The Lending Room
The Lending Room is an independent New Zealand finance broker (FSP486566) that matches consumer and small-business borrowers to a panel of 20+ vetted NZ non-bank lenders via a single 5-minute soft-check application, charging a transaction-based broker fee on successful loan funding.
- Company typePrivate
- Founded-
- HeadquartersAuckland, New Zealand
- Headcount11–50
- GTM typeB2C
- OfferingServices
What The Lending Room does
The Lending Room Limited is an independent New Zealand finance broker (FSPR-registered, FSP486566) that operates a digital marketplace matching consumer and small-business borrowers to a panel of 20+ vetted NZ non-bank lenders and specialist finance providers. Borrowers complete a single 5-minute online application that triggers a soft credit check (no impact on credit score), and the platform matches the applicant to the lender on its panel most likely to deliver the best overall deal across rate, term and fees. The company is bound by the responsible lending principles in section 9C of the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and supervised by the Commerce Commission. Its product surface spans personal loans, car loans, boat and jetski loans, debt consolidation, home renovation loans, medical and dental loans, travel loans, visa-holder loans, business loans, and both secured (from 8.99% p.a.) and unsecured (from 10.99% p.a.) options, with loan sizes from NZ$3,000 to NZ$250,000 over 6 to 84 months. A supplementary loan repayment calculator is available as a top-of-funnel acquisition tool.
Under the hood, the platform combines a self-serve web application, an algorithm-based lender matching engine, and a phone-based support channel (09 928 6800). The matching engine uses applicant credit profile, loan amount, term and security to route to a single lender on the panel, rather than presenting multiple parallel offers. Same-day assessment is available on business days and same-day funding is possible when information (including bank statements) is submitted before 12pm. Multilingual social and support (English, Filipino, Hindi, Afrikaans) is used to acquire migrant and visa-holder segments that mainstream banks typically underserve.
The business model is transaction-based / take-rate. The Lending Room charges a broker/introducer fee of up to NZ$1,500 (GST inclusive) on successful loan funding and may receive lender establishment fees up to NZ$450; both are disclosed to the borrower upfront. The GTM motion is a direct-to-consumer digital funnel (website, calculator, organic social, email newsletter) with phone sales for application support and conversion. Customer segments are horizontal across personal loan use cases, car loan buyers, debt consolidation seekers, visa holders, and small business owners. The company holds no disclosed funding, has no public revenue figure, and appears to operate as an independent privately held entity.
The Lending Room firmographics
Firmographics- Name
- The Lending Room
- Legal name
- The Lending Room Limited
- Website
- https://thelendingroom.co.nz
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- The Lending Room is an independent New Zealand finance broker (FSP486566) that matches consumer and small-business borrowers to a panel of 20+ vetted NZ non-bank lenders via a single 5-minute soft-check application, charging a transaction-based broker fee on successful loan funding.
- Ownership category
- akta.pro rank
The Lending Room industry classification
Industry- Product category
- Consumer Loan Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
Keywords
Where The Lending Room is headquartered
LocationHeadquarters
- HQ city
- Auckland
- HQ country
- New Zealand
- HQ region
- Oceania
Markets served
The Lending Room business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Broker/Introducer Fee: Fee charged to the borrower upon successful loan funding. The broker receives payment only when the loan goes ahead, aligning broker interests with finding a suitable deal.
- Lender Establishment Fees: Fees charged by lenders (passed through or collected) upon loan establishment, up to $450 depending on the lender.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Secured loans from 8.99% p.a. |
| Transaction based/ take rate | Monthly | Unsecured loans from 10.99% p.a. |
| Transaction based/ take rate | Pay-as-you-go | Broker fee up to $1,500 |
| Transaction based/ take rate | Pay-as-you-go | Lender establishment fee up to $450 |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
The Lending Room product offering
Product offeringCore offering
The Lending Room is an independent New Zealand finance broker that matches borrowers to a panel of 20+ vetted non-bank lenders through a single application with a soft credit check. It offers personal, car, boat/jetski, debt consolidation, home renovation, medical/dental, travel, visa holder and business loans ranging from $3,000 to $250,000 over 6 to 84 months, with secured rates from 8.99% p.a. and unsecured from 10.99% p.a. The broker earns a fee of up to $1,500 (GST inclusive) upon successful loan funding and may collect lender establishment fees of up to $450.
Product overview
The Lending Room is an independent New Zealand loan broker (FSP486566) operating as a marketplace platform that matches borrowers to multiple vetted NZ lenders. Rather than offering a single product, it provides access to a panel of 20+ non-bank lenders and specialist finance providers through one application. The core offering is a loan matching service where borrowers complete a single 5-minute application with a soft credit check, and Lending Room matches them to the most suitable lender from their panel. The product portfolio includes Personal Loans, Car Loans, Boat and Jetski Loans, Debt Consolidation Loans, Home Renovation Loans, Medical and Dental Loans, Travel Loans, Visa Holder Loans, Business Loans, and both Secured (from 8.99% p.a.) and Unsecured (from 10.99% p.a.) loan options. Loan amounts range from $3,000 to $250,000 with terms of 6 to 84 months. A Loan Repayment Calculator tool is available as a supplementary feature. The platform charges a broker fee of up to $1,500 (GST inclusive) on successful funding and lender establishment fees of up to $450.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans A personal loan product for individuals to fund big purchases, consolidate debt, or cover unexpected costs. Loans range from $3,000 to $250,000 with terms of 6 to 84 months, secured rates from 8.99% p.a. or unsecured from 10.99% p.a.
