Bay of Plenty Times
  • Bay of Plenty Times home
  • Latest news
  • Business
  • Opinion
  • Lifestyle
  • Property
  • Sport
  • Video
  • Death notices
  • Classifieds

Subscriptions

  • Herald Premium
  • Viva Premium
  • The Listener
  • BusinessDesk

Sections

  • Latest news
  • On The Up
  • Business
  • Opinion
  • Lifestyle
  • Property
    • All Property
    • Residential property listings
  • Rural
    • All Rural
    • Dairy farming
    • Sheep & beef farming
    • Horticulture
    • Animal health
    • Rural business
    • Rural life
    • Rural technology
  • Sport

Locations

  • Coromandel & Hauraki
  • Katikati
  • Tauranga
  • Mount Maunganui
  • Pāpāmoa
  • Te Puke
  • Whakatāne
  • Rotorua

Media

  • Video
  • Photo galleries
  • Today's Paper - E-Editions
  • Photo sales
  • Classifieds

Weather

  • Thames
  • Tauranga
  • Whakatāne
  • Rotorua

NZME Network

  • Advertise with NZME
  • OneRoof
  • Driven Car Guide
  • BusinessDesk
  • Newstalk ZB
  • Sunlive
  • ZM
  • The Hits
  • Coast
  • Radio Hauraki
  • The Alternative Commentary Collective
  • Gold
  • Flava
  • iHeart Radio
  • Hokonui
  • Radio Wanaka
  • iHeartCountry New Zealand
  • Restaurant Hub
  • NZME Events

SubscribeSign In
Advertisement
Advertise with NZME.
Home / Bay of Plenty Times / Business

Jeremy Tauri: Peer-to-peer lending easier in NZ

By Jeremy Tauri
NZME. regionals·
17 Nov, 2014 08:00 PM2 mins to read

Subscribe to listen

Access to Herald Premium articles require a Premium subscription. Subscribe now to listen.
Already a subscriber?  Sign in here

Listening to articles is free for open-access content—explore other articles or learn more about text-to-speech.
‌
Save

    Share this article

As of this year, it's become a lot easier for the average investor to put their money into high-risk, high-return start-ups and small personal loans. writes Jeremy Tauri. Photo / Warren Buckland

As of this year, it's become a lot easier for the average investor to put their money into high-risk, high-return start-ups and small personal loans. writes Jeremy Tauri. Photo / Warren Buckland

Do you want to invest in a movie, a brewery or maybe in a loan to your neighbour?

As of this year, it's become a lot easier for the average investor to put their money into high-risk, high-return start-ups and small personal loans.

The Financial Markets Conduct Act has made it possible to offer peer-to-peer lending and equity crowdfunding in New Zealand.

Crowdfunding allows you to take a small stake in a company that's looking for cash to get through another stage of growth.

Peer-to-peer lending offers the opportunity to deposit an amount of money with a lending platform provider that is then lent out to people.

Advertisement
Advertise with NZME.
Advertisement
Advertise with NZME.

Previously, this sort of thing was available only on a charitable basis. You could pledge some money to someone whose project you liked via a crowdfunding site but you couldn't expect anything in return.

Now, you can take a small stake in the company and get dividends via equity crowdfunding, and can be paid interest that is higher than what you can get from the bank on loans via peer-to-peer lending.

But it's not straightforward. This is high-risk stuff. People who seek loans via peer-to-peer lending will usually be those the bank won't lend to. Companies do not have to offer the same levels of disclosure that they would in other investment circumstances.

Advertisement
Advertise with NZME.

Make sure you know exactly what you're investing in and what you can expect to get in return, and when.

Some of the information I've looked at is vague - companies say they'll reinvest profits for the first few years and look to pay dividends eventually but don't say what or when.

If receiving a dividend is important to you, that may not be good enough.

If you're going to invest via crowdfunding or peer-to-peer lending, only invest what you can afford to lose.

Discover more

Jeremy Tauri: The reality of having a mortgage

15 Oct 02:11 AM

Jeremy Tauri: Cut corners now and lose out later

21 Oct 08:00 PM

Jeremy Tauri: Enjoy the beer, beware of the advice

27 Oct 08:00 PM

Jeremy Tauri: Easier reporting standards for charities

03 Nov 08:00 PM

That way, any return you get will be a bonus. Who knows, you might end up with a stake in one of New Zealand's next big success stories.

Save

    Share this article

Latest from Business

Bay of Plenty Times

Median house price falls in Auckland, increases in regions

Bay of Plenty Times

Regional airline grounded for 10 days by Civil Aviation Authority

Premium
OpinionMark Lister

Opinion: Why Mary Meeker's latest AI insights can't be ignored


Sponsored

Solar bat monitors uncover secrets of Auckland’s night sky

Advertisement
Advertise with NZME.

Latest from Business

Median house price falls in Auckland, increases in regions
Bay of Plenty Times

Median house price falls in Auckland, increases in regions

Reinz report shows sales volumes below expected, more days to sell.

14 Jul 09:11 PM
Regional airline grounded for 10 days by Civil Aviation Authority
Bay of Plenty Times

Regional airline grounded for 10 days by Civil Aviation Authority

14 Jul 03:12 AM
Premium
Premium
Opinion: Why Mary Meeker's latest AI insights can't be ignored
OpinionMark Lister

Opinion: Why Mary Meeker's latest AI insights can't be ignored

13 Jul 05:00 PM


Solar bat monitors uncover secrets of Auckland’s night sky
Sponsored

Solar bat monitors uncover secrets of Auckland’s night sky

06 Jul 09:47 PM
NZ Herald
  • About NZ Herald
  • Meet the journalists
  • Newsletters
  • Classifieds
  • Help & support
  • Contact us
  • House rules
  • Privacy Policy
  • Terms of use
  • Competition terms & conditions
  • Our use of AI
Subscriber Services
  • Bay of Plenty Times e-edition
  • Manage your print subscription
  • Manage your digital subscription
  • Subscribe to Herald Premium
  • Subscribe to the Bay of Plenty Times
  • Gift a subscription
  • Subscriber FAQs
  • Subscription terms & conditions
  • Promotions and subscriber benefits
NZME Network
  • Bay of Plenty Times
  • The New Zealand Herald
  • The Northland Age
  • The Northern Advocate
  • Waikato Herald
  • Rotorua Daily Post
  • Hawke's Bay Today
  • Whanganui Chronicle
  • Viva
  • NZ Listener
  • Newstalk ZB
  • BusinessDesk
  • OneRoof
  • Driven Car Guide
  • iHeart Radio
  • Restaurant Hub
NZME
  • About NZME
  • NZME careers
  • Advertise with NZME
  • Digital self-service advertising
  • Book your classified ad
  • Photo sales
  • NZME Events
  • © Copyright 2025 NZME Publishing Limited
TOP