At Merx, we don’t lend just because we can — we back the deals that make sense. If the numbers stack up and the structure works, we move fast and follow through. Simple as that. And when something doesn’t add up, we’ll say so. No runaround, no guesswork — just clear answers and straight-talking funding. See below for a few recent examples where we’ve helped clients unlock capital, secure growth, or get their projects moving.
CLIENT SCENARIO #1
Why did this client need our funding: A business owner in a growth phase needed capital to pursue new contracts and scale up operations. After weathering a challenging couple of years, things were turning around — but his equity was tied up in property, and banks weren’t able to assess his situation holistically. He needed a lender who could take a wider view of both his business and investment assets.
Amount: $225,000
Industry: Construction and investment property
Location: Auckland
LVR: 75%
Type of security: Second mortgage over investment property and general security over business assets.
Path to repayment: Business cash flow from new contracts and ongoing operations.
Why Merx: We looked at the full picture — not just business or property in isolation. Our flexible approach allowed this client to unlock equity and pursue growth, with funding structured around his actual capacity, not just what the tick-box models say.
CLIENT SCENARIO #2
Why did this client need our funding: An experienced business operator had the opportunity to purchase a franchise in a growth region. While they didn’t have direct experience in this specific sector, the franchise offered strong systems, support, and market demand. They needed to release equity from their residential property to fund the acquisition.
Amount: $435,000
Industry: Franchise acquisition
Location: Christchurch
LVR: 75%
Type of security: First mortgage over residential investment property.
Path to repayment: Cash flow from the franchised business, with refinancing expected after 12 months of trading.
Why Merx: We recognised the strength of the opportunity, the track record of the franchisor, and the borrower’s ability to run a successful business. Our funding helped them get established quickly, with a clear exit strategy — transitioning to mainstream bank lending once proven.
CLIENT SCENARIO #3
Why did this client need our funding: A repeat client was ready to move ahead with a small townhouse development after securing consents and a fixed-price build contract. Traditional lenders were not interested due to the project’s modest scale, despite strong fundamentals and clear demand in the area.e summer season.
Amount: $920,000
Industry: Residential development
Location: Waikato
Type of security: Second mortgage behind a main bank, supported by pre-sales and project viability.
Path to repayment: Sale of completed townhouse units.
Why Merx: We specialise in funding smaller, high-potential development projects that are often overlooked. Our pragmatic approach helps experienced developers bring much-needed housing to market, with simple structures and capitalised interest to reduce cost pressures during the build.