- Car Loans Vehicle financing for cars, with secured rates starting from 8.99% p.a. Loans up to $250,000 over 6 to 84 months.
- Boat and Jetski Loans Financing for boat and jetski purchases, secured against the asset with competitive rates.
- Debt Consolidation Loans Loan product to consolidate multiple debts into a single manageable repayment, potentially securing a better rate.
- Home Renovation Loans Financing for home renovation projects, available as secured or unsecured loans from $3,000 to $250,000.
- Medical and Dental Loans Loans specifically for medical and dental procedures, with flexible terms and competitive rates.
- Travel Loans Financing for travel expenses, with loan amounts from $3,000 to $250,000.
- Visa Holder Loans Loans for visa holders living in New Zealand, requiring 13+ months remaining on work visa, regular NZ income, and good credit history. Lenders on the panel who work with visa holders are matched to applicants.
- Business Loans Business financing for term loans, working capital, and equipment finance. Matched to appropriate lenders from the panel based on business needs.
- Secured Loans Loans secured against an asset (typically a vehicle), offering lower rates starting from 8.99% p.a. and higher borrowing limits compared to unsecured options.
- Unsecured Loans Unsecured loans not tied to an asset, with rates starting from 10.99% p.a. Suitable for borrowers without collateral.
Quantifiable outcome
- No credit score impact from initial soft check assessment
- +2 more outcomes
Companies that use The Lending Room
Customer profileSegments5 records
Ideal customer profiles5 records
The Lending Room technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
The Lending Room partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core.
- Avanti FinancecoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Family FinancecoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Finance NowcoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Financial HoldingscoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Geneva FinancecoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Jade FinancecoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Lifestyle MoneycoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- MTFcoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- PioneercoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Unity NZ Lending Room LendercoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Personal Loan Corp NZcoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Oxford Finance NZcoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- Aotea Finance NZcoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
- AKF Finance NZcoreLender partner on The Lending Room panel offering personal and business finance solutions to matched borrowers.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
The Lending Room competitors and assessment
Company assessmentBroad incumbents
- Avanti Finance: NZ non-bank lender across personal, asset and business finance. Both a panel partner and a broader incumbent competing for the same borrower segments Lending Room serves.
- Heartland Group Holdings: Listed NZ non-bank lender offering personal, vehicle and reverse-mortgage products. Comparable as a supplier of capital to Lending Room's borrower flow and a direct competitor for the same end customer.
- Harmoney: NZ-listed P2P / digital unsecured personal-loan lender. Comparable as a non-bank NZ consumer-credit provider; sits on the lender side of Lending Room's panel rather than as a broker.
- MTF Finance: NZ non-bank vehicle and asset-finance lender. Operates in adjacent product territory (vehicle finance) and is both a panel partner and a direct competitor in NZ.
- Finance Now: NZ non-bank lender focused on personal and vehicle finance. Both a panel lender and a direct competitor with its own digital application experience for the same NZ borrowers.
Direct peers
- Squirrel Mortgages: New Zealand digital mortgage broker operating an adviser-led intermediation model. Closely comparable to Lending Room as a NZ-only intermediary between borrowers and a vetted lender panel.
- NZ Home Loans: NZ mortgage broker with multi-lender distribution. Comparable as a NZ-focused broker channel, though more weighted to residential mortgage origination.
- Mike Pero Mortgages: One of NZ's largest mortgage and consumer-loan broker networks, matching borrowers to multiple lenders. Comparable to Lending Room in intermediation model and NZ consumer target.
- Loan Market New Zealand: NZ branch-based loan brokerage distributing across multiple lenders. Comparable to Lending Room on intermediation business model and NZ consumer/SMB target market.
Others
- Canstar NZ: NZ consumer-finance comparison and research platform. Comparable as a digital channel influencing NZ borrower choice of lender, though it monetises via advertising rather than broker fees.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
The Lending Room social profiles
Digital presenceThe Lending Room compliance and trust
Trust signalCompliance2 records
The Lending Room financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Lending Room leadership team
Management profileNumber of profiles
The Lending Room funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Lending Room M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Lending Room
What does The Lending Room do?
The Lending Room is an independent New Zealand finance broker that matches borrowers to a panel of 20+ vetted non-bank lenders through a single application with a soft credit check. It offers personal, car, boat/jetski, debt consolidation, home renovation, medical/dental, travel, visa holder and business loans ranging from $3,000 to $250,000 over 6 to 84 months, with secured rates from 8.99% p.a. and unsecured from 10.99% p.a. The broker earns a fee of up to $1,500 (GST inclusive) upon successful loan funding and may collect lender establishment fees of up to $450.
Is The Lending Room a public or private company?
The Lending Room is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was The Lending Room founded?
The Lending Room was founded in -1. It employs 11 to 50 people.
Where is The Lending Room based?
The Lending Room is headquartered in Auckland, New Zealand, in the Oceania region.
How does The Lending Room make money?
Two revenue lines are on record. Broker/Introducer Fee is the primary driver. The others are lender Establishment Fees.
Who are The Lending Room's main competitors?
Broad incumbents on record are Avanti Finance, Heartland Group Holdings, Harmoney, MTF Finance and Finance Now. Direct peers are Squirrel Mortgages, NZ Home Loans, Mike Pero Mortgages and Loan Market New Zealand. Canstar NZ is listed as an others.
Does The Lending Room have an API?
No public API is recorded for The Lending Room.
What industry is The Lending Room in?
The Lending Room's product category is Consumer Loan Brokerage. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation. Its NAICS code is 522310 and its SIC code is 6163.