Blossum AIP Wholesale Fund
Secured Private Credit | New Zealand SMEs | Growth Category
Invest in New Zealand's real economy through secured lending to productive enterprises
Invest in New Zealand's Real Economy
A wholesale private credit fund providing secured lending to New Zealand small and medium-sized enterprises, aligned with the Active Investor Plus (AIP) Growth Category.
Available to wholesale investors only.
About the Fund
What is the Blossum AIP Wholesale Fund?
The Blossum AIP Wholesale Fund is a New Zealand-based wholesale managed investment scheme that provides secured private-credit financing to New Zealand small and medium-sized enterprises (SMEs).
Capital Deployment
The Fund deploys capital through first- and second-ranking mortgage-secured loans to productive NZ businesses seeking working capital and growth finance.
New Zealand Focus
All investments are made wholly within New Zealand and are designed to support business productivity, employment, and economic activity.
Why This Fund Exists (AIP & Economic Rationale)
Addressing New Zealand's Funding Gap
New Zealand SMEs form the backbone of the economy but increasingly face funding constraints due to tighter bank credit conditions and regulatory capital requirements.
Flexible Credit Solutions
Providing flexible, secured credit solutions to SMEs
Disciplined Framework
A disciplined, governance-led investment framework for wholesale investors
By directing capital into productive enterprises, the Fund supports real economic outcomes while maintaining a conservative risk approach.
Investment Strategy
How the Fund Invests
- Pooled private-credit fund investing in New Zealand SMEs
- Secured lending via first- and second-ranking mortgages
- In some cases supported by general security agreements (GSA)
- Typical loan terms of 12–24 months
- No consumer lending
- No unsecured lending
- No property development or passive investment
All assets and income are denominated in New Zealand dollars, and the Fund does not maintain direct exposure to overseas companies or markets.
Risk & Portfolio Controls
Disciplined Portfolio Construction
The Fund applies disciplined portfolio construction and risk management, including:
LVR Cap
Portfolio weighted-average LVR capped at ≤75%
Borrower Exposure
Maximum 5% exposure per borrower
Sector Exposure
Maximum 20% exposure per sector (after 12 months)
Independent Review
Independent valuation review
Validation
Serviceability and exit-strategy validation
Active Loan And Portfolio Monitoring
These controls are designed to support capital preservation while maintaining portfolio resilience.
Target Borrowers & Economic Impact
Who the Fund Lends To
The Fund targets established New Zealand SMEs seeking:
- working capital
- business expansion finance
- equipment acquisition
- growth initiatives
Contribution to New Zealand
By lending exclusively to New Zealand SMEs, the Fund:
- supports employment and productivity
- enables business continuity and growth
- directs capital into the real economy
- aligns with the objectives of the AIP Growth Category
Geographic Focus
New Zealand only
The Fund prioritizes lending in New Zealand's main economic centres due to their concentrated economic activity and established infrastructure. Additionally, we seek to support strong regional enterprises that demonstrate robust growth potential and significant local impact within their communities.
Sector Focus
Technology
Innovating and developing digital solutions.
Manufacturing
Producing goods and industrial products.
Food & beverage
From agriculture to finished culinary products.
Renewable energy
Sustainable power generation and solutions.
Aged care
Services supporting the senior population.
Primary sectors
Horticulture, forestry, agriculture, aquaculture.
Infrastructure
Essential services including tourism infrastructure.
Film, health and education
Creative, medical, and learning industries.
Responsible Investment & ESG
ESG & Reputation Protection
The Fund applies a formal ESG and Responsible Investment Policy, integrated throughout the investment lifecycle.
Key principles include:
- Mandatory ESG screening prior to investment
- Exclusion of activities that could prejudice New Zealand's reputation
- Ongoing ESG monitoring for the duration of investment
- Escalation and remediation of any material ESG issues
The Fund is committed to responsible capital deployment consistent with New Zealand's regulatory and reputational expectations.
Governance & Oversight
Strong Governance Framework
The Fund operates under a robust governance structure, including:
Investment Committee
an Investment Committee
Advisory Board
an Independent Advisory Board
Clear Authority
clearly defined delegated authority and oversight
The Investment Committee reviews portfolio performance, diversification, risk metrics, and compliance on a regular basis.
Investor Eligibility
Who Can Invest
Investment in the Fund is available exclusively to wholesale investors as defined under the Financial Markets Conduct Act 2013.
The Fund is intended for sophisticated investors, including those investing under the Active Investor Plus (AIP) visa programme, subject to eligibility and regulatory requirements.
Reporting & Transparency
Regular Investor Reporting
Investors receive regular reporting covering:
Portfolio Composition
portfolio composition
Credit Quality
credit quality and arrears
Loan Performance
loan performance
Distributions
distributions (where applicable)
All reporting is conducted in accordance with the Fund's governance and compliance framework.
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Learn More About the Blossum AIP Wholesale Fund
To receive the Information Memorandum or speak with our investment team, please get in touch.
Footer Disclaimer (Important)
This information is provided for general information purposes only and does not constitute an offer or solicitation. Investment in the Blossum AIP Wholesale Fund is available only to wholesale investors. Past performance is not indicative of future results. No returns are guaranteed.