Fundme Limited is a commercial finance brokerage licensed by the Financial Markets Authority of New Zealand. We are a broker, not a lender. We do not provide funds directly.
Our service is to identify and arrange access to lending options suited to a customer's stated needs and circumstances, by matching customers with lenders from our panel. We act as an intermediary between borrowers and lenders. We present available lending options based on what the customer tells us they need — the customer makes their own decision about whether to proceed with any lending option presented.
Fundme holds a Class 3 Financial Advice Provider licence (FSP1005055). This licence covers our regulated activity as a financial service provider. While we hold this licence, our service is the arrangement of access to lending options — we do not provide personalised financial advice.
What we do not do: We do not provide financial advice in relation to investments, KiwiSaver, insurance (except as noted below), or any financial product other than credit. We do not provide legal advice. Customers are strongly recommended to seek independent legal and financial advice before entering any credit contract.
We arrange the following commercial lending products:
Consumer and personal lending applications are processed through the Nobilo Finance platform (Nobilo Finance Limited). By engaging with us for personal or consumer lending, your application will be referred to and processed by Nobilo Finance Limited. Consumer lending is regulated under the Credit Contracts and Consumer Finance Act 2003 (CCCFA).
Where relevant to a lending transaction, we may refer clients to providers of ancillary insurance products including:
Insurance products are provided by third-party insurers including Autosure, Assurance, and Janssen. We are not a registered insurer. Insurance referrals are subject to separate terms and conditions provided by the relevant insurer.
Fundme arranges lending through a panel of specialist lenders and credit providers. The following lenders form our current panel. This list may be updated from time to time.
Consumer and personal loan applications are referred to Nobilo Finance Limited for processing via the Penny platform.
We will only share your information with a lender with your explicit consent. The fact that a lender appears on our panel does not mean we will recommend them in any specific situation — our recommendation is always based on your individual circumstances.
Fundme receives brokerage commissions on settled deals. Commissions are either added to the loan amount or paid in cash by the customer or the lender, depending on the product and lender arrangement. We may also receive interest commissions on some products.
Our priority is always to present the lending option that best suits the customer's needs — not to maximise our commission income. We will disclose the specific commission arrangement applicable to your deal on request.
Where a client is referred to us by a third party, that introducer may receive a referral fee paid from our commission. This does not increase your cost. You may ask whether a referral fee applies to your introduction at any time.
Where we refer a client to an insurance product provider, we may receive a referral fee or commission from the insurer. This will be disclosed at the time of any insurance referral.
As a broker who receives commissions from lenders, there is a potential conflict of interest between our financial incentive and our commitment to presenting the most suitable lending options to customers.
We manage this by:
If you believe a conflict of interest has affected the lending options presented to you, please contact us. You may also raise the matter with FSCL (see Section 8).
As a licensed financial service provider under the Financial Markets Conduct Act 2013, Fundme is subject to the following obligations:
These obligations are in addition to our general commercial commitment to present lending options that genuinely suit the customer's stated needs. This disclosure statement will be reviewed by legal counsel prior to the commencement of operations and updated accordingly.
If you have a complaint about the financial advice or service provided by Fundme, we encourage you to contact us in the first instance. We are committed to resolving complaints promptly and fairly.
If we are unable to resolve your complaint to your satisfaction, or if 40 working days have passed without resolution, you may escalate to our approved dispute resolution scheme:
FSCL is an independent dispute resolution scheme approved by the Minister of Consumer Affairs. Their service is free to consumers and small businesses.
See our full complaints process for more information.
This disclosure statement was prepared in accordance with the requirements of the Financial Markets Conduct Act 2013 and the Financial Advice Provider (Disclosure) Regulations 2020. It is subject to update from time to time. The current version is always available on our website at fundme.nz/disclosure-statement.