Spotty with flower

Business Financial Wellbeing

Give your people the tools to get out of debt and on with living!

More than 60% of Kiwis say they’re stressed about money. It’s showing up at work in the form of distraction, absenteeism, and churn. And for customer-facing businesses, it’s driving quiet exits from your brand.

Reduce churn, boost performance, and care for your people. Our financial wellbeing partnerships deliver real outcomes by helping employees move from stress to stability through practical tools, education, and values-aligned lending.

Why it matters

Financial stress doesn’t stay at home. It shows up at work in productivity loss, absenteeism, and disengagement. 

69% of Kiwis worry about money


People are caught in high-interest debt cycles


Supporting your people’s financial well-being is good for them & good for your business

What makes us different:

We’re here to help your people take back control of their money. Our model combines empathetic support, responsible lending, and education that builds capability, not dependency. 

We can work alongside your existing providers or lead a standalone solution. Whether you want a quarterly campaign or a deeper, long-term partnership, we adapt to your needs. 

Ready to talk? Let’s co-create a financial wellbeing offer that actually makes a difference!

What you get:

  • Co-branded campaign assets to kickstart engagement 
  • The Sweetspot Portal for personalised education and habit-building 
  • Optional financial reset pathway for people in deeper stress 
  • Impact reporting with insights on debt, confidence and engagement  

How we partner:

Step 1: Awareness Campaign (No Cost)

- Use our co-branded, plug-and-play 4-week email campaign to open the conversation with your people or customers.
- Include real Sweetspot stories and an optional intro video from our CEO.
- See who engages and where the need is greatest.

Step 2: Insight + Engagement - Discovery and design workshop (Paid)

We run a deep-dive session with your key people to shape a campaign or programme that fits your workforce and wellbeing goals.
- Access anonymised engagement data and insights.
- Opt in to an impact pilot using our Sweetspot Portal for your team or customers.
- Receive qualitative feedback on what’s resonating and what’s needed.

Step 3: Partnership Design - Launch and measure (Paid)

We bring the strategy to life with tailored support, education tools, and product innovation.
- Co-create a tailored financial wellbeing programme.
- Choose full-service or integrated delivery.
- Receive comms toolkits and internal engagement support -Ongoing reporting to show impact on debt, confidence, and retention. 

Ready to partner for impact!

Download our Partnership Readiness Pack (Free) or reach out and talk to us about codesigning your Financial Wellbeing solution.

Contact us

Resources

Partnership Readiness Pack

The documents below include a poster, flyer, some customer stories, and more.

Printable community briefing document

Printable Community Briefing Document

Download
A4 single page flyer

A4 single page flyer

Download
DLE brochure

DLE brochure

Download
Customer Stories document

Customer Story Document

Download
Application process outline

Application Process Outline

Download

Videos

What we believe

Spotty life is unpredictable

People are good. Bad things can happen to any of us.

When something unpredictable happens, the traditional financial system tends to assume that the person is suddenly ‘higher risk’ or in some way ‘bad’. This can mean that people pay more for their debt, or are excluded from certain products, support, or services.

We believe that this is judgemental (in fact ludicrous, as life is inherently unpredictable for all of us!)

Spotty with credit cards

Debt does not need to be a defining moment in anyone’s life.

If you take time to understand a person’s story we believe that they can move through their debt and on with life with dignity and choice. By choosing not to listen to their story you’re judging (and pricing) people unfairly and there is a better way.

We want to lose customers as this means they are out of debt and on with life and we will be able to support another family.

Spotty with coin

You can be a sustainable and impactful finance company without charging high levels of interest rates and fees.

We focus on balancing the interest that we charge with the costs of running our business. As a new business we are constantly learning, reflecting and updating our approach.

The interest rates and fees that we charge mean that we can be financially sustainable and around for as long as New Zealanders need us. We think that some charges are silly, which is why we don’t charge default interest.

We are grateful to have investors and loan capital partners who share our mission. This means that we are able to structure our business with a focus on sustainability and impact rather than profit.

Spotty with computer

Investing in financial education and acknowledging customers commitments to their own financial well-being is mutually beneficial.

We believe that we are the first finance company in the world to link financial education with the repayment of debt and creation of savings.

By engaging in financial education our customers pay less on their loans whilst also increasing their levels of financial resilience and understanding. This also benefits our business, as the number of customers unable to pay is likely to be lower, and the overall impact of our business will be increased.

How we partner:

Step 1: Awareness Campaign (No Cost)

- Use our co-branded, plug-and-play 4-week email campaign to open the conversation with your people or customers.
- Include real Sweetspot stories and an optional intro video from our CEO.
- See who engages and where the need is greatest.

Step 2: Insight + Engagement - Discovery and design workshop (Paid)

We run a deep-dive session with your key people to shape a campaign or programme that fits your workforce and wellbeing goals.
- Access anonymised engagement data and insights.
- Opt in to an impact pilot using our Sweetspot Portal for your team or customers.
-  Receive qualitative feedback on what’s resonating and what’s needed.

Step 3: Partnership Design - Launch and measure (Paid)

We bring the strategy to life with tailored support, education tools and product innovation to help your team thrive.
- Co-create a tailored financial wellbeing programme.
- Choose full-service or integrated delivery.
-Receive comms toolkits and internal engagement support.
- Ongoing reporting to show impact on debt, confidence, and retention.

Ready to partner for impact!

Download our Partnership Readiness Pack (Free) or reach out and talk to us about codesigning your Financial Wellbeing solution.

Contact us

Resources

Videos
Partnership Readiness Pack

The documents below include a poster, flyer, some customer stories, and more.

Printable community briefing document

Printable Community Briefing Document

Download
A4 single page flyer

A4 single page flyer

Download
DLE brochure

DLE brochure

Download
Customer Stories document

Customer Story Document

Download
Application process outline

Application Process Outline

Download

Frequently asked questions

Can you refinance WINZ or IRD debt?
FAQ question open
Can I apply on behalf of my client?
FAQ question open
How long will it take for my client to get an answer?
FAQ question open
How can I check whether my client can afford the loan?
FAQ question open
Good Shepherd and Ngā Tāngata don’t charge interest. Why do you?
FAQ question open
Are there any debts that you can’t include in a financial reset?
FAQ question open
Can we include anything other than debt in the financial reset?
FAQ question open
How do you calculate affordability?
FAQ question open
How do you decide the interest rates for each customer?
FAQ question open

What we do

Money Sweetspot provides financial reset debt consolidation loans to help you take charge of your financial life, reduce debts and get on with living.

Our debt consolidation loans create a new chapter in your financial life at an interest rate that may be lower than you're currently paying. That means less money spent on interest and more on paying down  debts.

Money Sweetspot is much more than just a loan, though. You'll will earn Sweet rewards for learning about money. And by paying on time and avoiding further debt you'll get to donate to causes you care about.

The points turn into extra money off your loan or into your savings account . You'll also earn $100 each year to donate to the charity of your choice through Good Registry. This means your commitment and action to your financial reset helps you and helps the community!

That’s better for everyone. You pay off your loan more quickly, and we can then re-lend this money to other Kiwi looking to save money, get out of debt, and get on with their life.

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Money Sweetspot provides financial reset debt consolidation loans to help you take charge of your financial life, reduce debts and get on with living.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about our loan products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed. Responsible lending criteria, rates, fees and contract terms apply. For more information visit useful information.

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