Transforming Property Development Finance
ABOUT US
Vincent Capital is a leading New Zealand non-bank lender.
With offices in Auckland and Christchurch, we provide nationwide lending solutions for builders and developers working on residential, commercial, and mixed-use projects. Our clients operate across the country — from large-scale townhouse developments in the North Island to multi-lot subdivisions and intensification projects in the South Island.
What sets Vincent Capital apart is our fintech-first approach. We’ve invested in smart systems that simplify the borrowing process, enabling faster credit decisions, transparent communication, and seamless drawdown management. We combine technology with hands-on service and deep property expertise to ensure every project moves forward with confidence.
If you’re building in Auckland, Wellington, Queenstown or anywhere in between, Vincent Capital gives you the certainty, agility and capital to make it happen — without pre-sales, delays or unnecessary red tape.
Smart capital. Built for developers. Backed by technology.
Strong Financial Backing
The majority of Vincent Capital’s funding comes via its shareholders. We have lent over $3.2 billion in property development and bridging loans since 2017.
Professional & Transparent
We are experts in property and finance, providing professional services throughout the lending cycle – from loan application to repayment.
Security Measures You Can Trust
Confidentiality is essential for you and us. Your information is stored securely following industry best practices and standards and your identity remains private as set out in our Privacy Policy.
Fast, Fair & Flexible
We provide quick loan application responses to assist our clients with effective decision-making. Our lending rates are specific to each deal and we are more than competitive when compared with other lenders in our sector. From $300,000 single-residential construction loans to $100 million projects, we support a wide range of property activities with flexible terms.
LOAN TYPES
What We Lend On
We offer fast, flexible funding from $300,000 to $100 million, with facilities for land acquisition, bridging, development, and construction. Whether you’re early in the planning phase or halfway through a build, we tailor solutions that fit your timeline and your goals — not rigid bank criteria.
We help funding for the following projects:
Development
Finance
We Provide fast, Flexible property development finance to profitable entrepreneurs. Often without requiring pre-sales
We Fund:
Development
Construction
Land purchase as part of development funding only
Earthworks & Civil
Major renovations
Bridging
Loans
Get bridging finance to meet your project milestones and increase leverage rations when growing you portfolio size. Flexible terms and quick turnaround times.
We Fund:
Development bridging
Settlement bridging
Investment property bridging
Short term development land banking
Short term refinancing
Builder
Loans
Our Builder Loan is a joint own product owned by BOCNZ and Vincent Securities. Designed to enable construction finance the the least amount of finance red tape
We Fund:
Development
Construction
We can provide construction funding in a joint product with Bank of China & Vincent Securities for Auckland Residential Development.
Development
Finance
stand alone homes, duplex/terraces, multi unit apartments
Industrial & Commercial Construction
commercial offices/retail units, Industrial warehouses, retail and other commercial assets
Subdivisions
residential, commercial & industrial subdivisions
Bare Land
stand alone homes, duplex/terraces, multi unit apartments
Dealing with Professionals
We are a company driven by the core principles of confidence, experience and approachability. We demonstrate the highest level of integrity in all transactions, dealing professionally and building trust.
OUR CHARITY SUPPORT
Keystone Trust
At Vincent Capital, we’re proud to be a premium partner of Keystone Trust, supporting young people held back by inequality to access the education they deserve and build successful property and construction careers. Since 1994, Keystone Trust has granted over 200 scholarships and distributed around $2 million in funding.
We know that without financial support, family backing, or industry networks, many promising students face significant barriers to tertiary education and career pathways.
That’s why we back initiatives that unlock potential—giving future leaders the support they need to thrive and shape the future of our industry.
