MCL Capital Ltd

MCL Capital provides innovative finance solutions to help New Zealand businesses and public sector organisations invest in energy efficiency, infrastructure, technology and sustainability projects without significant upfront capital expenditure.

Through flexible leasing and sustainable finance structures, MCL enables organisations to deliver projects that improve environmental performance while supporting positive financial outcomes.

Green and Sustainable Leasing

MCL Capital provides flexible funding solutions to support energy efficiency, renewable energy and sustainability projects. Funding structures can be tailored to customer requirements and project outcomes. 

Funding options include Green and Sustainable Leases, Residual Risk Leasing and flexible lease structures that can be aligned to project savings or operational outcomes.

Areas of expertise

• Sustainable finance and leasing solutions for energy efficiency, renewable energy and sustainability projects.  
• Residual risk leasing for technology, fleet and infrastructure assets.  
• Outcome-based lease structures aligned with project savings or operational outcomes.  
• Government and public sector funding solutions.  
• ESG reporting and sustainable finance frameworks.

Project capability

Project size: $1,000,000 to $1,000,000,000 

Delivery approach: MCL works directly with customers and key stakeholders to structure funding solutions that enable environmental and sustainability projects. Funding models are supported by ESG reporting and tailored financial structures.

Project process

MCL works with customers early in the project lifecycle to understand project objectives, funding requirements and commercial outcomes. Financial modelling is used to support business cases and determine the most appropriate funding structure. 

For renewable generation and energy transition projects, customers are typically asked to provide project information, estimated capital and operating costs, and expected project outcomes.

Funding and ownership

Repayment and risk

Lease payments are fixed for the agreed term and can be structured to align with project savings or operational outcomes. MCL typically takes credit and asset risk, while project-related risks are allocated depending on the project structure and may involve specialist delivery partners. 

Ownership

During the agreement: Ownership may be business-owned, provider-owned or structured as a lease depending on customer requirements. 

At the end of the agreement: Lease structures may include ownership transfer, lease-to-own arrangements or residual value buy-out options. 

Upfront capital required: No. MCL can provide up to 100% project funding. 

Example Projects 

• Financing of energy efficiency upgrades including HVAC, lighting and building services.  
• Funding of renewable energy projects such as commercial solar installations.  
• Financing of industrial energy transition projects, including boiler conversions and infrastructure upgrades.  
• Residual risk leasing solutions for fleet, technology and infrastructure assets.

All information above reflects details supplied by MCL Capital Ltd  in its February 2026 EECA Service Provider Bio Form response to EECA.