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Abstract logo design with Pearlfisher branding

Borrowers & Brokers

Pearlfisher Capital is a private non-bank lender providing secured debt facilities across all New Zealand property asset classes.

We are experienced in creating tailored solutions to complex transactions. Having multiple capital sources means we don’t need to adhere to prescribed lending criteria. We assess each opportunity using our experience and deep market relationships.

We are proudly New Zealand-owned and operated and can deliver on challenging timeframes without drawn-out credit processes, meaning you can get on with your project and achieve your goals quicker.

Multiple capital sources and tailored, flexible solutions

Pearlfisher provides property funding across the capital stack with a track record of delivering successful financial outcomes for its clients and broker partners.

Pearlfisher values strong partnerships based on open and transparent communication to help clients achieve their property goals.  

Your preferred finance partner

    • First mortgage facilities

    • Mezzanine facilities

    • Short-term and bridging finance

    • Equity releases

    • Preferred equity

    • Joint ventures

    • Underwrites

    • Debt acquisitions

    • Bank and large non-bank debt arrangement

Full spectrum principal finance partner services

Our Services

We recognise the critical role brokers play in the property finance sector and we enjoy strong market-wide relationships with the broker network.

We ensure broker fees are paid directly to the broker from initial drawdown on terms agreed with the borrower.

We are always available at the early stage of a transaction for a confidential discussion to brainstorm potential funding solutions for your clients. We pride ourselves on giving clear, concise feedback. If we can’t help we will refer you to someone who might be able to.

Broker partnerships

    • We move quickly to assess applications with initial feedback provided within 24 hours and indicative terms typically issued within 48 hours (or sooner). 

    • We have a simple New Zealand-based credit process and can ensure we meet your timeframes.

  • We don’t have set pricing parameters or lending criteria – we price and structure transactions based on risk and on a deal-by-deal basis. 

    • Interest: capitalised, paid or part-paid interest.

    • Indicative Loan Size: $3m - $25m.

    • Term: typically 12-24 months (other terms will be considered).

    • Pre-Sales: flexible pre-sale requirements.

  • Our multiple capital sources are New Zealand-based. We understand that timely drawdowns are critical to a project’s success and we ensure that you can meet your obligations to contractors and consultants promptly. We aim to have all drawdowns completed within 48 hours of receiving the necessary information.

  • Extensive expertise in development funding.

    • A strong network of relationships with property and construction professionals.

Why work with us?

Proven Track Record

Take a look at some of our recent transactions 

Over $1.75 billion funded to date 

Over $1.75 billion

funded to date 

> $3.0 million minimum - < $25.0 million

maximum facility size

Target loan size:

> $3.0m minimum

- < $25.0m

Large Debt Arrangement
> $25m - < $150m

Large debt

arrangement  > $25m

(bank or non-bank)

Prime Locations

Pearlfisher targets transactions where the prime security is located in main centres including Auckland, Hamilton, Tauranga, Wellington, Christchurch and Queenstown, although some opportunities may be considered outside these locations on a selective basis.

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