{"id":12982,"date":"2025-09-23T09:52:52","date_gmt":"2025-09-22T21:52:52","guid":{"rendered":"https:\/\/nzbusiness.co.nz\/?p=12982"},"modified":"2025-09-23T11:58:42","modified_gmt":"2025-09-22T23:58:42","slug":"lending-by-people-again","status":"publish","type":"post","link":"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again","title":{"rendered":"Lending by people again"},"content":{"rendered":"<h4><strong>MTF Finance is putting people back at the heart of lending. With a growing national network and a strong focus on SMEs, the New Zealand-owned lender is proving that local knowledge and personal relationships still make all the difference.<\/strong><\/h4>\n<p>When Chris Lamers reflects on the past three and a half years as CEO of MTF Finance, one theme comes through strongly. Connection. For him, finance is not just about numbers on a balance sheet, but about people, relationships, and trust.<\/p>\n<p>\u201cMTF Finance is a New Zealand-owned company, and what drives us is helping New Zealanders get ahead by making lending personal again,\u201d says Chris.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>\u201cIn a world where banking is increasingly digital and centralised, we\u2019ve deliberately invested in people on the ground, embedded in communities across the country. That makes all the difference.\u201d<\/p>\n<p>MTF\u2019s national office is based in Dunedin, where the company was founded more than 50 years ago. Despite its deep southern roots, the organisation has a growing national footprint, with 55 franchise offices spread across the country, a network that has grown by 10 percent in the past three years.<\/p>\n<p>Over the same period, MTF\u2019s receivables book has grown from $700 million to $1.1 billion. \u201cThat\u2019s 60 percent growth,\u201d says Chris. \u201cAnd importantly, we\u2019ve done it without a 60 percent increase in costs, which makes us more efficient and allows us to pass better pricing back to customers.\u201d<\/p>\n<p>The engine behind this growth is MTF\u2019s franchise model. Each local office is independently owned, with lending decisions made by people who live and work in the same communities as their customers.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>\u201cIf you\u2019re running a landscaping business in Silverdale for example, the local MTF franchise owner \u2013 Philip \u2013 probably knows you and understands the local market conditions. That means they can consider more than just what\u2019s written on a P&amp;L sheet, he can take character, reputation and local knowledge into account.\u201d<\/p>\n<h2><strong>A growing role in SME finance<\/strong><\/h2>\n<p>Around 35 percent of MTF\u2019s lending portfolio is now SMEs, a share that Chris expects to rise. \u201cTraditionally, we\u2019ve been known for funding tradespeople and small operators, like the classic \u2018tradie in a van\u2019. But increasingly, we\u2019re working with larger SMEs too, businesses employing dozens of people, often borrowing between $300,000 and $2 million. That\u2019s a gap in the market where tailored lending really matters.\u201d<\/p>\n<p>MTF has also begun funding franchise purchases through partnerships with established brands such as Hire-A-Hubby, Green Acres and Kitchen Studio. \u201cWe see strong potential in helping New Zealanders get into business ownership.\u201d<\/p>\n<p>He adds that the reasons SMEs seek funding are diverse: Everything from managing cash flow to investing in growth opportunities. Recent government incentives, such as the 20 percent upfront tax deduction on capital investments, have provided a boost. \u201cBut at the end of the day, most business owners we deal with simply want to keep growing sustainably, paying their staff, and looking after their customers.\u201d<\/p>\n<h2><strong>Non-bank lending comes of age<\/strong><\/h2>\n<p>The role of non-bank lenders like MTF in the business funding landscape has expanded significantly in recent years. According to Lamers, more than 1.7 million New Zealanders accessed finance from a non-bank lender last year. \u201cCompetition in financial services doesn\u2019t usually come from the big banks, it comes from specialist lenders. That\u2019s the case globally, and it\u2019s happening here too.\u201d<\/p>\n<p>What sets MTF apart, he says, is the personal touch. \u201cOf course we use digital tools and AI. But when you\u2019re running a small business, sometimes you just want to talk to someone who knows you. With us, you can call your local franchise owner directly on their mobile. They\u2019ll understand your business, and they\u2019re the ones making the lending decision. That\u2019s rare.