Business Finance Solutions

Flexible business loan options for New Zealand companies

PCG provide non-bank finance solutions to support your business growth, tailored to your specific financial needs. 

Why choose PCG for your business lending

Greater Structural Flexibility

Our business lending clients have access to alternative loan structures including non-amortising, bullet structures. As a non bank lender, we can provide more structural flexibility (security requirements, covenants, headroom, dividends, etc).

One-Stop Business Finance Solution

Access to debt across the capital structure via senior, second lien, unitranche, and mezzanine.

Competitive Commercial Loan Pricing

Capacity and expertise to price deals appropriate to the level of credit risk in each transaction.

Fast Lending Decisions

We act on borrower requests quickly. All commercial credit decisions are made locally by an experienced Investment Committee with a proven long term track record in funds management.

Commercial Lending Focus

Private Equity Acquisitions: Optimise equity contribution and enable more flexible structures.

Business Acquisition Finance: Enable growth of private companies on a fully debt-funded basis.

Business Expansion Capital: Enable growth opportunities funded by debt without the need for equity dilution.

Consolidation of Shareholder Base: Enable buy-out of (minority) shareholders.

Special Dividend to Shareholders: Enable cash returns to shareholders.

Raising Junior HoldCo debt: Increase leverage for acquisitions / dividends.

Mezzanine Debt Financing

We build long-term relationships, listening to what you need and designing a business loan that works for you

Capital reforms imposed by banking regulators have become increasingly stringent. RBNZ is at the forefront of these reforms – and this has a tangible impact on the NZ business financing market.

Private Capital Group assists New Zealand businesses using committed capital to fill the gaps in the banking market’s lending capacity. We provide debt and capital finance solutions tailored to meet the requirements of your business. 


Our capital, network and breadth of experience ensure a focused, deliverable and credible alternative to traditional bank debt. We provide business lending in various forms to suit your requirements. 

Working together to create innovative business lending solutions

By working independently or alongside your bank, our team originates, structures and delivers funding for your business. Our capital comes from long term investors who invest in a collection of funds which we manage and extend to NZ businesses like yours.


As a non-bank and private business lender, Private Capital Group are able to offer independent and alternative solutions to your debt, financing and capital needs. 

  • We build a deep relationship: to understand your business, your requirements, and work with you to design the most suitable lending solutions.
  • We deliver tailored lending: to provide term finance and accommodate your specific business needs. 

We’re visible, engaged and transparent

We spend time face to face with you to get an understanding of both your business and your requirements, and are committed to finance and support you throughout the different phases of your business’ life cycle. This approach helps us to ensure the financing options we present are relevant, optimised and appropriate. 

We’re aligned with you to find the best business solutions

We work in partnership with you to find the most suitable solutions for your business loan requirements. Our experience and knowledge enables us to present the most suitable commercial finance options, now and in the future.