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?


customers we have helped on their journey


for New Zealand


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

Our secured rates start from 8% (p.a), however this rate can vary depending on a range of factors. Once you have completed the online application our lending specialists will discuss interest rates and repayments with you.
We don’t take residential property as security; we will look to use business assets instead such as vehicles or machinery as security.

Prefer to talk directly to one of our business specialists?