Skelessi I have money invested in five finance companies in their first ranking debentures and the odd capital note. To the tune of about $60000.00 Their prospectous for borrowings should be available by making a phone call asking about lending them money they usually have an add in NZ Herald. Tell them you want the prospectous not the investment statement which is what they send most people. But you have a full legal right to ask for the full prospectous. This might give you a better insight into the company. As I said about four years ago it made me run a mile. And it is not easy to obtain a current one from Australia.