What is it?

What is Crowdlending?

Crowdlending helps Kiwis fund the companies and organisations they care about. PledgeMe.Lend helps organisations harness the power of their crowd and raise capital, without the restrictions, burdens and smoke and mirrors of traditional borrowing. An organisation’s crowd can lend it money and the organisation pays their crowd back with interest. Borrowers can raise up to $2 million in a 12 month period1 through a licensed platform (like us). The space is regulated by the Financial Markets Authority (FMA) via The Financial Markets Conduct Act 2014 which deals with this type of capital raising.

Is a loan from your
crowd for you?

If your organisation is looking to raise capital to grow and thrive then a crowdlending campaign could be for you.

Any suitable organisation — from companies to co-ops, schools to societies — can go out to their crowd of supporters, customers, and networks and ask them to lend some cash. 

That loan needs to be for a concrete aim. It might be something as simple as a bridging loan to cover costs or it might be something that will save you money in the long run like upgrading your technology. A discrete bit of work you can clearly articulate to your crowd — what’s the benefit to you, and how you’ll pay them back.

On that note, borrowing with PledgeMe.Lend will only work for organisations which have an ability to show they will be able to pay back the loan to their crowd. Take yourself to our Campaign Readiness Evaluation for Debt (CRED) to see if you’re ready to borrow.

Not to worry if you’re not ready. Take a look at running a project or equity crowdfunding campaign with us instead. We’d be happy to chat with you about how you can use the different PledgeMe options to reach your goals.


For Borrowers

CrowdfundingU $3,000 + GST
(Paid before campaign starts)

Success fee 5% of total raised
(GST inclusive)


For Lenders

Credit card fee 2.5% + 25 cents
(if they choose to pay by credit card)

Repayment fee 1%