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.

Apply in minutes, get a decision in seconds

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

Here's how it works


Complete the easy online application anytime, anywhere.


In just a few seconds we'll get back to you with a decision.


If approved, the money could be in your account in a matter of days.

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?


businesses funded, and counting

$ 25 million

made available to small businesses

25 years

experience managing Kiwis' money

Apply in minutes, get a decision in seconds

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

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.
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.
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.
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.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $100,000.
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 3 minutes to complete.
Send an email with your account name and the period you would like the loan statement for to [email protected]

Prefer to talk directly to one of our business specialists?

Chat with Heartland

Chat online

with one of our team

Lending criteria, terms, conditions and fees apply.