Heavy Machinery Loans

A flexible way to finance your heavy machinery

What do you need to get your business moving? Whether its diggers, excavators, loaders, bulldozers, rollers, bobcats, company vehicles, tractors, agricultural implements, cranes or forklifts, we can help.

Get started with our 2 minute application

I would like to borrow:

I need the loan:

Please pick an option

Here's how it works

1

Complete the easy online application anytime, anywhere.

2

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

3

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

Get Started

What we offer

  • We’ll work with your cash flow and budget

    We know how business works and can help you with seasonal payment structures that suit the ups and downs of your cash flow. We’ll work with your budget too – take your pick of our 1 to 5 years payment terms.

  • A decision in seconds

    Applying online is easy and we’ll get back to you quickly to let you know if your loan’s approved. We can then have the money in your account in a matter of days, so you can get on with your plans quick smart.

  • No need to change your bank

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

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?

3,100

businesses funded, and counting


$ 149 million

lent to small businesses


143 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

>

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.
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.
Unsecured loans have a max term of 60 months. However this is dependent on meeting our lending criteria. Secured loans have a max term of 5 years but can go up to 7 years in certain circumstances.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
Every start-up will have unique requirements which means we need to take into account the different circumstances of every application. Please give us a call to discuss your loan as you won’t be able to get an automated decision.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $75,000.
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.
The online application takes around 2 minutes, and you'll receive a decision in a few seconds.

Prefer to talk directly to one of our business specialists?

Chat with Heartland

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