About Harmoney
Harmoney is a publicly listed company based in Auckland (New Zealand) founded in 2013 by Neil Roberts. Personal loans are offered via New Zealands online P2P platform. Harmoney has raised $56.41 million across 8 funding rounds from investors including Trade Me, NZX and Heartland Bank. Its website harmoney.co.nz draws about 49 thousand monthly visits. Harmoney offers products and services including Personal Loans, Debt Consolidation Loans, Home Improvement Loans, Car Loans, and Education Loans. Its focus areas include FinTech, Alternative Lending, Online Lenders and Consumer Loans. Its legal entity is Harmoney Services Limited. Its competitors include Superloans, Nexx and The Lending Room.
Company details
Harmoney is New Zealand-based P2P lending platform for personal loans. Borrowers can avail loans from 1,000 to 70,000 for 3 and 5 year periods. Interest rates are determined by a scorecard and range from 6.99 p.a. to 29.99 p.a. Every loan is processed by the platform before upload to ensure the credit-worthiness of the borrower. The minimum investible amount by a lender is 25. Claims that the average lender on the platform receives 13 p.a. realized return. Charges an up-front, one-off platform fee to borrowers of 500. Lenders are charged a service fee of 1.25 of the principal and interest payments collected on each note.
- Headquarters Auckland, New Zealand
- Founders Neil Roberts
- Stage Public
- SectorsFinancial Services
- Email••••••••
- Website harmoney.co.nz
- Social LinkedIn X Facebook
- Legal Name Harmoney Corp Limited
- Annual Revenue$99.84 M (USD)9.97as on Jun 30, 2026
- Net Profit$7.05 M (USD)85.57as on Jun 30, 2026
- EBITDA$80.52 M (USD)10.24as on Jun 30, 2026
- Total Equity Funding$56.41M (USD)
in 8 rounds
- Latest Funding Round$13.4M (USD), Debt – Conventional
Jan 2020
- InvestorsTrade Me
& 5 more
Products & Services of Harmoney
Harmoney offers a comprehensive portfolio of products and services, including Personal Loans, Debt Consolidation Loans, Home Improvement Loans, Car Loans, and Education Loans.
Loans for various personal needs like debt consolidation
Helps combine debts into one repayment plan
Funding for home renovation and upgrades
Loans for purchasing new or used vehicles
Support for education-related expenses
Funding Insights of Harmoney
Harmoney has successfully raised a total of $56.41M across 8 strategic funding rounds. The most recent funding activity was a Debt – Conventional round of $13.4 million completed in January 2020. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $56.41M
- Total Rounds 8
- Last Round Debt – Conventional — $13.4M
- Investors Count 6
All 8 funding rounds of Harmoney with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Jan 2020 | $13.4M | Debt – Conventional | – | – | – |
| Oct 2019 | $13.74M | Debt – Conventional | – | – | – |
| Oct 2019 | $15.74M | Series C | – | Kirwood Capital | – |
| Nov 2016 | $670,000 | Series B | – | Trade Me | – |
| Feb 2016 | $30M | Series B | – | Stone Ridge Ventures, P2P Global Investments | – |
| Sep 2015 | $125.4M | Debt – Conventional | – | – | |
| Jan 2015 | $10M | Series A | – | Trade Me, Heartland | – |
| Sep 2014 | Seed | – | Heartland | – |
6 investors in total: 6 institutional.
Investors in Harmoney
Harmoney has secured backing from 6 investors, including institutional and venture fund investors. Prominent investors backing the company include Trade Me, NZX and Heartland Bank.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Tech and Life Sciences focused VC firm investing in the US and Australia | stoneridgeventures.com | Perth, Australia | ||
| kirwoodcapital.com | ||||
Used multi-category products are auctioned online through this platform. | 1999 | trademe.co.nz | Wellington, New Zealand | |
Manages diversified funds and portfolios as an investment firm. | 2014 | p2pgi.com | London, United Kingdom | |
Commercial banking services are provided by Heartland in New Zealand. | 1875 | heartland.co.nz | Auckland, New Zealand | |
Stock exchange | 2002 | nzx.com | Wellington, New Zealand |
Investor details for Harmoney
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
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People of Harmoney
28 people are tracked at Harmoney (11 in leadership, 1 in board & advisors, 16 in team).
| Name | Role | Group |
|---|---|---|
Neil Roberts | Founder | Leadership |
Brad Hagstrom | COO | Leadership |
Simon Ward | Chief Financial Officer | Leadership |
David Stevens | CEO | Leadership |
Glen Mackellaig | Chief Marketing Officer | Leadership |
Amanda Donaldson | Head of People & Culture | Leadership |
Matthew Owens | Head Of Collections Australia | Leadership |
Sarah Codling | Head Of Delivery | Leadership |
Dan York | Chief Product Officer | Leadership |
John Quirk | Director | Leadership |
Andrew Bates | Chief Technology Officer | Leadership |
Paul Lahiff | Chairman | Board & advisors |
Kriti Nath | Financial Controller, Reporting And Compliance | Team |
Alex Sethi | Credit Officer | Team |
Mike Travis | General Counsel | Team |
Shavneel Deo | Cloud Operations Team Lead | Team |
Mark Lapsley | Performance Media Manager | Team |
Krish Singh | Senior Delivery Lead | Product Owner | Team |
Theresa Wang | Senior Finance Manager | Team |
Franck Poingt | Software Engineer | Team |
8 more people are available in the full profile.
