Overview

Blossum is a New Zealand–owned private credit manager specialising in secured, property-backed lending to residential, commercial, development and SME borrowers across the country. We provide investors with access to professionally-managed, asset-secured loan portfolios, offering attractive risk-adjusted returns while supporting businesses that drive New Zealand’s economic growth.

Our strategy focuses on preserving investor capital, generating consistent monthly income, and maintaining robust credit discipline through strong governance, prudent loan selection, and active portfolio monitoring.

Investment Highlights

• Fixed Returns: 8% p.a, tax capped at 28%
• Security: All loans are secured against NZ real property
• Diversification: Exposure to a portfolio of residential, commercial, development and selected SME loans
• Monthly Distributions: Income paid monthly to investors
• Professional Governance: Independent Investment Committee, legal oversight and structured credit processes
• Track Record: Blossum has never lost investor capital and has maintained a 100% repayment record across all loans originated
• Alignment: Co-investment by Blossum and strict lending criteria reinforce investor alignment
• Fast-Growing Sector: Private credit is one of NZ’s fastest-expanding asset classes as traditional bank lending tightens

Investment Objective

The Trust aims to provide wholesale investors with:

• Regular monthly income distributions
• Exposure to a diversified portfolio of secured loans
• Risk-adjusted returns, primarily through interest income
• Preservation of investor capital through conservative credit settings and ongoing monitoring

Note: Returns are not guaranteed. Investment involves risk, including borrower default and property market changes.

Our Investment Strategy

Our focus is to generate stable, risk-adjusted returns through a diversified private credit portfolio with:

• Primary allocation to first mortgages for capital protection
• Selective second mortgages offering higher returns for appropriate risk/reward balance
• Exposure limits on development, commercial and SME lending
• Portfolio LVR and concentration controls in line with our SIPO
• Active monitoring of all loans, covenants, valuations and milestones

Blossum prioritises capital preservation first, followed by consistent income generation.

Why Investors Choose Blossum

Wholesale investors engage with Blossum for our measured and disciplined approach to private credit:

• Property-secured lending only All loans are supported by registered security interests.

• Capital preservation first Conservative loan-to-value ratios and strong security coverage.

• Predictable income focus Structured interest income rather than speculative capital growth.

• Active credit oversight Ongoing monitoring throughout the life of each loan.

• Governance-led decision making Formal credit policies, approval processes, and investment oversight.

• Long-term investor relationships Focus on repeat investors and sustainable deployment, not one-off transactions.

About Blossum

At Blossum, we believe that when New Zealand’s businesses thrive, communities thrive alongside them. Our mission is to foster the success and growth of New Zealand SMEs by providing property-secured lending. In doing so, we offer wholesale investors access to transparent and income-generating investment opportunities.

Our Mission

We seek to empower investors with thoughtfully structured investment options designed to seek to protect and grow wealth, while enabling SMEs to access the capital they need to expand and create economic value.

Our Vision

We envision a future where investors can seek to build their financial journey through opportunities secured by real assets, guided by disciplined governance, and focused on creating long-term value.

Our Values

• Commit to the Client – We prioritise clarity, transparency and trustworthy guidance.
• We Before Me – We operate as one team with shared accountability and integrity.
• Own the Keys – We take full ownership across origination, credit assessment, loan servicing and investor reporting.
• Seek Growth – We continuously evolve our processes, technologies and capabilities to deliver better outcomes for investors and borrowers.

Our Symbol

Our navy-blue and gold flower symbolises enduring growth, resilience and prosperity—representing how Blossum partners with investors and businesses to help their wealth bloom

How Investors Participate

Wholesale investors may invest through units in the Blossum Wholesale Unit Trust, which pools capital to fund a diversified book of secured loans.

• Investment Type: Units in a wholesale managed investment scheme
• Investor Eligibility: Wholesale investors under the Financial Markets Conduct Act
• Minimum Investment: $150,000
• Distributions: Monthly
• Withdrawals: Lock-up period is 6 months. After 6 months, withdrawals on 90 days notice (subject to liquidity and fund terms)
• Security: Mortgage-backed loans

Full details are available in the Information Memorandum and Supplemental Documents.

Key Risks

As with all investments, risks exist. Key risks include borrower default, property market fluctuations, liquidity constraints and valuation uncertainty. These are mitigated through diversified lending, conservative LVR limits, active monitoring, and strong credit governance. A full description of risks is provided in the Information Memorandum.