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We're lenders, but not like you're used to.

Smart funding for your opportunity
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The MERX Advantage

Have you had enough of cookie-cutter assessments? If you have a sound plan, but need smart purpose-fit funding to make it happen, talk to us today! Get the help you need from experienced experts in business and property finance.

SAFE & SECURE

Secure the total funding required for your project and draw down in stages when you need to

FAST APPROVAL

We’ll let you know fast – typically within three working days from application. Complex applications may take longer.

TAILORED RATES

Interest rates and structure tailored to your requirements. Adjustable terms and principle repayment options.

FLEXIBLE TERMS

Terms from three to thirty six months (longer terms available on consideration)

Do you require property or business finance without complicated red-tape and unnecessary delays? Contact one of our Merx experts for a complimentary consultation.
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How it Works

STEP ONE

Apply Online

Complete our quick and easy online application with your details and submit it—no hassle, no paperwork.

STEP TWO

Fast Approval

We’ll review your application—often on the same day—and let you know once everything is good to go.

STEP THREE

Access Your Funds

Once approved, your loan will be ready for you to draw down whenever you need it.

Tailored Loans to Suit Your Needs

We believe no one loan suits them all, we will tailor to your specific needs and requirements and help you get started on your venture as quick and stress free as possible.

Property finance for the finish line.

Top-up finance for property development can be hard to secure through the banks – unless you’re one of the “big-guys”. Not at Merx. We work with property investors and developers who have a sound project that needs well-structured funding to cross the finish line.
  • Redevelopment projects
  • Refurbishment / renovation projects
  • New developments
  • Bridging finance for a completed project

Business finance that moves you forward.

There are countless Kiwi businesses who have solid plans for growth, but lack the capital to make it happen. We’re experts in spotting good business sense, and help our clients with fast funding to make growth opportunities a reality. If you have plans for growth, talk to a decision maker today
  • New product or service
  • New market expansion
  • Expanding the team
  • Business growth & restructure
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WE UNDERSTAND BUSINESS

Do you have plans to grow your business but lack the capital to make it happen? Find out if Merx can help.

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VIP PROPERTY FINANCE

If you have a property project on your books that needs the financial legs to reach the finish line, talk to Merx.

Answers to Common FAQs

Merx provides tailored financing solutions for property and business investments, including redevelopment projects, new developments, and business growth initiatives.

Eligibility is determined by evaluating factors such as income or potential income from the investment, a sound business plan, credit history, and available collateral.

Yes, Merx ensures that loans are secured by taking security over business or property assets, providing options to recover the investment if necessary.
The process involves completing an online application, followed by a review. Merx aims to provide feedback, often within the same day, and once approved, funds are available for drawdown.
Merx offers flexible terms ranging from three to thirty-six months (longer terms considered), with interest rates and structures tailored to individual requirements, including adjustable terms and principal repayment options.
Merx invests in loans secured by local business and property assets, balancing risk and liquidity to create opportunities for strong investor returns.
Investors can opt to regularly withdraw reinvested returns with no exit fee and can redeem units without an exit fee, provided six months’ notice is given.
Yes, Merx management personally invests alongside investor partners, aligning interests and demonstrating commitment to shared success.

No, the Merx Wholesale 1 PIE Trust does not lend money to Merx management or any other related parties, ensuring transparency and integrity in investments.
Investment in the Merx Wholesale 1 PIE Trust is open only to wholesale investors as defined by the Financial Markets Conduct Act 2013.

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