Spotty with flower

Lending Innovation

Unlocking Social Capital: Building the Future of Fair Lending

Our Lending Innovation service is for Iwi, funders, and mission-driven organisations. We help you co-create lending products with purpose, aligned to your values to unlock financial support for your communities who may not qualify for mainstream lending. This delivers long-term impact for your people, building trust, financial knowledge, resilience and smart money habits.

Who this is for

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:

  • Product design for iwi-led housing and debt relief programmes
  • Tools to support readiness for long-term asset ownership

How it works

  1. Co-Design Workshops: Define your vision, values, and outcomes
  2. Product Development: We craft the policies, pricing, and digital journeys
  3. Implementation: We take care of assessments, administration, and servicing
  4. Wraparound Support: Borrowers receive digital education and wellbeing checks
  5. Impact Reporting: You receive transparent, ongoing data to demonstrate success

Why it matters

  • Most credit systems aren’t built for community resilience—they’re built for profit. We change that by shifting power, design, and support into the hands of organisations who know their people best.
  • Let’s make lending a tool for intergenerational impact—not just repayment.

Let's co-design your lending programme

Reach out, to learn how we can help you unlock Social Capital for your community.

Contact us

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.

Out of Debt. On with Life.
Debt Consolidation For Real People.

We provide financial reset debt consolidation loans and support to real people living real life. Our customers have many different reasons for needing, and wanting, a financial reset.

What they all have in common is that they are motivated to move forward and on with their life. They are prepared to put in the work, and many have specific goals in their life that would be within reach without the burden of higher cost, spiralling debt.

Debt Detox

We bundle up messy debts into one loan. That means one regular payment, interest rates that may be lower than you're currently paying, no account fees and no late fees if you miss a payment by a few days. All so you can get back on track quick-smart!

Real People

Ready to make a plan and get on with life? We want to hear your story, not just numbers,  so we can help you make a plan for a financial reset. Transparent process, supportive service and quick application response is how we care for our customers.

Learn & Earn

We've got tons of articles, tips and features to help you learn more about money, savings, and even investing. The best bit is, reading them earns Sweetspot Points you can redeem as additional amounts off your loan or into your savings account.

Step 1: Define Your Vision

We want to be able to support people as easily and quickly as possible. Whilst our application process is online, our overall experience is very much focussed on the person behind the application. 

You can find a summary of our application process here.

Step 2: Co-Design Workshop

Our mission is to help people find a way out of spiralling debt. That shapes how we do things, from the rates we charge to how we work alongside you on your financial reset journey. You can find our how we’re different here.

Step 3: Unlocking Social Capital

Each Sweetspot point can be redeemed for $2.

For the first six months of your loan the points you earn each month will be redeemed against your loan balance. This helps you to get out of debt faster and pay less interest! Sweet! 

When you've successfully paid your loan for six months you unlock the choice to redeem your points by transfer to your savings account (at your bank) or to donate to charity through The Good Registry. This could help you to build an emergency fund for unexpected expenses or donate to causes you care about. This option is only available while your loan is up-to-date, you haven’t taken on any more debt and there hasn’t been any other ‘hold event’, as defined in the Money Sweetspot terms & conditions. We may not allow you to redeem points if there’s been a hold event but, if we do, we’ll use them to continue to reduce the principal balance of your loan - to help you get back on track.

By engaging in our digital financial education platform our customers earn Sweetspot Points. These Points can be redeemed for additional amounts off their loan, or into their savings account. You can find out more information here.

Get to know us

Videos

Frequently asked questions

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