Property Development FinanceProperty development finance for land acquisition, construction and multi-unit developments. Funding is structured around feasibility, equity and exit strategy.
Welcome to Vive Capital
We help property developers, business buyers and property traders secure funding for projects, acquisitions and short-term opportunities through our network of banks, non-bank lenders and private funders.
We help you understand what’s possible, work through the key details, and put the right funding in place.
What we do.
We arrange funding for property projects and business purchases. This includes property development finance, business acquisition lending, bridging finance and short-term property lending.
We have a network of banks, non-bank lenders and private funders to find the right fit for each situation.
In many cases, it’s not just about finding a lender.
It comes down to understanding the numbers, how the funding will be structured, and how the loan will be repaid.
For some clients, that’s already clear. For others, it takes a bit more work: refining the feasibility, thinking through the approach and making sure everything is properly set out before approaching lenders.
That’s where we come in.
We work through these details with you, help you understand what lenders will look for - including equity, serviceability and exit. We also help position and package everything in a way that gives it the best chance of being approved.
Brokering services we offer.
Finance to Buy a Business - Business Acquisition LendingBusinsess acquisition lending for buying existing businesses - based on profitability, cashflow and the strength of the deal.
Bridging FinanceShort-term bridging finance used to secure property or business opportunities while longer-term funding is arranged.
Private and Non-bank lendingAccess to non-bank and private lenders outside the main banks. They are suited to situations where the overall position supports the funding, but doesn’t align with standard bank criteria.
Working Capital/ Line of CreditFlexible working capital and business line of credit solutions to manage cash flow, fund growth opportunities or access capital when timing matters.
Short-Term Property LendingFlexible short-term property finance for property trading and renovation projects where speed and flexibility are important.
How we assess opportunities.
Funding decisions are driven by a few key factors:
Equity - how much you are contributing.
The numbers - does the deal stack up.
Exit - how the loan will get repaid back to the lender.
The plan/ overall approach - timeline, costs and clarity of the plan.
Opportunities that get funded have a clear plan, a defined exit and meaningful equity contribution.
If some of this is still being worked through, we can help you get it there before approaching lenders.
Who we work with.
We work with property developers, business buyers and property traders across New Zealand.
Some are experienced, others are doing it for the first time.
Property Developers
Property development finance for land acquisition, construction and multi-unit development.
We work with both experienced and first-time developers.
Whether you already have a clear feasibility or need help working through the numbers, structure and funding approach.
Business Buyers
Business acquisition lending for purchasing existing businesses.
Funding is structured around cashflow, profitability and the ability of the business to support lending.
Property Investors & Traders
Short-term property lending for property investment and trading.
This includes renovations, value-add opportunities and short-term holds where timing and flexibility are important.
Clients using non-bank and private lending.
Funding for deals that don't quite fit a standard bank structure.
These lenders tend to focus more on the overall position - particularly equity, the strength of the deal and how the loan will be repaid.
Why work with us.
We understand how funding decisions are made.
Lenders look closely at the overall position - how it’s structured and how the loan will be repaid.
We work through this with you before approaching lenders, so it stands up properly when it reaches them.
We work across multiple lenders.
We have a wide network of banks, non-bank lenders and private funders.
This allows us to look at different options and find what fits best.
We represent you.
It’s not just about the idea - it’s how it’s put together.
We organise the key information, refine the position where needed, and present it in a way lenders can clearly assess. Each lender has it's own nuances and we know how to package a deal to each lender.
We focus on getting it done.
Once everything is in place, we manage the process through to approval and settlement so you can move forward with certainty.
How the process works.
Securing property development finance, business lending or structured lending can feel complicated. Our role is to make the process clear and easy to understand.
Initial Discussion.
We start with a conversation to understand what you’re working on, your timing and what you’re looking to achieve.
Information Gathering.
We collect the key information lenders require to assess the opportunity.
This may include financial information, project details, feasibility numbers and supporting documents.
Positioning the application.
We organise everything in a way that clearly reflects the situation and makes it easy for lenders to assess.
Presenting the deal properly can make a significant difference to approval.
Idenifying the Right Lenders.
We approach lenders best suited to the opportunity, including banks, non-bank lenders and private funding providers.
Securing Funding.
We manage the process through to approval and settlement, keeping things moving so you can proceed with confidence.