Commercial Factors online investment platform unites New Zealanders wishing to invest their savings and New Zealand businesses seeking working capital funding in a way that all New Zealanders benefit.
Investors earn great and guaranteed returns without compromising regular access to their savings. Businesses access funding at lower interest rates. Commercial Factors achieves this by embracing proven technology and innovative legislative reforms allowing it to streamline its operations. Please compare our investment rates with the major trading banks
Commercial Factors outperforms those previously perceived as the best practice providers of business working capital. Please compare our interest rates with the major trading banks.
Commercial Factors and its authorised bodies are seeking a P2P funding licence from the Financial Markets Authority (FMA) and will operate under the Financial Markets Conduct Act 2013 and the watchful eye of the FMA.
Licence number XX123456-7-890
Promise to investors and points of note
Commercial Factors will provide a stable, secured and guaranteed investment with above market returns. An investment where the term is matched by the term of the funds employed. An investment that allows the general public and wholesale investors to support local businesses. An investment that overcomes the perceived risk of direct investment in local businesses.
We will provide clear and transparent information enabling the comparison between interest rates and the risk of Commercial Factors promissory notes and alternative, comparable investments offered by the major trading banks.
Key Points for Investors
- Secured and guaranteed investment.
- No fees are payable.
- View “Investment Security” to compare Commercial Factors offerings with other short term investment opportunities.
- View “Compare interest rates” to compare Commercial Factors rates with other providers' rates.
- Access to funds quarterly without interest rate compromise. Investments are based on a 90 day cycle or a multiple thereof.
- You can confidentially assist your local businesses. This assumes that Commercial Factors has borrowers in your local area.
- Retain benefits including jobs and growth in New Zealand.
- Your privacy is maintained by Commercial Factors at all times.
- For more information
Promise to borrowers and points of note.
As working capital specialists we aim to maximise our clients’ working capital. We aim to promote profitable growth, sustainability and employment opportunities.
When clients have business funding derived from mortgaged property we can unbundle the security offered to unable funding on both property and business assets. This is due to our relationship with a well-respected trading bank which normally allows for significantly lower interest rate on clients total borrowings. This results in clients’ resources being better utilised leading to greater business funding, development and growth.
Key Points for Business Borrowers
- Lower interest rates charged on funds borrowed.
- An increase in the amount that is able to be borrowed.
- Access to a working capital funding with or without property as security.
- Our solutions don't need to interfere with your none business relationships
- Business assets are used to secure working capital funding.
- Equity in property can be combined with business assets for a greater level of borrowing.
- The level of funding grows automatically as the business grows.
- Enhanced protection against bad debts and insolvent/voidable transactions.
- Potential for supplier discounts for prompt payment or pre-payment of accounts.
- Debtor management is optional and provided where arranged allowing for your time to be more productively utilised.
- View “Understanding Business Funding” to see why Commercial Factors is changing the way working capital funding is accessed.
- For more information