# Wholesale Investor NZ

> Wholesale Investor NZ is a directory of 400+ wholesale investment opportunities in New Zealand across private credit, venture capital, property, forestry, agriculture, infrastructure, and alternative assets. Coverage scopes to wholesale-only offers under Schedule 1 of the Financial Markets Conduct Act 2013 (FMCA). Wholesale Investor NZ is a directory service and does not vet, verify, endorse, or recommend any provider, fund, or offer; all fact-grounded data is sourced from the issuer's published Information Memorandum, Product Disclosure Statement, or regulator filing with provenance recorded in `internal_notes.citations[]` and surfaced at `/sources`.

The long-form bundle at `/llms-full.txt` inlines per-entity summaries for every provider, offer, and fund. Per-entity structured facts are available at `/api/{offer,provider,fund}/{slug}/{facts.json,summary.md}` and the per-IM extraction at `/api/im/{slug}/{facts.json,summary.md,markdown,changes.json}`. An MCP server is live at `/mcp` (11 tools, JSON-RPC 2.0, MCP spec 2025-03-26) for agentic discovery.

## About
Wholesale Investor NZ is a New Zealand directory listing wholesale investment opportunities. We aggregate 400+ investment opportunities across private credit, venture capital, property, and alternative assets for wholesale/eligible investors who meet Schedule 1 FMCA 2013 eligibility. WI is a directory service and does not vet, verify, endorse, or recommend any provider, fund, or offer.

## Target Audience
- Wholesale investors in New Zealand (meeting FMCA 2013 criteria)
- High-net-worth individuals ($5M+ net assets or $250K+ annual income)
- Active Investor Plus (AIP) visa applicants seeking eligible investments
- Family offices and institutional investors

## Key Investment Categories
- Private Credit (8-14% p.a. target returns)
- Private Equity (15-25% IRR target)
- Venture Capital (pre-seed to growth stage)
- Property Syndications (commercial, residential, development)
- Agriculture & Forestry
- Infrastructure & Renewable Energy

## Wholesale Investor Criteria (FMCA 2013)
To qualify as a wholesale investor in New Zealand, you must meet one of:
1. Net assets exceeding $5 million
2. Annual income of at least $250,000 in the last 2 financial years
3. Investing at least $750,000 in a single transaction
4. Being a qualifying trust or investment business

## Active Investor Plus (AIP) Visa (April 2025 rules)
For investors seeking New Zealand residency through investment:
- Growth category: NZ$5 million in approved active investments (venture capital, private equity, direct investment in NZ businesses)
- Balanced category: NZ$10 million across mixed assets (listed equities, bonds, managed funds, philanthropy)
- Must invest in NZ-based businesses creating jobs/value
- Eligible: Private equity, venture capital, direct growth businesses; listed NZX equities (Balanced only); NZTE-approved managed funds
- Generally not eligible: Passive residential property, pure cash/term deposits, permanent carbon forestry

