Financial Holdings

What Financial Holdings does

Financial Holdings Ltd (FHL) is a privately held, 100% New Zealand owned and operated non-bank finance company founded in 1986 and headquartered at 17 Kalmia Street, Ellerslie, Auckland. The company provides secured and unsecured credit to New Zealand individual consumers and small-to-medium enterprises across vehicle, personal, marine, business, fleet, bulk, and debt-consolidation use cases, with interest rates structured in three risk tiers (T1–T3) ranging from 9.45% p.a. secured for top-tier homeowners up to 22.45% p.a. unsecured for thin-credit borrowers.

FHL's operating platform is built around a Credisense-powered online credit application module that delivers 24/7 self-serve submission with instantaneous decisioning, hosted on Microsoft Azure and MongoDB Atlas in Australia East. It supplements this with VedaScore Plus credit scoring (Veda Advantage) for enhanced consumer enquiry, GPS tracking integration for motor vehicle dealerships to support secured-lending credit control, and an outsourced receivable book management offering (debtor collection and court pursuit). Distribution is direct online plus a nationwide network of authorised brokers and authorised dealers that originate through the same self-serve portal.

FHL earns revenue primarily from interest and fees on its loan book — subscription/recurring in nature across instalments of 6 to 60 months — alongside insurance premium-related commissions and underwriting arrangements with Protecta, Vero Insurance New Zealand Limited, and Autosure for Consumer Protection, Payment Protection, Motor Vehicle, and GAP Insurance. The company reports 20+ staff, an FSP registration (FSP26106), AML/CFT obligations, and IFSO Scheme membership; no revenue, ownership structure beyond private shareholders, or external funding are publicly disclosed. Related but only loosely disclosed entities include MotorFinance and Jade Recoveries / Jade Financial Pty Limited.

Name

Financial Holdings

Legal name

Financial Holdings Ltd

Website

https://fhlnz.co.nz

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

1–10 employees

Short description

Financial Holdings Ltd (FHL) is a privately held, Auckland-based New Zealand non-bank lender founded in 1986, providing secured and unsecured vehicle, personal, marine, and business loans to consumers and SMEs, distributed through a nationwide broker and dealer network and a 24/7 online application portal.

Ownership category

akta.pro rank

Product category

Specialty Consumer and SME Finance

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

akta.pro secondary industries

Private Credit / Direct Lending (FSAAAHAG), Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Consumer lending
• Vehicle finance
• Marine loans
• SME finance
• Specialty finance

Headquarters

HQ city

Idaho Falls

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Finance Interest and Fees: FHL generates revenue through interest charged on vehicle loans, personal loans, marine loans, business loans, and fleet financing. Interest rates vary by risk tier (T1-T3) and whether loans are secured or unsecured. Additional fees include establishment fees, broker introducer fees, and administration charges.
2. Insurance Products: FHL offers insurance products underwritten by Protecta and Vero Insurance New Zealand Limited, including Consumer Protection Insurance, Payment Protection Plan Insurance, Motor Vehicle Insurance (through Autosure), and GAP Insurance. Premiums can be added to loans or paid independently.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Financial Holdings Ltd provides secured and unsecured loan products including vehicle, personal, business, and marine finance, alongside complementary services such as credit monitoring, bulk finance facilities for dealers, and insurance products (Consumer Protection, Payment Protection, Motor Vehicle, and GAP). Loans are originated direct-to-consumer via an online portal, through a nationwide network of authorised brokers and dealers, and via a centralised Auckland-based sales team, with interest rates ranging from 7.95% to 22.45% depending on risk tier and security.

