Our fees have changed (for the better, we believe!). Learn more here: pldg.me/feeschanged


PledgeMe.Lend helps companies and organisations borrow from their crowd to fund the things they care about. These campaigns offer loan notes in return for pledges, connecting your crowd into your organisation’s borrowing. If the campaign meets its minimum target, pledgers become lenders, and are repaid over time with interest at a rate set by the borrower.

Check out our guide on how to PledgeMe.Lend

The benefits

Purple star 3019d1554742328ba556d564287a0b09be7cddd180bc32a537115d11d4488736

Crowdlending campaigns make it easier for borrowers to raise money by:

  • simplifying the process
  • widening the reach of campaigns
  • Changing the way you borrow
Purple cursor 0468b170bc8ed302a817df2a8c746293b8e418be1d2f64e66d36797e569d84bb

PledgeMe provides interactive tools to help companies:

  • reach their goals
  • repay their loan
  • maintain ongoing relationships with lenders
  • increase transparency

Get inspired

Here are a few examples of campaigns to inspire you to think outside the box.
Lend eatmylunch 83ba77d84263acaa398f52ed3c9069d726cf7bab1ed93eac709a9b7de9723c1f

Eat My Lunch


Auckland based social enterprise Eat My Lunch raised over $800,000 from their crowd to expand to Wellington and feed more hungry kids. Their Lunch Bonds let their lenders choose from a mix of social and financial reward, with their pledges feeding more kids as well as earning interest.

Lend denheath d5be5eb7c3829e2b167473f870faea9f7937ca892c5ca190eb51d7f44d246556



Denheath Corporation Limited raised over $379,000 for their “World Custard Invasion”. They offered loan notes to their crowd with an 8% interest rate to be repaid over 5 years. They raised the money to fund the upgrade of their Timaru based factory, to increase exports, and to grow regional employment in their local area.

Creating a lending campaign

If you still have questions about creating an equity campaign, check out the FAQs below and our comprehensive How to Lend guide! If you've still got some questions, feel free to contact us.

How much does it cost?

PledgeMe.Equity creator

6.5% success fee (zero rated) charged to campaign creator if goal met by deadline


$3,000 + GST for 6 session programme. Required for all Equity and Lending campaigns. Reduced to $750 + GST for campaigns under $100,000

You may incur additional costs launching and running your campaign, ranging from legal and accounting to design and comms. 


What is CrowdfundingU?

CrowdfundingU is PledgeMe’s programme to make sure your equity crowdfunding campaign is in the best shape it can be before it goes live. Over the six sessions, we help you build, plan, and generate a buzz around your campaign. The programme focusses on key areas of crafting your pitch and connecting with your crowd. There is a one-off fee of $3,000+GST for this for larger campaigns, and $750+GST for campaigns aiming to raise less than $100,000. You could get match funded by your local Economic Development Agency through their capability vouchers. 

For more information on CrowdfundingU check out this page.


Who is going to pledge on my equity campaign?

Your crowd. These could be family, friends, existing business partners, and/or customers. To run a successful campaign you’ll need to engage with them: tell them why you need the investment, and talk to them about what's in it for them. If you have a good investment proposition, activate your crowd and get them to tap into their networks your campaign will spread to the general public. You’ll need to use all the tools in your toolkit to get your campaign out there — social media, traditional media, phone calling, launch parties… Whatever gets awareness about your campaign raised in a fun and interesting way.


What kind of information do I need to share to get my crowd on board?

Your campaign should be part story and inspiration, and part cold hard facts. You’ll need to talk about your company, your team, and why you need investment and also your current financials, three year projections, and valuation of your company. We highly recommend a pitch video, and offering your crowd rewards as an immediate return for their investment. And, for the love of all that's good, if you're making a claim, reference it and show your assumptions. You’re not allowed to include misleading or deceptive claims in your campaign.


How do I get my campaign up and running?

Head along to the “Create” tab and enter your details into the equity campaign request. Then we'll be in touch to get you set up for CrowdfundingU.


How quickly can I go live?

