OURGROUP
The General Capital Group consists of General Capital, General Finance, and Investment Research Group (IRG), each serving a unique role. General Finance focuses on deposit taking and mortgage lending, while IRG provides investment research and corporate finance services. Together, they offer a suite of financial solutions, combining lending, investment, and advisory expertise to drive growth.
General Capital Limited is a financial services group listed on the NZX Main Board (NZSX), trading under the code GEN:NZ.
Shares can be bought and sold through any NZX participant, as well as a wide range of Investment Advisers in New Zealand. International investors may also trade General Capital shares through global stockbrokers and advisers who have established relationships with New Zealand associates.
General Finance is a New Zealand-owned and operated finance company, functioning as a wholly owned subsidiary of General Capital Limited. As a licensed Non-bank Deposit Taker (NBDT), General Finance accepts deposits from the public and provides loans secured over residential and commercial properties.
Investment Research Group (IRG) is a wholly owned subsidiary of General Capital Limited. IRG operates as a research house and investment banking firm, offering services such as investment advisory, corporate finance. As an NZX sponsor, IRG facilitates company listings on the New Zealand Stock Exchange, providing expertise in navigating the listing process.
BOARD OFDIRECTORS
At General Finance, our Board of Directors brings together a wealth of experience in finance, investment, and strategic growth. With a deep understanding of markets and a commitment to delivering sustainable value, they guide our vision and ensure we remain at the forefront of financial innovation.
Each member brings unique expertise, but together, they share a common goal: to empower businesses and investors with smart, forward-thinking financial solutions. Meet the leaders who shape our journey.
FINANCIALREPORTS
Full financial information is available in our most recent annual accounts.
The accounts for the last three years are available here:
Interim Financial Statements – 30 September 2025
Financial Statements for the year ended 31 March 2025
Interim Financial Statements – 30 September 2024
Financial Statements for the year ended 31 March 2024
Interim Financial Statements – 30 September 2023
Financial Statements for the year ended 31 March 2023
CREDITRATING
A credit rating is an independent opinion of the capability and willingness of an entity to repay its debts (in other words, its creditworthiness). It is not a guarantee that the financial product being offered is a safe investment. A credit rating should be considered alongside all other relevant information when making an investment decision.
General Finance has been rated by Equifax Australasia Credit Ratings Pty Ltd (“Equifax”). Equifax gives ratings from AAA through to C (excluding ratings attaching to entities in default).
On 27 June 2025, Equifax reaffirmed the credit rating of General Finance Limited as BB with a Stable Outlook. According to Equifax’s criteria, this rating is classified as “Near Prime” and has “Low to Moderate” risk level.
A copy of the credit rating report is available by clicking the link.
Also available at https://www.business.govt.nz/disclose, by searching the Register for offers by General Finance Limited.
DEPOSITORCOMPENSATIONSCHEME
Protecting your deposits – Peace of mind with General Finance
The New Zealand Government is introducing the Depositor Compensation Scheme (DCS) to provide eligible depositors with added confidence and security. This scheme is designed to protect up to $100,000 per eligible depositor, per licensed institution in the unlikely event of a failure.
The Depositor Compensation Scheme covers you up to $100,000 if your deposit taker fails, when your money is held in DCS-protected accounts.
What is the Depositor Compensation Scheme?
The DCS is a government-backed initiative to protect retail depositors by guaranteeing their deposits up to $100,000. Administered by the Reserve Bank of New Zealand, this scheme ensures that New Zealanders have greater financial protection when placing funds with licensed deposit takers.
How does it work?
- Covers up to $100,000 per depositor, per institution
- Applies to eligible products, such as term deposits, transaction accounts, saving accounts and notice accounts
- Compensation is paid by Government controlled entity
- Funded by levies on licensed deposit takers
What products are covered?
Under the Scheme, General Finance term deposits will be covered.
Who is eligible?
Anyone who holds money in term deposits with General Finance will be covered by the Scheme. In the event of the failure of General Finance, your term deposits will be protected by up to $100,000 by the Scheme.
General Finance’s commitment
We support the Government’s initiative to enhance financial stability and provide better protection for depositors. Our clients’ trust and peace of mind are our top priorities.
Learn more
To read more about the scheme, visit the Reserve Bank of New Zealand website or download the RBNZ DCS explainer brochure
If you have any questions, feel free to contact our team at investment@generalfinance.co.nz or call us at 0800 500 602.
PRODUCTDISCLOSURESTATEMENT
The Product Disclosure Statement for General Finance Limited has been lodged with the Register of Financial Service Providers.
The offer of Term Deposits by General Finance Limited is open for applications, from 3 February 2016.
Also available
https://www.business.govt.nz/disclose, by searching the Register for offers by General Finance Limited.
The Product Disclosure Statement refers to additional information being available on the Register at https://www.business.govt.nz/disclose. This additional information is available in documents on the Register called Key ratios and selected financial information and Ranking of debt securities
Alternatively, you can download the recent information here:
An Application Form accompanies the Product Disclosure Statement and is available by clicking this link.
Ranking of Debt Securities 31 March 2025
Key ratios and selected financial information 31 March 2025
Quarterly Report as at 30 June 2025
Quarterly Report as at 31 March 2025
FAIR CONDUCT PROGRAMME
General Finance is a financial institution subject to the financial markets (conduct of institutions) amendment act 2022 and is required to have a Fair Conduct Programme.
The summary aims to help consumers to :
- Be aware of how general finance will comply with the fair conduct principle, and
- Make informed decisions when dealing with general finance in relation to the products and services we provide; and
- Understand how to raise a complaint about our products and services when General Finance fails to treat consumers fairly.
A summary of the General Finance Fair Conduct Programme is available by clicking the link.
CompanyDirectory
General Finance
Issuer and Promoter
General Finance Limited
PO Box 1314, Shortland Street, Auckland 1140
Freephone: 0800 500 602
Telephone: (+64)9 526 5000
Email: investment@generalfinance.co.nz
Website: www.generalfinance.co.nz
Registered Office
Level 8, General Capital House, 115 Queen Street, Auckland, New Zealand
Banking Partners
Bank of New Zealand Limited
Westpac Banking Corporation
Heartland Bank
Securities Registrar
Computershare Investor Services Limited
Private Bag 92119, Auckland Mail Centre, Auckland, 1142
Level 2,159 Hurstmere Road, Takapuna, Auckland, 0622
Telephone: 09 488 8777
Facsimile: 09 488 8787
Auditors
Grant Thornton New Zealand
152 Fanshawe Street, Auckland CBD, Auckland 1010
Phone: 09 308 2570
Trustee
Covenant Trustee Services Limited
PO Box 4243
Shortland Street
Auckland, 1010
Telephone: 09 302 0638
Companies Office
Registrar of Companies
Private Bag 92061, Auckland Mail Centre, 1142
Freephone : Ministry of Economic Development Business Service Centre 0508 266 726
Facsimile : 09 912 7787
Website : www.business.govt.nz/companies/