We make the concept of Debt Investing easy for you to understand. Investment starts from NZD$50,000 with the ability to re-invest quickly with monthly repayment for most products. Options to invest up to 60 months.
We advocate ‘Skin in The Game’ philosophy by investing into the notes put up on our platform alongside our investors. We are in this with you.
Smooth onboarding process from start to finish.
10% Fixed Interest p.a, minimum investment $100,000
Blossum offers a range of value-added opportunities for investors that are unique in the market. Our combination of high yield and security make Blossum a financial product that stands out amongst the competition.
Our First Mortgage funds arebacked by first mortgages over land and buildings with relatively conservative loan to valuation ratios (LVR) across diversified property sectors and markets and spread across New Zealand.
We don’t lend more than 60% of the value of the property asset which the loan is secured against. Blossum registers a first ranking mortgage against the borrower’s property asset every time a loan is advanced.
13% Fixed Interest p.a, minimum investment $100,000
Blossum offers a range of value-added opportunities for investors that are unique in the market. Our combination of high yield and security make Blossum a financial product that stands out amongst the competition.
Our Second Mortgage funds are backed by second mortgages over land and buildings with relatively conservative loan to valuation ratios (LVR) across diversified property sectors and markets and spread across New Zealand. We don’t lend more than 75% of the value of the property asset which the loan is secured against.
Blossum registers a second ranking mortgage against the borrower’s property asset every time a loan is advanced
15% Fixed Interest p.a, minimum investment $50,000
Blossum offers a range of value-added opportunities for investors that are unique in the market. Our combination of high yield and security make Blossum a financial product that stands out amongst the competition.
Our Business Term Investment make investments, in the form of loans and other debt products, which will be provided to New Zealand businesses. This will include businesses which are either New Zealand based, owned or domiciled and their various holding, parent or subsidiary companies. Loan investments are contracted agreements which generate interest.
The fund is designed to deliver stable returns by diversifying its investments and the income sources these create across credit market segments, borrowers, industries and origination channels. The risk of capital impairment or loss will be mitigated by targetinginvestment in senior-secured loans, which will comprise at least 80% of NAV at the time any investment in a new asset is made (excluding, for the avoidance of doubt, equity investments acquired as a result of a restructuring or insolvency process). Blossum registers a first ranking security against the company and its asset every time a loan is advanced.
Blossum offers the highest returns on investment range from 10% to 15% compared to other available options in the market while mitigate the default risk and its repayment ability.
Blossum does not charge investors any fees to use our services.
Blossum charges an origination fee and ongoing service fees to the borrower. Additionally, borrowers are also required to pay a documentation fee that covers the legal costs associated with setting up the loan agreement.
Not exactly what to invest in or understand the risk parameters? We have dedicated Investment Managers to assist you with any questions or deployment of capital, at no additional cost.
Should you wish to exit your shares in any debt security, you can liquidate these positions at any time via our market to other Blossum Investors.
Debt investment lending is a way to raise money, awareness, and support for a project or a business from the people around you. It’s all about how you persuade each individual to give you a small donation or capital for your project or idea.
Debt investment lending allows people with great ideas but lack of financing to raise the money they need to turn their initiatives into reality. In return, the donors and investors will get rewarded.
Many SMEs do not have many assets to pledge, but are very cash flow positive. Unfortunately for these companies, or if they’ve already reached the maximum limit on their bank facilities with no more assets to pledge, securing funding can be a difficult ride.
All returns on investments with Blossum as subject to resident withholding tax. This is applicable for NZ tax residents. Foreigner investors are subject to non-resident withholding tax. Find out more here.
Credit assessments are based on the SME’s and buyer’s (in case of invoice financing) ability and willingness to pay.
For assessing ability, Blossum looks at a number of financial tools to evaluate the credit worthiness of an SME. Much of the evaluation relies on analyzing the SME’s P&L, balance sheet, cash flow statements, inventory turnover rates, debt structure, management performance, and market conditions with the context of the note quantum and tenor.
To assess credit worthiness, Blossum looks into the history of trustworthiness, moral character, and continued performance that demonstrate a debtor’s ability to repay. Mainly via the SME’s and director’s past credit obligations, repayment records and litigation (if any).
If the borrower repays early, Blossum will return all of the investor’s funds plus any accrued interest. The full amount is paid back to the investor as soon as we receive it from the borrower. You will then be able to redeploy funds into another investment if you choose to do so.
Blossum believes in providing secure investments to our clients. We always ensure that the loan amount does not exceed 75% of the property value and it is secured with a first ranking mortgage registered on the title.
The term of investment depends on the loan being offered. Loans are short-term, the usual minimum being 3 months with the maximum term available up to 1 year. Every loan is different and the terms are always made clear to investors before they make any commitments.
Although Blossum has never suffered any loss of investor capital or interest, it is important to understand that there is risk involved with investing. These risks could involve the borrower defaulting on a payment, or being unable to exit the asset to recover the full amount of capital.
Blossum takes steps to ensure that all funds invested are secure. We do not lend more than 75% of the property value. However, as with any form of investments, there is always an element of risk involved so it is important to understand these risks.
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