## Key Pages
- /offers - Browse current investment opportunities
- /providers - View fund managers and wealth managers
- /funds - Explore investment funds
- /asset-classes - Filter by 12 categories: private-credit, private-equity, venture-capital, property, property-development, forestry, agriculture, infrastructure, equities (listed NZX/ASX/global), bonds (fixed income), multi-asset (diversified), fund-of-funds. Equities, bonds, multi-asset added 2026-05-20 (previously misfiled under private-equity / private-credit).
- /aip-eligible-funds - AIP visa compliant investments
- /evergreen-funds - Always-open NZ wholesale funds (open-ended subscription, no vintage waiting) — JSON at /api/funds/evergreen.json
- /compare/[a]/[b] - Side-by-side fund comparison pages with Sonnet-extracted IM/PDS/SIPO facts + verbatim source citations + hand-curated regulator-source provenance (NZTE AIP pre-approval, FMA MIS licensing, etc.) via internal_notes.citations. 113 pages live across Hunter/Midlands/Norfolk/PCG + PG Investments family (9 funds) + Devon family (9 funds) + Booster + Forest Enterprises (Blairlogie) + MyFarm (Solar/Kiwifruit/CQuest). Per-fund JSON facts at /api/im/[slug]/facts.json (includes facts, provenance, curated_citations, disclose_register_url, changes_endpoint), markdown at /api/im/[slug]/markdown, PDS reissue diffs at /api/im/[slug]/changes.json.
- /funds/by/[criteria] - Facts-driven fund listings filtered by Sonnet-extracted IM/PDS facts. 28 criteria live: redemption-(monthly|quarterly|annual|at-exit), min-(under-25k|under-50k|under-100k|250k-plus), lvr-(under-65|under-75), has-first-mortgage, pie-eligible, aip-growth, (monthly|quarterly|annual)-distribution, unit-trusts, limited-partnerships, mis-funds, management-fee-under-1pct, no-performance-fee, has-hurdle-rate, target-return-(7-10|10-plus), private-credit, venture-capital, forestry, disclose-listed. Each page emits ItemList JSON-LD + matched-fund cards with the extracted value highlighted.
- /funds-for/[persona] - Multi-criterion persona-driven fund pages (8 live): aip-growth-quarterly-under-100k, aip-growth-forestry-and-renewable, wholesale-monthly-income-first-mortgage, pie-eligible-wholesale, aip-balanced-bonds-and-equities, evergreen-wholesale-credit, regulator-source-verified, aip-growth-12pct-plus-target-return. Each combines 2-4 fact predicates against the Sonnet-extracted corpus.
- /changes - PDS / IM / SIPO reissue diff feed. When a manager reissues a disclosure document, the per-field diff appears here (target return moves, minimum changes, gate provisions added). Per-fund JSON at /api/im/[slug]/changes.json.
- /search/funds - Natural-language fund search with structured-constraint parser. Understands queries like "AIP growth funds with quarterly distributions under $100K" or "wholesale private credit 8%+ return monthly redemption". Maps natural language to facts_jsonb predicates + keyword matching.
- /qualify - Check wholesale investor eligibility
- /guides/wholesale-investing-nz - Comprehensive investing guide
- /faq - Frequently asked questions
- /for - Persona-based landing pages (AIP visa investors, HNW, income seekers, etc.)
- /learn - Glossary of wholesale investment terms (14 terms)
- /filtered - Filtered investment views by amount, structure, risk
- /compare - Side-by-side offer comparison tool
- /compare/private-credit-vs-term-deposits - Structural comparison: NZ wholesale private credit funds vs bank term deposits (legal structure, security, liquidity, tax, typical returns — informational, not advice)
- /compare/venture-capital-vs-private-equity - NZ wholesale VC vs PE funds (stage, hold period, capital call mechanics, representative funds)
- /compare/private-credit-vs-property - NZ private credit vs direct property/syndicate investment (yield profile, security, horizon)
- /compare/pie-vs-lp-structure - PIE vs Limited Partnership fund structures (tax treatment, capital deployment, redemption rights, representative funds of each)
- /compare/wholesale-vs-retail-funds - Wholesale (FMCA Schedule 1) vs retail funds (eligibility, disclosure, regulator protections)
- /portfolio-builder - Interactive portfolio allocation tool
- /uk-pension-transfers - UK pension QROPS transfer guide
- /blog - 15+ investment education articles

## Common Questions This Site Answers
- What is a wholesale investor in New Zealand?
- How do I qualify as a wholesale investor?
- What investments are eligible for the AIP investor visa?
- What are the best private credit funds in New Zealand?
- How do I invest in NZ venture capital?
- What is the difference between PIE and LP structures?
- What returns can I expect from wholesale investments?

## Providers Listed on Wholesale Investor NZ

### VC Fund Managers (20)
2040 Ventures, Altered Capital, Booster, Bridgewest Group, Cultivate Ventures, Ecliptic Venture Capital, GD1, Icehouse Ventures, Matū Karihi, Maūi Toa, Motion Capital, Movac, Nuance Connected Capital, NZVC, Pacific Channel, Point16, Previously Unavailable, Quidnet Ventures, Ryft, WNT Ventures.

### Fund Managers (34)
AAM, ACIF, ARC Capital, Aviation Aerospace New Zealand, Bancorp, Blossum, Castlerock Partners, Centuria, DE Capital, Devon Funds Management (MIS-licensed; 9 wholesale equity/bond funds incl. Devon Alpha, Trans-Tasman, Sustainability, Diversified Income, Global Impact Bond + Artesian Green Bond), Elevation Capital, Fidelity Capital Partners, First Mortgage Trust, Forest Enterprises (MIS-licensed since 1972, 30,000+ ha plantation forests, 6,500+ retail and wholesale investors, manager of Blairlogie Pine — NZTE AIP Growth pre-approved), ForthCo, Greener Pastures New Zealand, Greenmount Capital, Henton Capital, Hunter Capital, Midlands Funds Management, MyFarm Investments (Hastings-based, manages 3 NZTE AIP-pre-approved funds: CQuest Forestry, Solar, Kiwifruit), NetFunds, Newland, Obsidian Group, PCG, Peninsula Capital, PG Investments (Perpetual Guardian, 14 wholesale funds across NZ/Aus/Intl equities, bonds, multi-asset, alternatives), Pioneer Capital, PMG Funds, Roger Dickie (forestry+agriculture specialist since 1971, manager of Awatea Forest Fund + Dairy Enhancement Fund + Emerald Timberland Impact Fund), Seedling, Shaw and Partners, Southern Cross Partners, Squirrel.

### Private Credit & First Mortgage
Pallas Capital (Commercial Real Estate Debt, Trans-Tasman, A$3.5B AUM), Norfolk Mortgage Trust (First Mortgage, NZ$52M), Finbase (Direct Lender).

