Interest paid monthly
Returns are typically in the range of 9% to 13% per annum, depending on the loan and risk profile. Interest is paid to you monthly, less tax.
3 to 12 month investments
Your investment is committed for the term of the loan, usually 3 to 12 months. Your principal is repaid in full when the borrower repays the loan.
Small investment amounts
Flexy investments are typically between $25,000 and $150,000. You can review and select opportunities as they become available, making it easy to diversify across different borrowers and properties.
How we protect your investment
01
Secured by New Zealand property
Every loan is secured against New Zealand property. Security is typically a second mortgage or agreement to mortgage registered by caveat. In some cases, additional related property security is taken where appropriate.
02
GSA and guarantees
Flexy takes personal guarantees from directors or trustees and General Security Agreements over borrowing entities. In some cases, GSAs are also taken personally and over related entities that hold assets.
03
Sensible lending limits
Loans are structured with a maximum combined loan-to-value ratio of up to 83% of estimated market property value. This provides a buffer against market movements and protects downside risk.
04
Loan size diversification
Flexy prefers multiple smaller loans rather than concentration into a single large exposure. Typical loan sizes range from $25,000 to $150,000 per borrower.
05
Clear repayment strategy
Every loan must have a defined and realistic exit. This may include a property sale, bank refinance, GST refund, or sighted business cashflow. Loans without a clear exit are declined.
Flexy's first loss provision
Flexy has committed $100,000 of its own capital as a first-loss reserve. This reserve is designed to absorb losses before investor capital is impacted, provided the reserve has not already been allocated elsewhere.
This provision is not a guarantee, but it reflects that Flexy has its own capital at risk alongside investors.
To date, Flexy has not experienced any loss of investor principal.
Recent investment opportunities
Loan purpose
Cash Flow to Meet IRD Tax Arrears Payments.
A construction company had negotiated a payment plan with IRD for outstanding tax, requiring a partial up-front payment followed by monthly repayments. While they had a confirmed pipeline of upcoming projects, income from these jobs wouldn’t arrive in time to meet the IRD deadline. To avoid the risk of liquidation, they secured a second mortgage on the shareholders home, providing cash to make the initial IRD payment and keep the business running.
Amount
$50,000
Loan term
6 months
Repayment plan
A near-complete project will provide enough cash to repay their short-term equity release.
Loan purpose
Relocating a House to Unlock Value.
A client owns a property with a bank mortgage but needed funding to relocate a second house onto the section. They already had land use consent, so Flexy provided funding to complete the physical house move. The client then obtained CCC, allowing the bank to see the property as multi-dwelling.
Amount
$76,000
Loan term
3 months
Repayment plan
Once CCC was complete, the bank accepted their 'as-if complete' valuation and refinanced their short-term project debt at a low bank rate.
Loan purpose
Building Materials for a Townhouse Development
A building company locked in a great townhouse project but needed funds upfront to secure materials. Our loan gave them the cash flow they needed to keep the build on schedule, ensuring materials were ordered and work continued without delays.
Amount
$110,000
Loan term
6 months
Repayment plan
The building contract allows monthly milestone payment claims. The loan will be repaid over the 6 month term from business cash-flow, without any early repayment penalties.
Loan purpose
Bridging Between Settlements.
A client had sold a property but was waiting on settlement funds. They found their next deal at auction but needed fast cash for the deposit. Flexy provided a short-term loan secured against their equity, allowing them to bid and secure their next property without missing the opportunity.
Amount
$46,000
Loan term
3 months
Repayment plan
Once their pre-sold property settles, the funds from the sale will be used to repay Flexy.
Loan purpose
Funds to Renovate a Property
A borrower purchased a trade property at a mortgagee sale but needed funds to start renovations. They had already sold another trade property, but the settlement was still pending. Flexy provided an equity release loan, allowing them to begin renovations immediately.
Amount
$31,980
Loan term
3 months
Repayment plan
The borrower has sold another property with 2 months until settlement, with enough funds to repay Flexy's equity release.
Loan purpose
Cash Flow to Meet IRD Tax Arrears Payments.
A construction company had negotiated a payment plan with IRD for outstanding tax, requiring a partial up-front payment followed by monthly repayments. While they had a confirmed pipeline of upcoming projects, income from these jobs wouldn’t arrive in time to meet the IRD deadline. To avoid the risk of liquidation, they secured a second mortgage on the shareholders home, providing cash to make the initial IRD payment and keep the business running.
Loan purpose
Relocating a House to Unlock Value.
A client owns a property with a bank mortgage but needed funding to relocate a second house onto the section. They already had land use consent, so Flexy provided funding to complete the physical house move. The client then obtained CCC, allowing the bank to see the property as multi-dwelling.
Loan purpose
Building Materials for a Townhouse Development
A building company locked in a great townhouse project but needed funds upfront to secure materials. Our loan gave them the cash flow they needed to keep the build on schedule, ensuring materials were ordered and work continued without delays.
Loan purpose
Bridging Between Settlements.
A client had sold a property but was waiting on settlement funds. They found their next deal at auction but needed fast cash for the deposit. Flexy provided a short-term loan secured against their equity, allowing them to bid and secure their next property without missing the opportunity.
Loan purpose
Funds to Renovate a Property
A borrower purchased a trade property at a mortgagee sale but needed funds to start renovations. They had already sold another trade property, but the settlement was still pending. Flexy provided an equity release loan, allowing them to begin renovations immediately.
01
Business and tax shortfalls
Short-term loans to businesses needing urgent cashflow, including clearing IRD arrears or meeting agreed payment plans. These loans are typically secured by a second mortgage over residential or investment property, with repayment from business cashflow or project completion.
02
Property renovation and value-add projects
Funding to complete renovations, relocations, or compliance works where value is unlocked on completion. Repayment usually occurs via bank refinance once works are complete or the property is sold.
03
Bridging between property settlements
Equity release loans for investors who have sold a property but are waiting for settlement, or who need short-term funds to secure their next purchase. These loans are repaid in full from confirmed sale proceeds.
04
Purchase top-ups and deposit shortfalls
Short-term funding to bridge the gap between a bank loan and the total funds required to settle a purchase. Repayment is typically via refinance or sale within a defined timeframe.
Types of deals we have funded
Flexy funds property-backed loans with clear exits. Below are examples of deal types we regularly fund. These are illustrative only and not current offers.
How to invest with Flexy
01
Onboarding and AML
Complete an investor registration form and wholesale investor certificate. Once registered, our team will verify your AML. Registration does not commit you to invest.
02
Review opportunities
Handpick your investment opportunities which are sent directly by email. Each opportunity outlines loan amount, term, interest rate, security type, LVR, purpose of funds, and repayment strategy.
03
Investment and receive returns
Once you choose an opportunity, you invest directly into that specific loan. Interest is paid monthly for the life of the loan, and your principal is returned when the borrower repays.
About Flexy
Flexy provides short-term, property-backed lending to property traders, investors, and business owners who require fast, flexible finance without refinancing their main bank loan.
Directed by Callum McKenzie, a property investor and finance professional with first-hand experience across renovations, reclads, developments, and trading projects. Having raised private finance for his own projects, Callum built Flexy to provide practical funding solutions for real world property deals and small business.
Callum McKenzie
Director
Bachelor of Business Studies, double major in Finance and Marketing.
What our clients
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