Save time. Running your own business is demanding, and searching for the right financial product can be time-consuming and complex. As a partner in finance, we will advocate on your behalf, working with the lenders that best suit your business. A broker handles all the legwork, from identifying the most suitable options to negotiating terms. This saves you valuable time and effort navigating multiple banks. Since our brokers / advisers work in finance every day, they know first-hand which lenders will provide the most favourable outcomes, their rates, and the best ongoing service for your business and because we get to know your business well, it's easier and faster to make future finance requests.

Improve cash flow management. Our unique position of working with a wide range of lenders combined with our expertise means we can evaluate your overall business finance solution to ensure all your lending is structured effectively. This includes Structuring debt over the economic/working life of each asset, sourcing competitive interest rates, repayments aligned to cash flow and providing a combination of revolving credit and fixed or floating term loans that provide cash flow flexibility. Many banks offer solutions to specific transactions without assessing your overall picture to ensure that your lending matches your business goals.

Increase exposure to multiple lenders. When you deal with one bank for all your finance needs, they will often take security against your personal property and evaluate future financial request on all your lending either its business related or not. This can be restrictive when you require additional working capital or finance for new equipment. Having different lenders can also provide valuable credibility to your business with other lenders – it can help other lenders view your business as a good risk. Also, having built a positive lending history with a lender by having small loan facilities increase the likelihood of larger loans being approved in the future. We also find that the credit criteria of each lender varies widely when it comes to different items of machinery. Finance New Zealand has helped place many transactions where the best solution for the client has been to involve multiple lenders – each lending against the pool of assets they are most comfortable with.

Access fast and competitive finance for assets under $500,000 We can provide a finance offer for new and used assets under $500,000 via a selection of our specialist equipment finance providers. Often we can do this without business financials if you meet other criteria.

Have confidence in your interest rate. Because we can create competitive tension between lenders, you have a better chance of receiving a more competitive rate when you deal with a broker / adviser. Using our expertise we can position your business to benefit from cost savings by restructuring debt and aligning payments to the lifecycle of your assets. Because we work in finance every day, we are up to date with the latest market intel and economic commentary which means we can provide you with the latest information to make informative decisions around your interest rates. 

Get Impartial Advice. Brokers are not tied to any particular lender, ensuring their advice is unbiased. We work in your best interests to find the most suitable financial solutions. We will never pigeonhole you into a one-size fits all solution which may find when dealing with a bank that can only offer a small ranges of products and solutions.

Products & Technology. Our panel of lenders includes many of the traditional banks and lenders. These lenders still offer a wide range of lending products, competitive funding, and hold the largest market share. However, we are seeing a gap develop between the larger traditional commercial lenders, and newer non-bank participants on our panel. Being smaller, the newer players tend to be nimbler than the traditional lenders. They have often better technology and less bureaucratic processes. Their lower cost base means they can offer competitive pricing, done quicker and with less hassle than traditional lenders. They are also filling product gaps, offering innovative lending products that fit client needs not well catered for by traditional lenders.

To find out more about what a Finance New Zealand adviser can offer your business, contact us today.