flolend
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About Flolend

Lending software built for NZ by a locally based team

New Zealand lending software, built by locally based Kiwis who have bought and sold property, assessed credit and built the systems NZ lenders run on.

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A New Zealand lifestyle property in Central Otago

About Flolend

One platform for the whole life of a loan

Flolend is a New Zealand lending platform for non-bank lenders, finance companies and private lenders. It brings applications, credit, documents, settlement, servicing, arrears and payouts into one secure system, connected to the registers New Zealand lending runs on.

We are New Zealand owned and supported from here, in your time zone, by people who understand how a local deal comes together.

  • Origination to dischargeOne system from the first enquiry to the final payout and security release.
  • Connected to New Zealand registersCompanies Office, PPSR, LINZ and direct debits work inside Flolend.
  • Secure cloud infrastructureHosted on Supabase and AWS, with SOC 2 Type 2 and ISO 27001 certified infrastructure, encryption and daily backups.
  • Controls that scale with your teamSix staff roles, more than 50 permissions, branded portals and AI agents that never exceed a person’s access.
Callum McKenzie, founder of Flolend

The story behind Flolend

I’ve spent 14 years writing software, and along the way I bought and sold more than 50 properties. For the last four years I’ve built finance systems and worked inside New Zealand lending across both credit and tech.

Everywhere I looked, I saw the same problem. Lenders were paying for bespoke systems, or stitching together platforms that were never designed for New Zealand, then copying and pasting data between them and fixing what broke along the way.

So I built one system nearly any New Zealand lender can use, with the registers, rules and workflows of local lending already inside it.

Callum McKenzieFounderBachelor of Business, Finance major

Lending knowledge built in

Company structures, guarantors, securities, conditions and payouts work the way a New Zealand deal does.

Talk to the person who builds it

No support tiers or account managers. Your question goes straight to the person who can change the software.

New features in days, not years

Tell us what would make your day easier. Good ideas often ship within days.

Made for New Zealand lending

PPSR, LINZ titles, the Companies Office and direct debits are built in, not bolted on.

Frequently asked questions

How is our data kept secure?

Your data is encrypted in transit and at rest, backed up daily and hosted on Supabase and AWS infrastructure that is independently certified to SOC 2 Type 2 and ISO 27001. Inside Flolend, staff roles, permissions and a full activity history control who can see and change each loan. Our own access is limited to support and improving the platform, under strict confidentiality.

Read about data and access

How is Flolend different from other lending systems?

Many lending systems began life as desktop software, with modules licensed separately, upfront licence fees and extra charges for hosting and changes. Flolend is built for the cloud from day one. Every feature is included on every plan, with no upfront licence fees and no lock-in contracts.

See pricing

Why does a specialist team make a difference?

The people who design Flolend are the people you talk to. There are no account managers or ticket queues between your question and the answer, and improvements ship in days instead of waiting for the next annual release. We focus on one thing: New Zealand lending.

How often does Flolend improve?

Every week. Updates are delivered automatically in the cloud, so there is nothing to install and every lender is always on the latest version.

What happens to our data if we leave?

Your data belongs to your business. We’re confident enough in Flolend that we don’t need lock-in contracts. We’d rather earn your business every month. You’re free to leave whenever you like, and we’ll help you take your data with you.

How quickly can we get started?

Set up your products, documents and users yourself, at your own pace. If you would rather hand it over, Setup for you gets your team ready without the busywork.

See setup options

Talk to the person who builds it

Show me how your team works and where the time goes. I’ll show you how Flolend can make your lending day easier.

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