Complete people profiles for Harmoney
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
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IPO & Listings of Harmoney
Harmoney is a publicly listed company on the ASX with ticker symbol HMY in Australia, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- IPO date19 Nov 2020
- Listed onASX: HMY
- Listed entityHARMONEY CORP LIMITED
- Exchange sectorFinance
- ISINNZHMYE0001S5
- Share price0.65 AUD (-4.41% on the day) · 2026-10-14
- Market capitalisation70,044,162.00 AUD
- Price to earnings6.6
- EPS (diluted, trailing year)0.10 AUD
- Volume (last session)103,930
Financials of Harmoney
| Year | Revenue | Net income | EBITDA |
|---|---|---|---|
| 2026 | 145.0M AUD | 10.2M AUD | 116.9M AUD |
| 2025 | 131.8M AUD | 5.5M AUD | 106.0M AUD |
| 2024 | 121.8M AUD | -13.2M AUD | 95.5M AUD |
| 2023 | 106.6M AUD | -7.6M AUD | 79.0M AUD |
| 2022 | 72.4M AUD | -18.9M AUD | 25.9M AUD |
Detailed financial statements for Harmoney
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
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Timeline of Harmoney
4 dated milestones of Harmoney across 7 years, from founding to its latest funding, stage changes and deals.
- Founded Harmoney is founded.
- Funding First funding round.
- Funding Latest funding round, Debt – Conventional, of $13.4M.
- IPO Lists on the stock exchange (IPO).
Competitors of Harmoney
Harmoney has 3 listed competitors in our database. They include Superloans, Nexx and The Lending Room.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| superloans.co.nz | 2002 | Wellington, New Zealand | Offers personal, pawn, and express loans with quick approvals and funding. | |||
| nexx.co.nz | 2007 | Auckland, New Zealand | Serves as a peer-to-peer lending marketplace connecting users. | |||
| thelendingroom.co.nz | 2016 | Auckland, New Zealand | 3 | Provides loans for personal, debt consolidation, vehicles, and homes. |
Detailed competitors of Harmoney
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Web traffic of Harmoney
The website of Harmoney (harmoney.co.nz) receives about 49.2K visits a month.
- Monthly visits49.2K
▲ 23% vs previous month
Websites whose visitors overlap most with Harmoney. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
loanspot.co.nz | loanspot.co.nz | 100% | #12,627,807 | – | |
gemfinance.co.nz | gemfinance.co.nz | 92% | #257,081 | – | |
| mtf.co.nz | 74% | 49.7K | #544,674 | View details | |
| asb.co.nz | 65% | 3.9M | #11,127 | View details | |
| piefunds.co.nz | 57% | 65.4K | #734,587 | View details | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 19 similar websites and full traffic analytics for Harmoney
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- 19 similar websites
- Audience overlap
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Related news about Harmoney
Complete news archive for Harmoney
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Frequently Asked Questions about Harmoney
Harmoney was founded in 2013 and raised its 1st funding round 1 year after it was founded.
Harmoney is headquartered in Auckland, New Zealand.
Harmoney is a funded company, having raised a total of $56.41M across 8 funding rounds to date.
Annual revenue of Harmoney is $99.84M as on Jun 30, 2026.
Harmoney is New Zealand-based P2P lending platform for personal loans. Borrowers can avail loans from 1,000 to 70,000 for 3 and 5 year periods. Interest rates are determined by a scorecard and range from 6.99 p.a. to 29.99 p.a. Every loan is processed by the platform before upload to ensure the credit-worthiness of the borrower. The minimum investible amount by a lender is 25. Claims that the average lender on the platform receives 13 p.a. realized return. Charges an up-front, one-off platform fee to borrowers of 500. Lenders are charged a service fee of 1.25 of the principal and interest payments collected on each note.
Harmoney's top competitors include Superloans, Nexx and The Lending Room.
Harmoney offers Personal Loans, Debt Consolidation Loans, Home Improvement Loans, Car Loans, and Education Loans.
Yes, Harmoney is publicly traded on ASX under the ticker symbol HMY.
Harmoney has 6 investors. Key investors include Trade Me, NZX, Heartland Bank, Kirwood Capital, and Stone Ridge Ventures.
Harmoney operates through Harmoney Services Limited.