Drive Your Business
Forward.
From company fleets to heavy equipment and machinery, we structure asset finance to protect your cash flow and scale your operations.
How we handle
asset finance.
Vehicle Fleets
Competitive rates for company cars, utes, vans, and heavy transport vehicles.
Business Equipment
Finance for yellow goods, manufacturing machinery, medical equipment and more.
Cash Flow Protection
Structure repayments to align with your business revenue cycles.
Tax Efficiency
Work with your accountant to choose between leasing, chattel mortgages, or HP.
Fast Turnaround
Get pre-approved quickly so you can purchase assets when the opportunity arises.
Unsecured Options
Options for unsecured business loans depending on trading history and financials.
How it works
step by step.
Free Discovery Call
We discuss your income, KiwiSaver balance, deposit savings, and home goals. Completely free, no obligation.
Lender Assessment
We run full eligibility checks across 20+ lenders and present you with the top 3 options including rates and structure.
Pre-Approval
We submit your application and coordinate with the lender. Most first home buyers receive pre-approval within 24 hours.
Find Your Home
Shop with confidence knowing exactly how much you can spend. We remain on call for questions throughout your property search.
Settlement & Keys
We coordinate with your solicitor to ensure settlement happens smoothly. Then you pick up the keys to your first home!
Strategic Asset and Equipment Finance in New Zealand
For businesses operating in construction, transport, agriculture, or manufacturing, maintaining a modern and efficient fleet of vehicles and heavy machinery is critical to operational success. However, acquiring capital-intensive equipment out of pocket can severely deplete a company's cash reserves, stifling growth and limiting operational agility. Asset finance provides a strategic solution, allowing businesses to acquire the necessary tools immediately while amortizing the cost over the useful life of the asset, thereby preserving working capital for core business activities.
Understanding Chattel Mortgages, Leases, and Hire Purchases
The realm of asset finance encompasses a variety of structuring options, each with distinct tax, accounting, and cash flow implications. A Chattel Mortgage (or Specific Security Agreement) involves the business owning the asset from day one, with the lender taking a security interest over it. This allows the business to claim depreciation and interest deductions. Conversely, an Operating Lease is akin to renting; the financier retains ownership, and the business claims the lease payments as a fully deductible operational expense. We analyze your company's balance sheet and tax position to recommend the most efficient financing structure, ensuring your debt strategy aligns with your overarching financial objectives.
Financing Heavy Machinery and Specialized Equipment
Securing finance for specialized, 'yellow goods' (like excavators or cranes) or bespoke manufacturing equipment requires financiers who understand the inherent residual value and operational lifespan of these assets. Mainstream banks often struggle to accurately assess the collateral value of highly specialized machinery, leading to conservative lending limits or outright declines. We leverage our network of specialist commercial asset financiers who possess deep industry expertise. This ensures we can secure competitive interest rates, favorable balloon payment structures, and flexible seasonal repayment schedules tailored to the cash flow cycles of your specific industry.
Common Questions
Ready to finance
your assets?
Book a free consultation with a Finch mortgage adviser today. No obligation, no cost, just honest advice.