Asset and Equipment Finance for New Zealand Businesses
Talk to our financial advisers about structuring the right asset finance for your business.
What Is Asset Finance?
Asset finance allows businesses to fund vehicles, equipment, plant, and machinery without paying upfront or securing the loan against property. The asset being purchased typically serves as security, which means businesses can acquire what they need to operate and grow while keeping working capital available for day-to-day costs. It's used across a wide range of industries and asset types - from commercial vehicles and construction equipment to agricultural machinery and IT infrastructure. The structure of the finance matters as much as the rate. Before approaching any lender, there are three things worth understanding:
What the asset is and how it depreciates
Whether the structure is a loan, lease, or hire purchase
How the repayments fit your cashflow cycle
How Can Asset Finance Be Structured?
Different assets and cashflow needs require different structures. We can help your business across the following:
Hire Purchase
The business uses the asset immediately and takes full ownership once all payments are made. Repayments are fixed, which makes budgeting predictable. Commonly used for vehicles, trucks, and commercial equipment where long-term ownership makes sense.
Finance Lease
The lender owns the asset and leases it to the business for an agreed term, with a residual value at the end. Lease payments are fully tax deductible. Suited to businesses that want to use an asset without carrying it on the balance sheet as a liability.
Operating Lease
A shorter-term arrangement where the asset is returned at the end of the lease period. Common for equipment with a high rate of obsolescence, such as IT hardware or vehicles that need regular upgrading.
Sale and Leaseback
Existing owned assets are sold to a lender and leased back to the business, releasing capital tied up in equipment without disrupting operations. Useful when a business needs liquidity but relies on the asset to trade.
Frequently Asked Questions
Further Reading on Asset Finance
Related articles to help you understand your financing options.
The Right Asset Finance Structure Saves Money Over Time.
Most businesses accept the first finance offer they receive. Getting independent advice on structure, term, and lender before signing means the repayments work with your cashflow. We assess what's right for your business and manage the process through to settlement.