Asset Finance

Finance to help replace or upgrade your assets.

Whether you’re looking to purchase new or used machinery, specialised equipment or vehicles, we could help you fund it. Secured or unsecured, our flexible business loans may provide the asset finance you need.

Start your application

I would like to borrow:

I need the loan:

Please pick an option

Apply Now

Here's how it works

Complete the easy online application anytime, anywhere.

We'll get back to you with a decision in seconds.

If approved, the money could be in your account in a matter of days. That's fast!

Get Started

What we offer

  • Borrow up to $250,000 against new or used goods

    100% finance available. We’ll work to suit your cash flow with seasonal payment structures and flexible terms of up to 5 years. We can even fund GST if needed.

  • No need to change your bank

    And no need to mortgage your home. Our fast and flexible finance is designed to work alongside your everyday banking to give you the freedom to manage your finances to suit your needs.

  • Get the business assets you need

    If approved, use your asset finance facility to purchase new vehicles and equipment or replace existing assets. Talk to us about what you need – we’ll do our best to help.

What our customers say

"The online application was easy ... It's great finding a bank that walks the talk and is there to help entrepreneurs like us."

Richard Liew

Founder of NZ Entrepreneur,
Open For Business Customer


Why choose Heartland?

100,000+

customers we have helped on their journey


100%

for New Zealand


140+

years' experience managing Kiwi's money


Start your application

I would like to borrow:

My yearly business turnover is:

I need the loan:

Please pick an option

Apply Now

Questions? We have answers

The online application will take around 3 minutes.

In general we will request business financials (if available) and 3 months of business bank statements.

If you are purchasing an existing business we will ask for the financials of the business being bought, a business plan, cash flow projections and 3 months of personal bank statements.

If you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements. In some instances we may also ask if you have any freehold vehicles or tangible assets to use as security against the loan.

The minimum business loan application is $5,000. There is no maximum, but any loan above $75,000 will require security, such as freehold vehicles or tangible assets. Please note we do not consider 2nd mortgage or caveats.
Of course! Though it’s worth noting that if you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements. In some instances we may also ask if you have any freehold vehicles or tangible assets to use as security against the loan.
Payments will be taken by direct debit from your nominated account on a monthly basis until the loan amount has been repaid in full. The first repayment will usually be scheduled to be one month after the loan has been paid to you.
Once the loan is approved, you will need to provide identification, and any other details necessary for documents to be prepared, this could include proof of ownership of security items. Documents will be sent to you with clear instructions on what is required for pay-out. Once signed documents have been returned to us, and we have received any other information or documentation we require, the loan funds will be paid to your nominated bank account.

Prefer to talk directly to one of our business specialists?