Business Asset Purchase Loans

Business Asset Loans for any need

Equipment and Machinery Financing

Equipment and Machinery Financing

Finance your equipment purchase and enhance business growth.

Work Vehicles

Work Vehicles

Get a new or upgraded work vehicle to help your staff and business run more efficiently.

Expansion & Upsizing

Expansion & Upsizing

Get funds to open a new branch, invest in a new product offering or expand your operations.

What people say about us

What would it cost?

Understanding the exact cost of a personal loan is crucial. Use our easy-to-use calculator that provides you with an accurate estimate, taking into account all fees typically involved. We believe in transparency, so you can make informed decisions about your finances.

How much do you want to borrow?


24 Months

13.95% (annually)

Your repayment estimate

Weekly Fortnightly
Amount Borrowed $3,000
Establishment Fee $195
PPSR Fee $8.05
Amount Borrowed $3,203.05
Interest $486.04
9$ Monthly Fee $216
Total $3,905.09
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*This is an example of a common loan request and gives you an indication of what the monthly loan repayments will be. Your establishment fee may be different depending on the security used, complexity and the time taken to process your application. You may also optionally take payment protection insurance which would increase your total cost.

Our rates and fees

Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same. So if it is a short term Bridging loan, Debt consolidation, Personal Loan, Home renovations, Car Loan, Holiday, Funeral or Business loan we have the loan for you.

Establishment Fee Range

$165.00 – $550.00

Interest Rate Range

11.95% - 22.95%

Loan limits

$2000 - $100,000

Loan terms

1 Month - 7 Years

Other information you need to know

  • All loans need to be secured.
  • There is no early repayment fee.
  • Your rate is fixed for the term of the loan.
  • You can pay Weekly, Fortnightly or Monthly.
  • Need to change your payment date just give us a call.
  • Statements are sent every 6 months.
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For further information please, see our rates and fees.

What are the risks?

One of the main risks for businesses these days is getting the wrong type of loan for the business. It is important to ensure the loan you take does not put your business under any undue financial strain.

Some things to think about are:

  • What am I getting the loan for and how will I be repaying the loan
  • If I take it over the short term how will that impact my business cash flow
  • What extra fees will be charged if I take it over a long term but settle early

For more information on things, you need to consider have a look at this website by the Ministry of Business, Innovation and employment

For further information about businesses, you can go directly to their website here.

How to decide what term?

Short Term loanLong term Loan
Purchase stock and materialsVehicle or Machinery purchase
Cover Wages or contractor expensesUpgrade IT or Phone System
Invoice financingFund an advertising campaign or promotion


Depending on the finance company and the conditions of the loan it may be ok for you to take a loan over a long term for a short-term reason but you should settle the loan early when the funds become available.

Short-term loans are usually taken as you need funds until a large sale is finalised or a job you have been working on is completed.

Business Loans FAQ

If you are over the age of 18 (up to the age of 21 you may require a guarantor), a permanent resident of New Zealand, earn a regular income, and can demonstrate the ability to repay the loan, you may qualify for a personal loan.

We offer loans from $5,000 to $100,000 on a business loan in New Zealand. The amount we lend does depend on the security offered for the loan. The more security offered the better chance we will be able to lend the amount you require. We will also need to check your affordability and credit profile.

Approval time depends on some variables:

  • How much information you provide, the more information you provide the quicker we will be able to give you an answer.
  • Larger loans tend to take a little extra time
  • Loans with property involved can also take a little longer to get approved

In saying that we do endeavour to give a same day answer on all applications received.

Yes, you can make extra repayments; or you can increase your minimum repayment to help pay your loan off earlier. We do charge a small early settlement fee of $75.