Peer-to-peer investor P2P Global Investments is lending Harmoney up to $200 million to support its growth in the New Zealand market and its soon-to-be-launched Australian business.
P2P has also taken a 4.5 percent stake in Harmoney.
Other shareholders include Trade Me, with 15 percent, and Heartland Bank, with 10 percent, with founder Neil Roberts holding the greatest stake at just under 50 percent.
P2P has been an institutional investor on the Harmoney platform since the beginning of the year.
Harmoney chief financial officer Simon Ward said the investment would give it resources for its expansion.