Interest paid monthly
Secure a steady income with our high-interest investment opportunities. Enjoy 10-15% interest paid directly to you every month.
3 to 6 month investments
Our loans range from 3 to 6 months, giving you the flexibility to invest short-term, or re-invest to compound your returns.
Small investment amounts
Invest in manageable amounts. Our loan sizes range from $100k to $150k, making it easy to diversify your investment portfolio.
How we protect your investment
01
Secured by mortgage over property
Our loan agreements place a mortgage (typically second position) over NZ property owned by the borrowers or guarantor. Flexy may also register mortgages on any other property controlled by the borrower in the event of non-repayment, providing an additional layer of protection for our investors.
02
GSA and guarantees
Flexy takes a General Security Agreement (GSA) on the borrower and guarantee from the individuals, further securing our position in the event of non-repayment. In some cases, we may also take GSA’s on their related companies that hold assets.
03
Sensible loan-to-value ratio
We cap our loans at 83% of the borrowers security value, ensuring sufficient collateral and lowering the risk of capital loss. By contrast, banks typically lend up to 80-90% on owner- occupied properties.
04
Loan diversification
We typically limit our loans per property to $150,000, spreading risk across various assets for better portfolio diversification. We prefer many smaller sized loans to single larger loans.
05
Borrower evaluation and repayment plan
We assess each borrower’s strategy to confirm a solid repayment plan, reducing the risk of default and strengthening our investments’ security. Our GST Facility repayment strategy utilises borrower GST returns, offering a reliable loan repayment strategy and decreasing default risk.
Flexy's recovery fund
Flexy has pledged $100,000 of its own funds into our first loss provision, serving as a safety net in case of loan default. This provision allows us to cover initial losses with our own funds, safeguarding investors’ principal investments. While we prioritise protecting our investors, the availability of the provision is contingent upon its current allocation and is not guaranteed if already allocated elsewhere.
Flexy has never lost any 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.
Interest:
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.
Interest:
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.
Interest:
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.
Interest:
15% interest paid monthly
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.
Interest:
15% interest paid monthly
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.
How to invest with Flexy
01
Sign Up and AML Verification
Complete an investor application form, a legal requirement for Flexy to work with you. This registration does not commit you to invest.
Our compliance partners at AMLHub will verify your AML profile with Flexy at no cost to you.
02
Review investments
Receive investment options via email, including loan terms (but not details which would identify the borrower) and the suburb of the property.
Confirm your investment by completing the investment agreement for the loan.
03
Deposit and earn returns
Deposit funds into Flexy’s holding account 2 days prior to the loan advance.
Relax as Flexy manages the investment, including loan disbursement, monitoring, and repayment, while you receive great returns.
About Flexy
Built to ensure property traders, investors, and developers have flexible and smart lending solutions.
Flexy is founded by Callum McKenzie, a seasoned finance professional with extensive experience in property projects, including renovations, re-clads, major building works, and townhouse subdivisions.
Before founding Flexy, Callum raised private finance for his projects and engaged in vendor financing, recognising the need for flexible finance options. His hands-on approach and keen market insight enable him to assess loan applications effectively, ensuring prudent and secure lending decisions. At Flexy, we are committed to providing the same successful finance solutions to a wider audience of investors.
Callum McKenzie
Director
Bachelor of Business Studies, double major in Finance and Marketing.
What our clients
say about us
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Payton Hillman
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Max Johnson
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Who we help
Property investors
Property traders
Small businesses
Businesses in tax arrears
