Pay In Time New Zealand is the dedicated Aotearoa arm of the Pay In Time global agricultural finance network. We deliver specialist working capital, seasonal finance, livestock and equipment funding, dairy payout cycle bridging, and embedded vendor finance for AgTech across the New Zealand primary sector — from dairy in Waikato and Canterbury, to sheep and beef across the King Country and Southland, to kiwifruit and horticulture in the Bay of Plenty and Hawke’s Bay, to viticulture in Marlborough and forestry nationally.
Why Pay In Time New Zealand: Purpose-built ag finance with deep understanding of dairy payout cycles, Fonterra supplier dynamics, kiwifruit pre-harvest finance, and the structural cash flow patterns of NZ primary production. Broker and adviser network with co-branded program. Capital partner panel including NZ institutional credit, Australian super funds with trans-Tasman mandates, and bank co-lending relationships.
Core Product Suite (NZ): Seasonal working capital lines NZD $50k–$5M. Dairy payout cycle bridging finance. Livestock and breeding finance. Plant, equipment and irrigation finance. Kiwifruit and horticulture pre-harvest finance against forward Zespri / pack-house contracts. Receivables and trade finance for primary sector exporters. Embedded vendor finance for AgTech and equipment dealers. Capital partner facilities NZD $10M–$100M+ forward-flow.
Three Ways to Engage: (1) Brokers and Advisers — join the NZ Broker Network Program for co-branded ag finance solutions and structured commissions. (2) Capital Partners — participate in forward-flow facilities or programmatic co-lending into NZ agricultural credit. (3) AgTech Vendors — embed Pay In Time at point-of-sale across NZ farms and orchards.
Compliance: Pay In Time New Zealand is a trade name of REALM Group Global. Credit products are originated and funded by licensed New Zealand lending partners in compliance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Financial Service Providers (Registration and Dispute Resolution) Act 2008 where applicable. Commercial finance is provided to wholesale and business clients only. This page is general information and does not constitute financial product advice or an offer to lend.