Before your first equity crowdfunding campaign you’ll need to run through our CrowdfundingU programme. This takes up to six weeks and will prepare you and your company for running a crowdfunding campaign. During this time PledgeMe will work with you to get your campaign into the best possible shape it can be. Our experience in this space shows that the most successful campaigns require (at least) several weeks of planning, priming and positioning before going out to your crowd.


Can I raise investment through PledgeMe more than once?

You sure can! The only limitation is a cap on raising more than $2 million per year through equity crowdfunding. If you’re looking to create a more than one campaign in any year we’ll walk you through that. You will need to think about how future investment could affect your status under the Takeovers Code (eg. if you have more than 50 shareholders). There is more on this in the Equity Crowdfunding guide.


Is there anyone that can help me with this?

PledgeMe is here to help. We will give you feedback on your campaign and are happy to chat if you need more support. You will learn a lot during CrowdfundingU, and can read our education guide.


If you’re looking for some crash course in DIY crowdfunding online, here are a few links you should check out:


If you need help doing things like making your pitch video of financial forecasting, we know people who can lend a helping hand.


You might also want to talk to your local economic development agency, incubator, or read through the Investment Ready Guide by NZTE.


Is there a cap on how much someone can invest?

No. The only cap is for companies seeking investment. Investors can put as much money into shares through PledgeMe as they want. However, it is important to remember that when you’re investing, startup companies are risky — so invest in companies you believe in and think you’ll get something in return for your money.



What if someone steals my idea?

It’s all about execution. You need money and support to turn your idea into reality. Crowdfunding is a great way to get both. At some point you’re going to have to let the idea out of the bag. If you're not quite ready to do that then it probably isn't the right time to try equity crowdfunding!


Who is in charge of managing shareholders?

You are ultimately responsible for managing your shareholders. To help you PledgeMe has built an online communications portal as a convenient way to stay in contact with them. It’s up to you (or your appointed director) to create discussions and decisions for your shareholders within the portal. You’ll also need to send out annual reports, and invite your shareholders along to your AGM. Even if you don’t use our comms portal, it is best practice to keep your shareholders in the loop. They’re your crowd so give them something to cheer about.



Is it just about the money?

Nope. There is so much more your investors can offer. As, one of our favourite CEO’s recently told us, this “isn’t dumb money, it’s love money”. And there’s so much more that comes with it than just cold hard cash.


Do I need to repay the money?

As long as you haven't mislead your investors, no. They've taken a risk to invest in you. In saying that, you should do all you can to achieve the forecasts you gave them.



Can I direct people to my campaign before it launches?

Yes! Once we have approved your campaign and you have added a picture and a blurb, PledgeMe can make it so your campaign appears on the site as "coming soon".


This allows potential pledgers to follow your campaign and receive a notification when your campaign goes live.



Can my campaign be private?

Yes! It’s super simple: select the private option when you’re setting up your campaign.



What does making my campaign private mean?

Selecting a private campaign means that your campaign won’t be visible on the main page or be searchable on PledgeMe. Only people who have the link will be able to visit your campaign page. This means you have a bit more control over who sees your information while still going through the PledgeMe process. Other than the extra privacy, there aren’t really any other differences to normal campaigns.



Why would I choose to do a private campaign?

There are two main reasons you might want to run a private campaign: doing a friends and family and/or initial investment round or just not wanting to show the world what you’re up to yet.


Either way, PledgeMe’s platform provides you with a simple way of getting your offer out to your crowd and allowing them to invest.



What's the difference between doing a public and a private campaign?

In terms of readying your company for accepting investment: nothing.


Regardless of running a public or a private campaign, a company is going to need to follow the same process to putting forward an offer on our platform. The only difference is that instead of the offer being visible to anyone on pledgeme.co.nz, it will only go out to those you choose to share it with.


One potential difference for a private campaign is that some of the costs around getting your campaign ready may be reduced or eliminated (compared to public campaigns). Things like pitch videos cost money and, depending on the private campaign, may not be necessary.


What is the Shareholders Portal?

PledgeMe’s Shareholder Portal provides a space for you to have ongoing private communication with your shareholders.


You can use it for general discussions, monthly shareholder updates, requests for advice / support, and to vote on resolutions.


