RAM New Zealand Credit Fund
Managed by Real Asset Management (NZ) Limited
Overview
The RAM New Zealand Credit Fund is a closed-ended private credit fund managed by Real Asset Management (NZ) Limited in Auckland. It provides debt capital to New Zealand SMEs both directly and through structured finance facilities with established non-bank lenders, holding a diversified portfolio of secured, asset-backed New Zealand credit with no exposure to private equity or corporate lending. The fund targets stable income and is available to wholesale investors only. It is an approved managed fund under the Active Investor Plus Growth category and may also form part of a Balanced-category AIP portfolio.
Fund Overview
The RAM New Zealand Credit Fund is an approved managed fund under the Active Investor Plus (AIP) Growth category (and may form part of a Balanced-category portfolio), managed by Real Asset Management (NZ) Limited (FSP1011247). It channels debt capital to New Zealand SMEs directly and through structured finance facilities to established non-bank lenders, holding a diversified portfolio of secured, asset-backed New Zealand credit — approximately 95% loan investments and 5% cash products — with no exposure to private equity or corporate lending. The manager targets stable income of approximately 4% net p.a. Wholesale investors only (FMCA Schedule 1, s3(2)/3(3)(b)). Source: RAM New Zealand Credit Fund fact sheet (2026).
Asset Class
Private Credit
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Quick Info
This information is for wholesale investors only and does not constitute financial advice. All investments carry risk. Please seek professional advice before making investment decisions.
Frequently Asked Questions
What is RAM New Zealand Credit Fund?
The RAM New Zealand Credit Fund is an approved managed fund under the Active Investor Plus (AIP) Growth category (and may form part of a Balanced-category portfolio), managed by Real Asset Management (NZ) Limited (FSP1011247). It channels debt capital to New Zealand SMEs directly and through structured finance facilities to established non-bank lenders, holding a diversified portfolio of secured, asset-backed New Zealand credit — approximately 95% loan investments and 5% cash products — with no exposure to private equity or corporate lending. The manager targets stable income of approximately 4% net p.a. Wholesale investors only (FMCA Schedule 1, s3(2)/3(3)(b)). Source: RAM New Zealand Credit Fund fact sheet (2026).
Who manages RAM New Zealand Credit Fund?
RAM New Zealand Credit Fund is managed by Real Asset Management (NZ) Limited (FSPR FSP1011247, NZBN 9429053228338) based in Auckland, New Zealand. Manager registration on the Financial Service Providers Register is a legal requirement under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 and does not itself constitute an endorsement.
What asset class is RAM New Zealand Credit Fund?
RAM New Zealand Credit Fund is classified as Private Credit on Wholesale Investor NZ. Asset-class classification reflects the fund's stated investment focus per its Information Memorandum and is provided for navigation purposes only — review the IM for the full strategy and risk profile.
Is RAM New Zealand Credit Fund evergreen or a closed-end fund?
RAM New Zealand Credit Fund is a closed-end fund — it raises capital during a defined vintage window and runs to fund maturity. Capital is typically returned via distributions during operation and a final wind-up at fund maturity. Check whether a current vintage is open before applying.
Is RAM New Zealand Credit Fund wholesale-only?
Yes — RAM New Zealand Credit Fund is offered on a wholesale-only basis under Schedule 1 of the Financial Markets Conduct Act 2013. Subscription requires self-certification under one of the seven Schedule 1 pathways (typically the NZ$5M net-assets "large person" pathway or an accountant- or lawyer-signed eligible-investor certificate per Clauses 38-40). Wholesale-only funds do not publish a retail Product Disclosure Statement and do not appear on the Disclose Register.
Is RAM New Zealand Credit Fund eligible for the Active Investor Plus (AIP) visa?
RAM New Zealand Credit Fund is flagged as AIP-eligible on Wholesale Investor NZ, indicating it appears (or has appeared) on NZTE's Acceptable Managed Funds list for AIP visa applicants. The visa requires NZ$5M (Growth Category, 36-month hold) or NZ$10M (Balanced Category, 60-month hold) in acceptable investments held continuously for the full period. Eligibility determination sits with NZTE + Immigration NZ — verify against the live NZTE list before relying on this classification, and see our AIP eligibility guide for the full statutory framework.
Where can I read the IM or PDS for RAM New Zealand Credit Fund?
RAM New Zealand Credit Fund is a wholesale-only fund and the manager does not publish a retail-accessible Information Memorandum on Wholesale Investor NZ. Wholesale-only funds typically share the IM directly with prospective investors after a Schedule 1 self-certification under the Financial Markets Conduct Act 2013. Contact the manager to request the IM and the certification process.