What Is Asset or Equipment Finance?

Asset finance — sometimes called equipment finance — allows businesses to acquire essential equipment or vehicles and pay for them over time, rather than in one upfront cost.

It’s used widely across industries such as transport, civil construction, building, healthcare, agriculture, manufacturing, and forestry — anywhere specialist equipment is critical to operations.

At Finance New Zealand, we act as trusted asset finance providers and brokers, helping businesses secure the right structure through our network of more than 40 banks and specialist lenders.

Types of Asset and Equipment Finance

As a nationwide asset and equipment finance provider, we tailor funding to meet the needs of each industry — from civil construction to healthcare.

We offer a full range of asset and equipment finance solutions, including:

• Equipment finance – for machinery, technology, and processing assets
• Vehicle and fleet finance – for commercial trucks, utes, vans, and transport fleets
• Plant and machinery finance – for fixed or mobile equipment used in manufacturing, construction, and extraction industries
• Building and civil construction finance – for excavators, cranes, earthmoving, and project equipment
• Healthcare and medical equipment finance – for clinics, dental practices, and healthcare providers investing in diagnostic, surgical, or patient-care technology
• Business asset finance – for assets that improve productivity or enable growth
• Operating leases and hire-purchase options – to suit different accounting and ownership preferences

Each structure offers distinct advantages — from tax benefits and ownership flexibility to easier budgeting and improved balance-sheet management.

Who Uses Asset and Equipment Finance

Asset finance providers in New Zealand support a wide range of sectors, including:

• Transport and logistics – trucks, trailers, and haulage equipment
• Civil construction and building – heavy plant, cranes, and project machinery
• Forestry and agriculture – harvesters, tractors, and specialist plant
• Manufacturing and processing – production, packaging, and assembly equipment
• Mining and quarry operations – mobile plant and crushing equipment
• Healthcare and medical – diagnostic, imaging, and clinical technology

Our team of asset finance brokers and providers works closely with New Zealand businesses across these sectors to ensure funding structures align with operational and seasonal cash-flow needs.

Why Work With a Specialist Asset and Equipment Finance Provider

Every business is different — which means your finance should be too.

As one of New Zealand’s leading asset and equipment finance providers and brokers, Finance New Zealand partners with more than 40 banks and specialist funders to arrange finance structured around your business — not the other way around.

Our experienced advisers understand the industries we serve — from transport and civil construction through to healthcare and professional services. We take the time to learn your goals, cashflow, and growth plans, delivering flexible, practical finance solutions that help businesses succeed through every cycle.

Our Track Record of Trust and Performance

Founded in 2014, Finance New Zealand has become one of the country’s most established and trusted asset and equipment finance providers.

Over that time, we’ve settled more than $4.1 billion in finance across thousands of client transactions nationwide.

Our reputation as a trusted asset finance provider and broker has been built through long-term relationships, reliable outcomes, and tailored finance solutions for Kiwi businesses across every sector.

Trusted by thousands of New Zealand businesses, we’re proud to have helped Kiwis fund growth, invest in opportunity, and navigate change through every stage of the business cycle.

How Finance New Zealand Can Help

Whether you’re upgrading machinery, replacing essential plant, or investing in advanced medical or construction equipment, our advisers can help you:

• Compare finance options across multiple lenders
• Structure repayments around cashflow
• Access competitive rates and terms
• Secure fast approvals with dedicated support

We make business, asset, and equipment finance simple, transparent, and aligned with your goals.

Talk to New Zealand’s Asset and Equipment Finance Experts

If you’re exploring asset or equipment finance with a trusted provider or broker, contact Finance New Zealand today.

Our nationwide network of advisers is ready to help you find the right asset finance provider and structure to keep your business moving.

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