Sunlight Finance

Where great minds meet the right funds

Sunlight Finance
We help our clients achieve strategic success

Sunlight Group is a non-bank lender offering property and development finance to wholesale clients in New Zealand.

We deliver well-structured funding solutions with a strong focus on speed, certainty, and commercial pragmatism.

Our tailored, non-consumer credit facilities are available to:

Property Investors
House Builders
Land Developers
Property Developers
Suppliers and Manufacturers

Our approach is straightforward — we assess the commercial fundamentals and practical viability of each project and structure funding accordingly.

Where conventional lending pathways present challenges, we provide disciplined, solution-focused alternatives designed to keep projects progressing.

Development & Construction Finance

Sunlight Group provides comprehensive development finance – from land acquisition to construction – helping developers expand their business and get building projects off the ground or ready for completion.

Our fast approval process saves developers time and effort, while optimizing returns on principal investment.

We specialize in residential property development finance, including:

Residential subdivision
Terrace House & Townhouse development
Multi-unit residential development
Bare land acquisition and development
Single high-end homes
Residential refurbishment

Bridging Finance

Sunlight Group offers bridging loan solutions for borrowers needing short-term finance to bridge cashflow gaps.

The basic requirements are:

An acceptable exit strategy in place
A property as security for the loan

Our bridging loans can be ready within 2–3 working days, helping you meet urgent financing needs, such as:

Purchasing your next project while waiting for sale settlement of your current property
Waiting for the completion of a pre-sold development (CCC & new titles)
Cases where bank lending criteria are not met, for example:
- Interest needs to be capitalised or partially capitalised
- High LVR beyond bank limits
- Properties requiring refurbishment or development works

Land Bank Loans

Sunlight Group provides land bank loans for developers to purchase or hold undeveloped land.

We use our expertise to assess the potential of undeveloped land, including parcels:

Awaiting zoning changes
In the process of obtaining resource or building consents

We review applications with a development proposal and provide swift, tailored financing solutions.

Investment Property Loans

Sunlight Group can finance residential, commercial, or industrial investment properties, provided the property is:

In good condition
Secured with a lease
Compliant with all rental regulations

Short-term Operating Loans

Sunlight Group offers short-term operating loans to well-established businesses with:

Healthy cash flow
Reasonable collateral

These loans are designed to support businesses in meeting operational or working capital needs efficiently.

Why Sunlight

Structured Capital Expertise

Sunlight delivers tailored financing solutions designed for property development and value-add projects.
We understand project cycles, construction risk, and capital structuring — enabling us to move decisively while maintaining disciplined risk management.

Commercially Aligned Approach

We assess projects with a practical, real-world mindset.
Our focus is not only on security, but on feasibility, execution capability, and long-term value creation.
We work with experienced developers, investors, and sponsors who appreciate clarity, structure, and speed.

Efficient Decision-Making

With streamlined internal processes and direct access to decision-makers, Sunlight provides timely credit assessment and funding execution — critical in competitive acquisition and development environments.

Industry Network Access

Where appropriate, Sunlight may facilitate introductions to experienced industry participants within our professional network,
including consultants, contractors, and suppliers.
All such introductions are non-binding. Borrowers retain full independence in evaluating, selecting, and contracting with any third parties.

Beyond Capital

We believe capital should be intelligent and structured — not just available.
Sunlight aims to support projects that are commercially viable, responsibly executed, and aligned with long-term value creation.

Working with Brokers & Finance Advisers

Sunlight Group is a broker-friendly lender. We value and welcome collaboration with mortgage brokers and finance advisers representing wholesale clients.

We take a practical and solutions-focused approach to funding applications, working closely with our professional partners to achieve commercially sound outcomes.

Please note: Sunlight Group provides financial services strictly to wholesale clients in New Zealand under non-consumer credit contracts. We do not provide services to retail clients.

Sunlight Group reserves the right to update, amend or interpret the information on this website at its discretion.

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