Invest in the next generation of promising Fintechs with NZFF.

Our mission is to fuel the next wave of financial technology start-ups within New Zealand by backing the founders from early-stages. Investing with NZFF provides you access to NZ’s most exciting Fintech companies from day one.

About our fund

NZFF is a collaboration between Point16 and Icehouse Ventures. It's been developed to support Kiwi Fintech founders, delivering the capital, connections, and industry expertise needed for rapid success in a complex and changing environment.

  • Fund Size: $8–10M target

  • Investment Min: $50K (drawn over 2 years)

  • Target Return: 25%+ IRR

  • Carry Structure: 20% over 8% hurdle

  • Fees: 2% p.a. for 5 years

  • Structure: Nominee / bare trust

  • Eligible Investors: Wholesale only

  • AIP Approved Fund Learn more about AIP

We’re Fintech Experts

Unlike generalist funds, NZFF is purpose-built for Fintech. We bring deep Fintech knowledge, a wide-angle view of the evolving financial ecosystem.

Support Beyond Capital

We invest early and stay close. That means more than capital - we offer high-conviction backing, strategic guidance, and hands-on help when it matters most.

Unlock Valuable Connections

We’re building a high-trust ecosystem to elevate New Zealand’s Fintech landscape together. We provide access to a curated network of industry insiders, from banks and regulators to payment schemes and infrastructure players.

We’ve helped shape some of New Zealand’s most successful Fintechs, and we’re just getting started.

We have a solid track record of investing in early stage Fintech, some of the Fintechs we’ve funded and advised before setting up NZFF include Akahu, Hnry, Sharesies, SquareOne and First AML.

In 2019, the Point16 directors established the Sustainable Lifestyle Fund (SLF), a boutique private equity fund. SLF buys small kiwi businesses and holds them for long term dividends. Since 2019 the value of the SLF fund has doubled.

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Invest with confidence through the Icehouse Ventures platform

Icehouse Ventures bring their world-class investor platform for on-boarding, investment management, and portfolio reporting. Open now to wholesale investors who want to support the next generation of Kiwi Fintech founders.

We’re proud to be an Approved Investment Program (AIP) Fund

Being a AIP Fund makes us eligible for investor migrants under New Zealand’s Active Investor Plus visa. It’s a powerful way to invest in the future of NZ Fintech while meeting visa requirements.

FAQs

  • The New Zealand Fintech Fund is open to wholesale investors as defined by the Financial Markets Conduct Act 2013.

  • NZFF backs ambitious Fintech founders building the future of financial services in New Zealand and beyond. We invest early — typically at pre-seed, seed, or Series A — where our capital, Fintech expertise, and networks can create the most value.

    We have high conviction in areas where regulation, technology, and consumer behaviour are driving change:

    • Lending – new models serving consumers or SMEs

    • Neobanks – full-service digital-first banking

    • Embedded Finance – financial tools integrated into everyday user flows

    • SME Financial Services – better products for underserved Kiwi businesses

    • Infrastructure & RegTech – APIs, BaaS, compliance, fraud, and identity solutions

    Explore our portfolio of early fintech investments to see the kind of ventures we’ve already backed.

  • While past performance is not a guarantee of future results, the NZFF team brings strong historical experience in fintech investing. Across 23 early-stage fintech investments over the past 6 years, our partners have achieved an unrealised IRR of over 50%. NZFF Fund 1 is targeting a 25%+ annualised IRR, though actual returns will depend on market conditions and portfolio performance.

  • The New Zealand Fintech Fund is open to wholesale investors as defined by the Financial Markets Conduct Act 2013.

    The process is simple:

    1. Confirm your eligibility – Ensure you meet the criteria to be considered a wholesale investor under New Zealand law.

    2. Connect with us – Email us at hello@nzfintech.vc to receive the full Information Memorandum and have any questions answered.

    3. Review & Commit – After reviewing the fund details, investors can commit a minimum of $50,000.

    4. Onboarding – Icehouse Ventures manages investor onboarding and compliance via their investor portal.

    5. Invest & Engage – Once onboarded, investors receive bi-monthly updates, access to co-investment opportunities, and the ability to participate in NZ’s fintech growth story.

  • Yes we are! The New Zealand Fintech Fund (NZFF) is proud to be an Approved Investment Programme (AIP) Fund, offering investor migrants an opportunity to support and benefit from New Zealand’s growing Fintech sector while fulfilling their investor visa requirements. Learn More.

Ready to invest in the future of Kiwi Fintech?

Back ambitious founders of some of NZ’s most promising Fintech ventures.