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Won a big contract but payment comes later? Discover how contract-based working capital helps NZ businesses fund delivery when revenue arrives at completion or irregularly.

Contract-Based Working Capital: Funding for Lumpy Cash Flow

You just won the contract. It's significant—maybe the biggest job your business has ever landed. Six figures, possibly...

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Employment gap mortgage solutions in NZ. Luminate provides bridge loans during job transitions, redundancy, relocations & career changes when banks require continuous employment.

Employment Transition Loans: Mortgage Solutions Between Jobs in New Zealand

You've accepted your dream job. The contract is signed, the start date is confirmed, and everything is falling into...

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NZ portfolio refinancing solutions. Luminate helps multi-property owners consolidate loans, release equity, and refinance when banks decline complex property portfolios.

Portfolio Refinancing: Solutions for Multi-Property Owners in New Zealand

You own four investment properties across Auckland and Hamilton. Your portfolio is worth $3.2 million with combined...

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Non-bank refinancing solutions in NZ when banks won't extend your mortgage. Luminate provides refinancing options for credit issues, self-employment, and complex situations.

Non-Bank Refinancing: When Your Lender Won't Extend Your Mortgage

Your fixed-rate mortgage expires in three months. You've banked with the same lender for eight years, never missed a...

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Retrospective consent funding in NZ for code compliance issues. Luminate provides finance for building consent rectification when banks decline properties with compliance problems.

Retrospective Consent Funding: Financing Code Compliance Solutions in New Zealand

You're buying your dream home. The building inspection reveals what the vendor didn't disclose: the sleepout was built...

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Emergency settlement funding in NZ for urgent property purchase deadlines. Luminate provides fast settlement finance when banks can't meet tight timeframes or financing falls through.

Emergency Settlement Funding: Meeting Urgent Property Deadlines in New Zealand

It's Wednesday afternoon. Your property settlement is scheduled for Friday at 2pm—just 48 hours away. Your bank calls: ...

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Need to buy your next home before selling your current one? Learn how residential bridge loans work in NZ, costs, eligibility & how to avoid losing your dream property.

Residential Bridge Loans: When You Need to Buy Before You Sell

You've found it. The perfect property. Right location, right size, right price. Everything you've been searching for.

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Discover 11 alternative lending solutions when banks can't help. From bridge loans to working capital, find funding options for property, business & complex scenarios in NZ.

When Banks Say No: Your Complete Guide to Alternative Lending Solutions in New Zealand

Traditional banks serve millions of Kiwis well. But they're built for standard scenarios—employees with steady pay...

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For more than two decades, Trent Bradley and his team have been behind the scenes of some of New Zealand’s most complex property deals, structuring loans, solving funding challenges, and building long-term financial plans that actually work.

Results Over Excuses

As Director of Luminate Financial Group, he’s helped clients secure 1.5 billion in lending by doing what others won’t:...

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