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ASSET FINANCE

Looking to purchase a business asset?

Having the right equipment is crucial to driving your business forward. Whether you’re looking to upgrade heavy machinery, or acquire new technology, our team is here to support you with flexible and affordable financing options.

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Why choose to finance with us?

Tailored solutions We offer customised financing options based on your business’s unique requirements. From trucks to tractors, we’ll work with you to find the best fit for your business.

Affordable and flexible terms Flexibility to set loan repayments to suit your cashflow or seasonal requirements, plus the ability to choose from 12 - 60 month terms.

Local expertise you can trust As a proudly New Zealand-owned bank, we understand the challenges and opportunities in the local market. Our dedicated team is here to offer guidance and support to Kiwi businesses like yours.

Next repayment on 19 Aug 2025
Take care of your business loan anytime, anywhere.
Manage your loan repayments, generate statements and keep up with transactions on the go with ease.
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How to apply?

1

Speak with our team Contact our asset finance experts to discuss your needs and explore options.

2

Complete your application We’ll guide you through the application process and conduct the checks we need.

3

Get approved Once approved, we'll email you an offer letter, and the invoice for the asset will be paid.

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Questions? We have answers

Below are answers to some frequently asked questions about Business loans.

All businesses go through ups and downs, and we want to support you through both. If you wish to make changes to your repayments, get in touch with your Relationship Manager who will provide you with options.
A longer loan term means smaller monthly repayments, but the total interest will increase as you will pay interest for a longer period of time.
Yes, if you meet our criteria to refinance.
Interest rates start from 8.70% p.a.
The minimum loan amount is $10,000.
Yes, you do not need to be an existing Heartland customer to apply for a business loan.
Once all documentation is finalised, our team will work with you to organise paying your invoices on an agreed date.

Ready to grow your business?

Our team is here to help you every step of the way. Reach out to us today to learn more about our asset finance options and how we can support your business growth.

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