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Let’s build lending that uplifts. We help values-led organisations design and deliver fair, transparent lending products for their people - rooted in trust, cultural alignment and long-term financial wellbeing. Recent work includes:
For funders, iwi, or values-aligned lenders ready to innovate—Money Sweetspot provides the tools, insights, and infrastructure to co-design lending products that build intergenerational impact. Whether you're creating your first lending programme or evolving an existing one, we’ll help you shape something that works for your people—and stands the test of time.
We meet to understand your community, challenges and impact goals, identifying the key drivers and any constraints that need to be overcome.
A structured co-design process to shape your product and roadmap. Includes market insight, policy, credit considerations and user experience mapping.
We operationalise the solution - either as a standalone product or embedded in your wider strategy. Ongoing impact data and support included.
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!)
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.
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.
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.
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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