### AIP Visa Pre-Approved Funds (NZTE Acceptable Managed Funds list, current 2026-05-20)
Forest Enterprises Blairlogie Pine Investment (forestry, AIP Growth, $13,538 min, 29-year term, projected 9.8% IRR); MyFarm CQuest Forestry Fund LP (forestry, AIP Growth, $50K min wholesale); MyFarm Solar Fund LP (renewable energy/infrastructure, AIP Growth, $50K min); MyFarm Kiwifruit Fund LP (horticulture, AIP Growth, $50K min); Roger Dickie Emerald Timberland Impact Fund (forestry, AIP Growth, $500K min wholesale-only); Hunter Diversified Private Credit Fund (AIP Growth); PCG Diversified NZ Private Debt Fund (AIP Growth); plus 50+ other NZTE-pre-approved funds in the directory. See /aip-eligible-funds for the full list.

Roger Dickie Dairy Enhancement Fund (MIS, retail-eligible, $50K min) is also in the directory but is NOT on the NZTE AIP list — retail-class dairy farmland investment, not an AIP qualifying fund.

### Wealth Managers (4)
Alvarium, Craigs Investment Partners, Forsyth Barr, JMI Wealth.

### Angel Networks (5)
Angel Investors Marlborough, AngelHQ, Enterprise Angels, Flying Kiwi Angels, Mainland Angel Investors.

### Platforms (5)
Catalist, Jasper, NZTE Investment Live Deals, Snowball Effect, Syndex.

### Retail Platforms
InvestNow.

### QROPS / UK Pension Transfer Providers (4)
Garrison Bridge, NZ Britannia, NZ Funds, Ranfurly Superannuation.

### Property Developers & Syndicators
Quarry Capital (A$290M AUM, Christchurch), Southern Alps, Williams Corporation.

## Machine-readable data surface (for AI search + agents)

Per-entity JSON + Markdown (SSG, CORS-open, cache 1 hr):
- /api/offer/{slug}/facts.json
- /api/offer/{slug}/summary.md
- /api/provider/{slug}/facts.json
- /api/provider/{slug}/summary.md
- /api/fund/{slug}/facts.json — universal per-fund facts (works for ALL 119 active funds; merges row + provider + asset_class + curated_citations + fund_documents.facts_jsonb when present)
- /api/fund/{slug}/summary.md — universal per-fund markdown summary (key facts table + source documents + curated citations + provider)
- /api/im/{fund-slug}/facts.json — per-fund Sonnet-extracted facts merged across IM/PDS/SIPO, includes provenance + curated_citations (hand-edited regulator-source facts like NZTE AIP pre-approval, FMA MIS licensing) + disclose_register_url + changes_endpoint
- /api/im/{fund-slug}/markdown — full IM/PDS/SIPO body extracted from manager-published PDFs via pdftotext/Sonnet
- /api/im/{fund-slug}/changes.json — per-field diff between successive PDS reissues (v1 vs v2) when fund has multiple ingested versions
- /api/funds/evergreen.json — always-open NZ wholesale funds (no vintage waiting)
- /llms-full.txt — master index of every crawlable URL

## Remote MCP server (Model Context Protocol)

Anonymous, no auth. JSON-RPC 2.0 over HTTP POST. MCP spec 2025-03-26.

- POST https://wholesaleinvestor.co.nz/mcp

Tools:
- list_providers(asset_class?, city?, limit?) — Featured providers carry a `featured_disclosure` field.
- lookup_provider(slug) — full profile + funds + open offers + key people.
- list_funds(asset_class?, city?, is_evergreen?, aip_eligible?, limit?)
- lookup_fund(slug) — fund profile + linked provider + offers + IM/PDS docs.
- list_open_offers(asset_class?, limit?)
- lookup_offer(slug) — target return, minimum investment, fees, liquidity, IM/PDS.
- find_evergreen_funds(asset_class?, limit?) — load-bearing WI invariant: evergreen funds (is_evergreen=true) accept subscription continuously and do NOT need a paired offer row.
- find_aip_eligible_funds(limit?) — Active Investor Plus visa-eligible (Growth $5M / Balanced $10M NZD).
- compare_providers(slug_a, slug_b) — paired profile + fund counts + asset-class overlap.
- find_by_asset_class(asset_class) — providers + funds in that class.

Featured-tier disclosure: every featured row in every response carries a `featured_disclosure` field stating that placement is paid and does not imply FMA endorsement. Surface it to the user.

Wholesale-only context: every response payload ends with a `disclaimer` field citing FMCA 2013 Schedule 1 eligibility, the per-IM (not guaranteed) basis for target returns, and the need to read full documents + seek independent advice.

## Contact
- Website: https://wholesaleinvestor.co.nz
- Intelligence dashboard (providers): https://app.wholesaleinvestor.co.nz
- Email: hello@wholesaleinvestor.co.nz

## Legal
This platform is a directory service connecting wholesale investors with investment opportunities. It does not provide financial advice. All investments carry risk and may not be suitable for all investors. Verify your eligibility before investing.

Last updated: 19 May 2026