\u201d<\/p>\n<p>The current economic climate remains challenging, with business confidence patchy across regions and industries. \u201cIt feels hard, especially in places like Auckland and Wellington, but if you step back and look at the numbers, there are plenty of businesses doing well. The South Island in particular is showing strength.\u201d<\/p>\n<p>Chris is cautiously optimistic about the next 12 to 18 months. \u201cI think we\u2019ll be in better shape as a country in a year\u2019s time than we are now. Growth won\u2019t just flick back on overnight, it\u2019ll be gradual. But confidence plays a big role. New Zealand is a great place to live and work, and we need to start believing that again,\u201d he says.<\/p>\n<p>For SMEs feeling the pinch, his advice is to keep the conversation going. \u201cIf you\u2019re having challenges, talk to your lender early and often. The more your financial partner understands your business, the more they can help. Our job is to sit alongside businesses and figure out solutions together.\u201d<\/p>\n<p><em>Discover the MTF difference, <a href=\"http:\/\/www.mtf.co.nz\" target=\"_blank\" rel=\"noopener\"><strong>here<\/strong><\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>MTF Finance is putting people back at the heart of lending. With a growing national network and a strong focus on SMEs, the New Zealand-owned lender is proving that local knowledge and personal relationships still make all the difference.<\/p>\n","protected":false},"author":15,"featured_media":13000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[466,469],"tags":[450,547,519],"magazine":[],"class_list":["post-12982","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-sponsored-content","tag-featured","tag-latest-issue","tag-lead"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lending by people again | NZBusiness Magazine<\/title>\n<meta name=\"description\" content=\"MTF Finance is putting people back at the heart of lending. With a growing national network and a strong focus on SMEs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lending by people again | NZBusiness Magazine\" \/>\n<meta property=\"og:description\" content=\"MTF Finance is putting people back at the heart of lending. With a growing national network and a strong focus on SMEs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again\" \/>\n<meta property=\"og:site_name\" content=\"NZBusiness Magazine\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NZBusiness\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-22T21:52:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-22T23:58:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nzbusiness.co.nz\/wp-content\/uploads\/2025\/09\/Chris-Lamers-Head-Shot-MTF-Office.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"David Nothling-Demmer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@nzbusinessmag\" \/>\n<meta name=\"twitter:site\" content=\"@nzbusinessmag\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Nothling-Demmer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again#article\",\"isPartOf\":{\"@id\":\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again\"},\"author\":{\"name\":\"David Nothling-Demmer\",\"@id\":\"https:\/\/nzbusiness.co.nz\/#\/schema\/person\/24c5b05ade62ca706bc48a0e8d3a686f\"},\"headline\":\"Lending by people again\",\"datePublished\":\"2025-09-22T21:52:52+00:00\",\"dateModified\":\"2025-09-22T23:58:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again\"},\"wordCount\":792,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/nzbusiness.co.nz\/#organization\"},\"image\":{\"@id\":\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again#primaryimage\"},\"thumbnailUrl\":\"https:\/\/nzbusiness.co.nz\/wp-content\/uploads\/2025\/09\/Chris-Lamers-Head-Shot-MTF-Office.jpg\",\"keywords\":[\"Featured\",\"Latest Issue\",\"Lead\"],\"articleSection\":[\"Finance\",\"Sponsored Content\"],\"inLanguage\":\"en-NZ\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again\",\"url\":\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again\",\"name\":\"Lending by people again | NZBusiness Magazine\",\"isPartOf\":{\"@id\":\"https:\/\/nzbusiness.co.nz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again#primaryimage\"},\"image\":{\"@id\":\"https:\/\/nzbusiness.co.nz\/finance\/lending-by-people-again#primaryimage\"},\"thumbnailUrl\":\"https:\/\/nzbusiness.co.nz\/wp-content\/uploads\/2025\/09\/Chris-Lamers-Head-Shot-MTF-Office.jpg\",\"datePublished\":\"2025-09-22T21:52:52+00:00\",\"dateModified\":\"2025-09-22T23:58:42+00:00\",\"description\":\"MTF Finance is putting people back at the heart of lending. 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