Secure Property-Backed Investments. Better Returns up to 8%, paid monthly
LendCap (trading name of Crowdsphere Limited, FSP number FSP360186) is a New Zealand-based peer-to-peer lending platform connecting investors with carefully vetted, property-backed lending opportunities.
NZ Based
FSP Registered (FSP30186)
Property Backed
Vetted Opportunities
How LendCap Works
Register for free
Create your profile in minutes.
2. Receive opportunities
Get vetted deals sent to you.
3. Choose to invest
Only invest if it suits you.
Why Investors Choose LendCap
- Property-backed security
- You stay in control
- No idle cash required
- Higher return potential
- Curated opportunities
- Simple and transparent
Better Returns
Up to
8%
Paid monthly
No Upfront Commitment
You are not required to deposit funds when you register.
You will only provide funds if you choose to participate in specific opportunity.
This gives you full control.
Is This Right for You?
- You have cash earning low returns
- You want property-backed opportunities
- You prefer control over your investments
- You are looking for better returns than the bank
Earn Higher Returns from Property-Backed Lending Without Locking Your Money Away
- No upfront funding required
- No obligation to invest
- Property-backed lending
- Up to 6% retail / 8% wholesale
Takes less than 2 minutes
The LendCap platform is run by experts at Armillary Private Capital, a trusted investment bank and advisory firm in New Zealand with over 30 years’ experience in the NZ financial markets.
NZ-Based & Locally Managed
Secured Property-Backed Lending
Transparent Risk Assessment
Competitive Interest Returns
A Smarter Way to Lend & Invest
For Investors
Grow your wealth by investing in carefully selected, property-backed lending opportunities. LendCap connects investors with borrowers seeking funding, offering the potential for attractive returns that may outperform traditional savings accounts. Our platform provides transparency, structured deals, and a simple way to diversify your investment portfolio.
For Lender
Access flexible funding solutions tailored to your business or property needs. Through LendCap, borrowers can connect directly with investors and secure financing efficiently without the complexities of traditional lending. Our streamlined process helps you obtain the capital you need to move forward with confidence.
Recent Deals Funded Through LendCap
LendCap connects investors with carefully structured lending opportunities secured by real assets. Below are examples of recent deals successfully funded through our platform.
Second Mortgage – Property Secured
- Security: Second mortgage behind a prime bank lender
- Loan-to-Value Ratio (LVR): 70%
- Loan Term: 12 months
- Investor Return: 8% per annum
Asset Finance – Vehicle Purchase
- Asset: Dodge Challenger
- Security: Property secured
- LVR: 9.3%
- Loan Term: 12 months
- Interest Structure: Capitalised (prepaid) interest
- Investor Return: 8% per annum
Property Refinance
- Location: Rural property
- LVR: 35%
- Repayment Type: Principal & Interest funding
- Loan Term: 2 years
- Investor Return: 7.5% per annum
Property Development Funding
- Purpose: Turnkey funding for a property developer
- Loan Term: 12 months
- LVR: 70%
- Investor Return: 6.99% per annum
Medical Finance – Property Secured
- Purpose: Top-up loan for medical implants
- Security: Property secured
- LVR: 80%
- Loan Term: 24 months
- Investor Return: 5.8% per annum
Simple. Transparent. Secure.
Earn Consistent Returns Backed by Real Property
Unlike traditional savings accounts offering minimal interest, LendCap provides access to secured lending opportunities backed by New Zealand property.
✔ Property-secured investments
✔ Transparent loan structures
✔ Competitive interest rates
✔ Clear risk grading
✔ Regular reporting
Start building stronger returns today.
Flexible Property-Backed Lending Solutions
Need structured funding secured against property? LendCap provides efficient access to capital with transparent terms and responsive decision-making.
✔ Property-backed loans
✔ Competitive rates
✔ Streamlined approval process
✔ Flexible terms
✔ NZ-based decision makers
WHY CHOOSE LENDCAP
Built on Security, Transparency & Performance
At LendCap, every opportunity is assessed with discipline and due diligence. Our platform is designed to protect investors while helping borrowers access responsible funding.
Property Security First
Every lending opportunity is backed by registered property security.
Independent Risk Assessment
All loans are carefully reviewed before listing.
NZ Focused
Locally managed, locally structured, and focused on the New Zealand market.
Aligned Interests
Structured lending that benefits both investors and borrowers.
Responsible Lending & Risk Disclosure
Peer-to-peer lending involves risk. While investments are secured by property, returns are not guaranteed. LendCap operates with transparency and clear disclosure to ensure investors understand every opportunity.
We encourage all users to review our disclosure statements and investment terms before participating.
Ready to Put Your Capital to Work?
Join a growing network of investors and borrowers using LendCap to access smarter, property-backed funding solutions.