for the borrower — not the lender.
First available lender. High rate. Wrong term. Product doesn't fit. Cashflow worsens. Business stressed.
Right lender. Competitive rate. Term matched to cashflow. Business stabilises and grows.
How We Work
We are a broker — we work for the person borrowing the money, not the lender providing it. We match clients to the lending option that best suits their situation — not the one that pays us the most.
If a deal isn't viable, we'll say so. If a client's expectations aren't realistic, we'll address it directly. There's more long-term value in an honest conversation than a deal that falls apart at settlement.
Most SMEs don't have a finance team. We translate the complexity of commercial lending into plain language, manage the process end-to-end, and make funding accessible to businesses that deserve it.
Why SMEs Matter
We genuinely believe in what New Zealand's small and medium businesses contribute — to employment, to communities, to regional economies, and to the fabric of how this country works. That belief is why Fundme exists.
Access to the right finance at the right time is one of the most powerful levers available to a growing business. It's also one of the least well understood. Closing that gap is what we do every day.
Most businesses in distress don't need saving — they need breathing room. The right finance at the right moment is often the difference between a business that survives and grows, and one that doesn't make it through the quarter.
Licencing & Compliance
We operate under New Zealand's financial services regulatory framework. You have legal rights and protections when you deal with us — and we take that seriously.
Fundme holds a Class 3 Financial Advice Provider licence issued by the Financial Markets Authority of New Zealand.
Fundme is a member of the Financial Services Complaints Ltd (FSCL) — an approved dispute resolution scheme. If we can't resolve a complaint directly, you have access to FSCL's independent process at no cost to you.
Fundme Limited is incorporated and registered in New Zealand. We are fully transparent about who we are, how we make money, and what we can and cannot do for you.
Disclosure: Fundme is a commercial finance brokerage, not a lender. We arrange access to lending options through a panel of specialist lenders based on your needs and circumstances — we do not provide financial advice. We receive brokerage commissions from lenders when deals settle. Full details are in our Disclosure Statement.
Check eligibility in under 2 minutes. No credit check. No commitment. Just an honest conversation.