Private Funding for
Commercial Enterprise

Short Term Finance Specialists

Rose Ruby Partners delivers fast bridging finance solutions for property investors and businesses throughout New Zealand. When time is critical, our specialist funding provides the fast capital needed to secure the opportunity or buy more time to sell down.

Our expert team has decades of finance experience to create fast, effective funding solutions where traditional lenders cannot or will not act quickly enough. With involvement in over $100,000,000 worth of transactions through our extensive network of private, non-bank and international investment firms, we bring unparalleled expertise to your financial needs.

Unlike conventional lenders, our pragmatic approach evaluates the quality of security rather than imposing rigid income-based lending criteria. This allows us to structure deals that others simply cannot do.

From initial consultation to settlement, we can complete the entire process within 5 days when urgency demands.

We exclusively serve wholesale and eligible investors through company or trust structures and do not work with retail clients.

When You Need Bridging Finance

Business Opportunity: Release equity for business purposes
Rescue funding: Refinance existing lending in arrears or at mortgagee sale stage
Development funding: Fund a residential or commercial project
Property Purchase Before Sale: Buy your next property before selling
Auction or Fast Settlement: Secure funds quickly when opportunity strikes
Tax Obligations: Meet pressing tax payments
Renovation Finance: Fund property improvements

We Finance

✓ Residential properties

✓ Commercial properties

✓ Development projects

✓ Farms and Lifestyle blocks

✓ Land banks for future development

Typical Loan Terms

Loan Size: $250k ~ $5m+++
Terms: 3 to 12 months
Structure: Interest Only or Capitalised
Security: 1st and 2nd Mortgages
Rates: from 8.5% p.a.
Lender Fee: 2.5%-5%
Loan Documentation Fees: Est $3,000
Our Success Fee: 1%-3%
Indicative Approval: Same day indicative approvals
Fast Settlement: Following formal approval and satisfaction of conditons - three-day settlement
Nationwide coverage: Including regional and provincial areas