The portal is great because

  • it stores your communication and interaction with shareholders in one place,

  • reduces email overload,

  • makes your shareholder discussions many to many (instead of oldschool 1:1), and

  • allows engagement and actual discussion with your crowd!


There is a fee of $25 (plus GST) per month, first two months free. It’s optional to use this service.

About lend campaigns 67b41a97eca0d3fa7db23d431c2e0a07b8e7e772d97d5fe83f619ce4ce3b09b3

Pledging on a lending campaign

Want to learn more about becoming an investor? Read the FAQ's below. Trying to figure out how to register and pledge to lend? Check out this guide. Still confused? Send us an email.

How do you take my pledge to invest?

There are two ways to pledge to invest, via credit card or bank deposit. Pledging using a credit card generates a token and we charge your card the day after the campaign successfully finishes and you've been verified. Paying by credit card incurs a 2.5% + 25c fee, to be paid by you.


Direct bank deposits are free for all! Once the campaign meets it's goal and you've been verified, we will email you our bank details including a reference number to use when making the transfer. We hold your pledge in a trust account until the the company's share register has been updated.


What is the register button for?

Registering to invest means you have acknowledged startup investment is risky, and you’ve provided your legal name, postal address, date of birth, and passport / drivers license details (or uploads) and that it is all legit.


You only need to do this if you want to pledge to invest and you only need to do it once.

What happens if the company I’ve pledged to doesn’t make their goal? You won’t be charged. If the goal is met, you will be charged the next business day (via your credit card) or be required to pay within 5 working days.



Do I get to keep in touch with the company after I invest?

Most definitely. You can keep in touch with them through PledgeMe’s built in communication portal if they choose to use it. We also hope you’ll meet the team in real life as well. You’ve just signed up for an ongoing relationship with them — and they might ask for your brains at some point!


How do I know the company won’t run away to Rio?

PledgeMe runs background checks on company directors and sizes up companies before equity crowdfunding campaigns go live. The biggest weapon against getting ripped off is your own early warning system: if the investment proposition doesn’t add up, or you don’t trust the entrepreneur, don’t invest!


Are you guys, like, angels?

Although Team PledgeMe is pretty divine, we’re not an angel group. There’s no lead investor, we leave the due diligence of all investments up to you, the crowd. We do basic background checks and comply with the law but we’re just a platform that gives companies the ability to seek funding. You’re the ones who add the magic.


Can I pledge if I am outside New Zealand?

Yes, but you’ll need to upload a copy of your passport and proof of address when you register to invest. You will also need to confirm you are legally allowed to invest in your home country, and we require you to confirm you are a wholesale investor.


What is your complaints procedure?

If you’ve got a problem, email us on help@pledgeme.co.nz.


About lenders 4d03e808fef1f9713afd13394ccc1838bc71c64b8d92785763221af1c18c0060

Register to lend

Registration means you’re registered as a lender. You acknowledge lending to small businesses and organisations is risky, and you’ve provided legit details about yourself.

You only need to do this once if you want to pledge to lend - and it’s not required for rewards-based projects. It is a separate registration from registering to invest.

What does it cost?

You’ll be charged 5.5% of the total captured, if your lending campaign meets its goal by the deadline. Pledgers have two ways to pay:

  • By Direct Deposit into our bank account if the campaign is successful, or;
  • By Credit Card (if chosen, pledgers will be charged a 2.5% fee and a $0.25c transaction fee)

A credit card is needed to secure direct deposit pledges, but that will only be used if payment isn’t made within 10 working days of the campaign closing and the lender being verified (and three email reminders are sent). Lenders will pay 1% of principal repayments as well.


Campaign creators:

PledgeMe is here to help! We'll guide you through CrowdfundingU, our crash course in running a PledgeMe.Lend campaign. Throughout the programme we’ll give you feedback on your campaign, offer tips and advice and connect you to specialist support if you need it. Don't forget about the How to Lend guide either!


Here is some helpful information on what it means to be lender. If you need help or have any questions, we're here to help - send us an email or get in touch.




027 Pledge 1
027 753 3431


c/o Creative HQ
1/7 Dixon St
Wellington, New Zealand