Specialist Asset Finance for Mining, Aggregates & Heavy Machinery

When your business relies on mining equipment, quarry machinery, gold recovery systems, haul trucks or heavy processing plant, you need finance partners who truly understand your operation.

At Finance New Zealand, we specialise in mining finance, quarry and aggregates equipment funding, and asset-backed lending solutions — and we do something many lenders won’t:

We come onsite. We walk the ground. We learn your operation — firsthand.

This real-world understanding helps us structure commercial asset finance that aligns with production cycles, machinery utilisation, and long-term capital plans.

Recent Funding Examples

Finance New Zealand recently facilitated structured funding for a Finlay TwisterTrak VS350E Impact Crusher for Dickson’s Transport & Quarries Ltd, a long-standing client of our Northland adviser, Andrew Partington. This high-duty crushing plant plays a critical role in aggregates production, and the tailored finance structure enabled the business to continue scaling capacity while upgrading to modern machinery.

Our Nelson adviser, Simon Harding recently partnered with a long-standing gold mining operator on the West Coast, securing funding for multiple high-value equipment assets — including two 2025 Komatsu HD785-7 Dump Trucks — as part of a fleet renewal and production expansion programme. This support ensures the business can continue operating efficiently at scale, with plant and equipment finance aligned to operational output and production cycles.

These transactions reinforce the value of specialist mining and aggregates finance capability — and the importance of having a finance partner who understands site conditions, equipment demands, and productivity requirements.

Why On-Site Expertise Matters in Mining & Aggregates

Mining and heavy extraction environments are complex. Standard lending frameworks don’t always apply — particularly where machinery operates in rugged terrain, with variable hours, high wear and demanding performance expectations.

By visiting sites and understanding each operation, we provide structured equipment finance aligned to real-world extraction and processing conditions, not theoretical models.

We understand:

• High-wear operating environments
• Machine refurbishment cycles and rebuild planning
• Production-based and seasonal cashflows
• Haulage loads and terrain impact on equipment
• Secondary market values for specialist plant & gear
• Utilisation modelling and output-linked investment cycles

When lenders see this depth of knowledge, they take confidence in the business — and the funding proposal.

Challenges We Solve for Mining & Aggregates Operators

• Understanding the values of specialist mining machinery and high-hour assets
• Financing solutions for equipment operating in remote or rugged areas
• Asset lifecycle planning and rebuild finance
• Production-linked repayment structures
• Bridging lender knowledge gaps in high-capex industries

We structure commercial equipment lending that matches how your business operates — not how a generic lending model assumes it operates.

Supporting the NZ Mining & Aggregates Sector

Our adviser Simon Harding recently attended the West Coast mining and extractives industry forum, connecting with operators, suppliers, and industry leaders across New Zealand’s resource sector.

His takeaway:

“The mining and quarrying sector in New Zealand is evolving and growing — and specialist finance support is essential to unlock project potential and productivity.”

Our role is to deliver specialist asset finance advice, deep industry knowledge, and funding structures designed for extraction and construction businesses — supporting clients with finance solutions for everything from mobile plant to fixed processing equipment.

How We Work

• On-site operational review
• Fleet and equipment assessment
• Tailored funding structure design
• Asset-backed lending and structured finance solutions
• Presentation and advocacy to lenders
• Ongoing relationship support

You gain more than finance — you gain a partner with industry insight and equipment knowledge.

Talk to Us — On Your Ground

Whether upgrading plant, expanding fleet capability, or financing processing machinery, we structure mining equipment finance, quarry finance, and aggregates plant funding that supports growth and keeps production moving.