A Smarter Way to Grow Your Capital. Lend and get up to 8% return on opportunities you select
Traditional savings accounts offer limited returns. LendCap provides access to secured lending opportunities backed by registered property security — giving investors the opportunity to earn consistent, competitive income.
✔ Property-secured investments
✔ Structured loan terms
✔ Transparent risk grading
✔ NZ-focused lending
✔ Clear reporting & updates
How Lendcap Investing Works
Step 1
Register and complete our verification process.
Step 2
Review available property-backed loans, including loan details, risk grade, security position, and projected returns.
Step 3
Select your preferred opportunities and begin earning returns based on agreed loan terms.
Step 4
Earn interest income through scheduled repayments.
Security & Risk Management
Property-Backed First Mortgage Lending
At LendCap, capital preservation is a priority.
Each listed opportunity is:
- Secured against New Zealand property
• Independently assessed
• Structured with defined loan-to-value ratios (LVR)
• Reviewed before being made available to investors
While peer-to-peer lending involves risk, structured security and due diligence are core to our approach.
Returns & Performance
Competitive Returns Designed for Stability
LendCap aims to provide investors with returns that exceed traditional bank term deposits, while maintaining structured risk controls.
Projected returns vary depending on:
- Loan term
- Security position
- Borrower profile
- Risk grading
Investors can review full details before committing capital each offer will include your return, so you can decide if you progress with that offer at your option. Typical returns are up to 6% for retail investors, increasing to 8% for larger lenders and wholesale investors.
Who Can lend
Lendor Eligibility
To lend with LendCap, you must:
- Be a New Zealand resident or eligible investor
- Meet regulatory requirements
- Complete identity verification
- Accept platform terms and risk disclosures
Our onboarding process ensures compliance and transparency.
Fees and Transparency
LendCap operates with transparent fee disclosure.
Any platform fees, servicing fees, or performance fees (if applicable) are clearly outlined before investment confirmation.
No hidden charges. No unclear structures.
Responsible Lending
Important Risk Disclosure
All lending carry risk, including potential loss of capital and delayed repayments. While loans are secured against property, returns are not guaranteed.
Investors should carefully review:
- Product Disclosure Statement (PDS)
We recommend seeking independent financial advice before lending.
Ready to Start Earning Smarter Returns?
Join a growing network of lendors accessing property-backed lending opportunities across New Zealand.