Product overview

Financial Holdings Ltd (FHL) is a 100% New Zealand owned and operated finance company providing a comprehensive suite of loan and insurance products. The core product portfolio centers on secured lending including Vehicle Loans, Personal Loans, Business Loans, and Marine Loans, with interest rates ranging from 7.95% to 22.45% depending on loan type and risk tier. The company extends its offering through complementary services: Credit Monitoring for identity fraud protection, Unique Solutions as a financial intermediary for specialized funding, Management services for running finance receivable books, and Bulk Finance facilities for dealers. The company also operates authorized dealer and broker partner programs (FHL Retail Dealer Finance and FHL Broker Finance) that enable third-party distribution. Additionally, FHL Insurance provides complementary insurance products including Consumer Protection Insurance, Payment Protection Plan Insurance, Motor Vehicle Insurance, and GAP Insurance, all underwritten by Protecta and Vero Insurance New Zealand Limited. The company has served New Zealanders for over 38 years, financing goods across retail, commercial, manufacturing, engineering, marine, property, and consumer credit sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Loans Secured and unsecured finance for vehicles with competitive interest rates starting from 7.95% p.a. and flexible terms from 6 months to 5 years; the vehicle serves as security for secured loans. Targeted at individual consumers and SMEs purchasing cars or fleets.
• Personal Loans Unsecured consumer loans for purposes including home renovations, retail purchases, and debt consolidation, with interest rates from 12.95% and terms from 6 months to 3 years. Available to individual consumers across all three risk tiers.
• Business Loans Secured finance for business assets such as plant and equipment, where the asset serves as security and must be fully insured. Targeted at SMEs acquiring productive assets and seeking fleet or equipment financing.
• Marine Loans Secured finance for boats and trailers with interest rates from 12.95% p.a. and terms from 1 to 3 years; the vessel serves as security, must be fully insured, and be less than 10 years old. Targeted at individual consumers and SMEs in the marine sector.
• Bulk Finance Non-recourse and recourse bulk financing facilities for dealers, where dealers write their own contracts and FHL purchases contracts meeting its credit criteria. Credit risk is managed through retention reserves tied to a risk-based pricing model. Targeted at motor vehicle and equipment dealers requiring wholesale funding lines.
• Credit Monitoring Credit file monitoring service that provides Veda Advantage credit file copies and automatic email alerts when the credit file is accessed or adverse information is recorded. Targeted at consumers seeking identity and credit-file protection.
• Unique Solutions Financial intermediary service that matches credit applicants with specialised funding providers for unique or non-standard credit requirements. Targeted at consumers and SMEs whose needs fall outside standard product criteria.
• Receivables Management Management of boutique finance receivable books for individuals, corporates, partnerships, and trusts, including debtor collection and court pursuit services. Targeted at lenders and funders seeking outsourced receivables administration.
• FHL Insurance Insurance products including Consumer Protection Insurance, Payment Protection Plan Insurance, Motor Vehicle Insurance (arranged through Autosure), and GAP Insurance, underwritten by Protecta and Vero Insurance New Zealand Limited. Premiums can be added to loans or paid independently. Targeted at FHL loan customers and dealer/broker clients.
• FHL Retail Dealer Finance Programme Authorised dealer programme allowing motor vehicle dealerships and plant and equipment retailers to provide simple finance solutions directly to their customers, with 24/7 online credit application access, instantaneous decisions, and optional GPS tracking for credit control. Dealers earn commissions and add-on revenue.
• FHL Broker Finance Programme Authorised broker programme enabling finance brokers to offer consumer credit and debt consolidation solutions to customers, manage customer portfolios, re-sell and look up existing loans, and offer new products with commission earnings.

Quantifiable outcome

• Approval time of 1 hour from application submission
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• AutosurecoreChannel Partner/ Reseller/ DistributorAutosure is a partner providing motor vehicle insurance products. FHL arranges motor vehicle insurance through Autosure, with policy documents and payment authority completed in-house along with the credit contract. Insurance can be paid fortnightly, monthly, quarterly by direct debit, or in full by credit card.
• Protecta InsurancecoreChannel Partner/ Reseller/ DistributorProtecta underwrites FHL Consumer Protection Insurance products, covering chattels in case of theft or damage under policy terms and conditions.
• Vero Insurance New Zealand LimitedcoreChannel Partner/ Reseller/ DistributorVero Insurance New Zealand Limited underwrites FHL insurance products including Consumer Protection Insurance and Payment Protection Plan Insurance.
• Veda AdvantagecoreTechnology or IntegrationFHL uses Veda Advantage for credit scoring and credit file monitoring. They offer VedaScore Plus enhanced consumer enquiry service and automatic credit file monitoring alerts.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Financial Holdings