Asset Finance

Finance without using your private home to secure business debt

With Heartland Asset Finance, you can:

• purchase or lease plant, equipment or motor vehicles.
• reduce loan commitments by refinance or consolidation.
• borrow money against existing assets.

Heartland is a specialist asset funder particularly in the construction, contracting, agriculture, forestry and transport industries. Whatever the size of your business, we can tailor a loan to suit. Our flexible terms include fixed or floating interest rates and can take into account seasonal income variations. We have Relationship Managers located throughout New Zealand. Our local knowledge and long history of asset financing means you can be confident we will understand what you need.

Heartland’s Asset Finance products include:

• Term loans – tailored to meet the useful life of the assets securing the loan.
• Revolving Credit – convenient and flexible evergreen loan facilities for businesses that regularly purchase plant, equipment or motor vehicles.
  • Onemax - single facility with a pre-approved limit and one easy payment per month.
  • Multimax - single facility with a pre-approved limit and multiple tranches easily identifiable to groups of assets.
• Finance lease – on balance sheet funding for the purchase of additional assets.
• Operating lease – off balance sheet funding which provides certain tax advantages.

Contact us

For a personal conversation or visit from one of our Relationship Managers, click here. Alternatively, fill in our online contact form and we’ll get in touch, or you can call us on 0508 432 785.

Questions?

Check out our FAQ's. If your question isn’t there, click here to email it to us or call us on 0508 432 785.