Capital.
Discipline.
Performance.
United Capital is a leading private credit and real estate investment manager, delivering superior risk-adjusted returns through discipline, experience, and alignment.
Our Investment StrategyNZ$850M+
Capital Responsibly Deployed
15+
Years of Experience
48hrs
Pre-Approval Decision
72hrs
Certified Property Valuation
5 Days
Settlement Post-Approval
About United Capital
Disciplined Capital.
Enduring Relationships.
Based in Auckland, United Capital partners with property developers, investors, and businesses requiring structured capital solutions outside the mainstream lending market. We move quickly, price fairly, and stay accountable — from first enquiry through to settlement.
NZ$850M+
Capital Deployed
Across residential, commercial, and development assets since inception.
15+
Years of Experience
Navigating multiple market cycles with consistent underwriting discipline.
48 hrs
Pre-Approval Turnaround
Fast decisions backed by in-house credit and valuation capability.
What We Do
Three Capabilities.
One Aligned Team.
01
Private Credit
First-mortgage and mezzanine lending for residential and commercial property. We lend where banks cannot, with terms structured around the borrower's real timeline.
02
Real Estate Investment
Direct investment in New Zealand property on behalf of wholesale and institutional investors. We source, underwrite, and manage assets with full principal alignment.
03
AIP Fund
A structured vehicle offering investors diversified exposure to our private credit book. Quarterly distributions, transparent reporting, and capital preservation focus.